F.N.B. reports Q1 EPS $0.32 (flat YoY); record CET1 capital ratio 10.7%

FNB CORP/PA/

2025-Q1 EPS reported $0.32

Net income available to common shareholders $116.5M ($0.32 diluted) vs $116.3M ($0.32) a year ago.
Net interest income $323.8M, up 0.5% linked quarter; net interest margin (FTE) stable at 3.03%.
Period-end loans +5.1% YoY to $36.2B; deposits +7.2% YoY to $39.4B.
Tangible book value per share (non-GAAP) rose 12.3% to $10.83; CET1 ratio 10.7%.
Net charge-offs annualized 0.15%; non-performing loans ratio stable at 0.48%.

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