F.N.B. Corp Q2 earnings: $0.30 GAAP EPS; record revenue $336M; announces UB Bancorp acquisition

FNB CORP/PA/

2022-Q2 EPS reported $0.45

Net income $107.1M ($0.30 diluted EPS); operating EPS $0.31, up 19% linked quarter.
Record revenue $336M; net interest income $253.7M (+11.3%); NIM 2.76% (+15 bps).
Spot loan growth $1.3B (19.5% annualized) excl. PPP; net recoveries (0.01% NCO ratio).
Efficiency ratio 55.2%; pre-provision net revenue $145.1M, up 23.2% linked quarter.
Announced all-stock acquisition of UB Bancorp for ~$117M; CET1 9.7%; T/BV $8.10.

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