F.N.B. Corporation Reports Q4 Credit Loss Provision of $18.9M
Reports Q4 provision for credit losses was $18.9M, a decrease of $5.1M from the prior quarter, with net charge-offs of $16.4M. Reports Q4 Tangible book value per common share $11.87, up $1.38, or 13.2%, compared to December 31, 2024, and 39c, or 3.4%, compared to September 30, 2025. "F.N.B. Corporation delivered an exceptional fourth quarter with operating earnings per diluted common share, non-GAAP, of 50c and a return on average tangible common equity, non-GAAP, of 16%. FNB's strong profitability and capital generation resulted in tangible book value per share of $11.87, a 13% increase from the year-ago quarter. Our company achieved multiple records for the FY25, including all-time revenue highs for seven of our fee-based businesses, total revenue of $1.8B operating net income available to common shareholders of $577M and operating earnings per diluted common share of $1.59," said F.N.B. Corporation Chairman, President and CEO, Vincent J. Delie, Jr. "Throughout 2025, we remained focused on positioning the balance sheet for continued future success including managing loan concentrations and improving the loan-to-deposit ratio to 89.7%. Our investments in technology, AI, and data analytics are driving automation, efficiency, and the flexibility to continue investing in revenue-generating businesses and an enhanced omnichannel customer experience, all while delivering strong positive operating leverage. Our financial results reflect disciplined execution of our strategy: diversifying revenue, allocating capital wisely, maintaining a resilient, well-underwritten loan portfolio, and strengthening our role as our clients' primary bank through continued eStore(R) and digital innovation."
