FNB Q4 EPS $0.30, full-year EPS $1.23; record revenue $1.2B; tangible book value up 9% YoY

FNB CORP/PA/

2021-FY EPS reported $1.23

Q4 net income $96.5M ($0.30/sh) vs $0.22/sh YoY; full-year $396.6M ($1.23/sh) vs $0.85/sh.
Record full-year revenue $1.2B; non-interest income record $330M, up $36M YoY.
Ex-PPP loans grew 5.7% YoY; tangible book value per share up 9% to $8.59.
Net charge-offs very low at 0.02% annualized; provision for credit losses a net benefit of $2.4M.
CEO cites growth initiatives: eStore digital platform, Howard Bank integration, Physicians First.

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