📈 Price History

Ratio Health

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By Category

📊 Sector Averages

About

F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding FNB

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Manager	Shares	Value	% of Fund	Period
Jim Simons Renaissance Technologies LLC	3.64M	$60.9M	0.10%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management repeatedly used precise numbers and record labels ('record levels of net interest income, non-interest income, capital ratios'), and provided specific guidance ranges for NII, fee income, expenses, and provision. Phrases like 'strong financial performance', 'significant margin expansion', and 'optimistic for a pickup' convey conviction and data-backed optimism.

Q3 2025

Confident Specific

Management repeatedly used superlatives like 'record' EPS, revenue, capital levels, and 'peer-leading' efficiency ratio. They provided specific numbers for growth rates, beta, and guidance increases, and directly addressed credit quality with detailed metrics.

Q4 2025

Confident Specific

Management used words like 'record', 'strong', 'confident', 'optimistic', and provided specific figures (e.g., revenue $1.8B, EPS $1.59, NII guidance ranges). They repeatedly stated they are 'well-positioned' and expect 'meaningful positive operating leverage'.

Q1 2026 latest

Confident Specific

Management used concrete numbers throughout: net income $137M, EPS $0.38 (+19% YoY), PPNR +17%, ROATCE 13.2%, TBV +11%. They provided detailed guidance ranges for NII, fee income, and expenses. The tone was resolute about capital returns (dividend +8%, $250M buyback) and loan growth pipeline (near-record). However, they acknowledged uncertainty from tariffs and Middle East, and maintained credit overlays.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis strengthens after this call. Management demonstrated consistent execution: accelerating core C&I loan growth (avoiding NBFI), rising fee income from capital markets and wealth, and disciplined expense control. The dividend increase and buyback authorization signal confidence in capital generation and a shareholder-friendly pivot. However, deposit cost trends remain a key variable given the higher-for-longer rate environment. The lack of Fed cuts and potential Basel III implementation introduce uncertainty, but the bank's strong CET1 ratio (11.4%) and granular growth levers (CD repricing, commercial deposit pipeline) provide buffers. Next quarter, watch: (1) whether NIM can sustain the March exit rate, (2) C&I loan growth momentum given near-record pipelines, (3) any further color on Basel III impact, and (4) progress of technology investments on efficiency and customer acquisition.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED FNB Q1 net income $137M, EPS $0.38, NIM 3.25%, loan growth 3.9% annualized

Revenue & Profitability

Net income for Q1 2026 was $137 million, with EPS of $0.38, up 19% year-over-year. Total revenues increased 9.4% year-over-year, and pre-provision net revenue (PPNR) rose 17%. Net interest income grew nearly 11% from the prior year quarter; non-interest income was $91 million in Q1. Full-year net interest income is guided to $1.495-$1.535 billion.

Outlook

Management remains optimistic about C&I demand, citing near-record pipelines and strong activity in middle market, Carolinas, Cleveland, and Mid-Atlantic. They note uncertainty from tariffs and Middle East conflicts but have not experienced material adverse impacts to date. The bank expects mid-single-digit balance sheet growth for full year 2026.

Growth Drivers

Key growth drivers include core C&I lending (up 4.3% annualized linked quarter), consumer loans (indirect, HELOC, mortgage), and capital markets revenues (up 27.8% year-over-year). Wealth management and treasury management are also contributing. The bank is expanding geographically with de novo branches in D.C. Metro and other markets. Commercial deposit pipeline grew to ~$1.2 billion.

Balance Sheet & CapEx

The bank is investing in technology including AI-driven tools, the 360 customer view, and automation of the call center. Non-interest expense guidance for 2026 is at the higher end of the $1.0-$1.02 billion range due to strategic investments. These include launching 30 de novo branches over five years and upgrading treasury management and wealth management platforms. Some investment costs are transitory contractor expenses.

Margins

Net interest margin (NIM) was 3.25% in Q1, down 3 basis points sequentially but the March exit rate reached 3.30%. NIM is expected to increase gradually in subsequent quarters. The efficiency ratio improved to 56.1% from 58.5% a year ago, and positive operating leverage of 4.9% was generated. Expenses are managed prudently, though full-year NII guidance assumes no rate cuts.

Key Risks

Management flagged geopolitical and tariff uncertainty as potential risks, though the portfolio has remained resilient through past disruptions. The Basel III proposal, if implemented as proposed, would have a meaningful capital impact. Deposit pricing pressures and competitive loan spreads are also concerns, especially if industry loan growth accelerates. Net charge-offs remained low at 18 basis points in Q1.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-17

Second quarter results featured 17% EPS growth, record revenue, and strong loan and deposit growth, with robust asset quality and efficiency improvements. Guidance reflects mid-single digit balance sheet growth, stable margins, and continued investment in technology and fee income expansion.

Q1 2026 Q1 2026 2026-04-17

Q1 2026 saw strong net income, EPS, and revenue growth, with robust C&I loan pipelines and stable asset quality. Guidance remains positive for loan, deposit, and fee growth, supported by strategic tech investments and disciplined capital management.

Q4 2025 Q4 2025 2026-01-21

Record 2025 results included $1.8B revenue, 14% EPS growth, and strong capital metrics. 2026 guidance calls for mid-single-digit loan and deposit growth, stable margins, and efficiency ratio improvement to the low 50s, driven by technology and disciplined capital deployment.

Q3 2025 Q3 2025 2025-10-17

Third quarter results set records for EPS, revenue, and capital ratios, with strong fee-based income and disciplined expense management driving improved efficiency. Asset quality remained robust, and guidance for 2025 was raised for net interest and non-interest income.

Q2 2025 Q2 2025 2025-07-18

Q2 delivered record revenue and net income, with strong loan and deposit growth, margin expansion, and improved asset quality. Guidance for 2025 was raised, reflecting optimism in commercial lending and continued digital innovation.

📊 Analysis Methodology

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Investment Risk:
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