F.N.B. Corporation (FNB) Earnings Call Transcripts
F.N.B. Corporation's Latest Earnings Call - Q1 FY2026
F.N.B. Corporation reported a strong first quarter of 2026, with net income of $137 million and EPS of $0.38, marking a 19% increase over Q1 2025. Revenue grew by 9.4% year-over-year, driven by a 17% increase in pre-provision net revenue. The company maintained its guidance for full-year net interest income between $1.495 billion and $1.535 billion, despite removing expectations for Fed rate cuts. Management announced an 8% dividend increase and a $250 million share repurchase authorization, signaling confidence in capital strength.
Reported metrics
| Metric | Value |
|---|---|
| Net Income | $137 million (beat) |
| EPS | $0.38 (beat) |
| Revenue | $91 million (beat) |
| Net Interest Margin | 3.25% (inline) |
| Loan Growth | 3.9% annualized (positive) |
| Deposit Growth | $142 million (positive) |
Guidance from management
FNB maintained its full-year guidance for net interest income between $1.495 billion and $1.535 billion, despite removing expectations for Fed rate cuts. Loan and deposit growth are expected to be mid-single digits.
What management said
Yes, part of that, we've also baked in investing in treasury management, some of our offerings to make it easier for customers, wealth management, there's initiatives that are part of that as well. And then on top of that, just normal process improvement, I mean, leveraging AI and machine learning -- someone that we've had in place for many years, leveraging those tools to extract costs as we move forward, which wi...
Yes, some of this is transitory, though. This is not embedded in the run rate of the company. And there's quite a bit of contract expense or contractor expense built into that guide, the change that we're pro Yes.
What analysts pressed on
Analysts questioned the sustainability of C&I loan growth and the impact of strategic investments on expenses. There were also inquiries about the potential effects of Basel III proposals on capital management.
Main topics on the call
- Earnings and Revenue Growth — FNB reported net income of $137 million and EPS of $0.38, a 19% increase YoY. Revenue grew 9.4%, with pre-provision net revenue up 17%.
- Capital Management — FNB announced an 8% increase in its quarterly dividend and a $250 million share repurchase authorization, reflecting strong capital generation and a CET1 ratio of 11.4%.
- Loan and Deposit Growth — Loan growth was 3.9% annualized, driven by C&I loans, while deposits increased by $142 million. Management highlighted a strong pipeline for future growth.
- Net Interest Margin (NIM) — NIM was 3.25%, down 3 basis points sequentially, but management expects it to gradually increase, supported by asset growth and strategic deposit management.
Read the full F.N.B. Corporation transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.
About F.N.B. Corporation
F.N.B. Corporation (FNB) is a publicly listed company in the Banks industry, within the Financials sector. It trades on NYSE and is based in US. EarningsCalls.dev maintains a free, full-text archive of its earnings call transcripts — 27 calls on record spanning January 21, 2020 to July 17, 2026. Every transcript is split into speaker-by-speaker segments with headline metrics, free to read or available through our REST API.
Earnings Call History
EarningsCalls.dev has 27 F.N.B. Corporation earnings call transcripts on record, spanning January 21, 2020 to July 17, 2026. Based on this history, F.N.B. Corporation reports quarterly. The most recent call on file is dated July 17, 2026. The full list is below — each row opens the complete, free-to-read transcript.
- Ticker
- FNB
- Exchange
- NYSE
- Country
- US
- Sector
- Financials
- Industry
- Banks
- Calls on record
- 27
- First call
- January 21, 2020
- Most recent
- July 17, 2026
- Reporting cadence
- quarterly