F.N.B. Corp Q4 operating EPS flat YoY at $0.38; full-year operating EPS $1.39; TBV up 11%

FNB CORP/PA/

2024-FY EPS reported $1.27

Q4 net income $109.9M ($0.30 diluted EPS); operating EPS (non-GAAP) $0.38, flat vs Q4 2023.
Full-year 2024 net income $459.3M ($1.27 diluted EPS); operating EPS $1.39 vs $1.57 in 2023.
Tangible book value per share grew 11% YoY to $10.49; CET1 ratio 10.6%; TCE ratio 8.2%.
Completed $231M AFS securities sale with $34M realized loss; issued $500M senior notes at 5.722% due 2030.
Loans +5.0% YoY; deposits +6.9% YoY; loan-to-deposit ratio improved to 91% from 93%.

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