FNB Q3 EPS $0.41 (+37% YoY); record revenue $457M; CET1 11.0%

FNB CORP/PA/

2025-Q3 EPS reported $1.09

Net income available to common $149.5M ($0.41 diluted EPS) vs $110.1M ($0.30) a year ago; record revenue $457M.
Net interest income record $359.3M, up 3.5% linked-quarter; net interest margin (FTE) 3.25% (+6 bps QoQ).
Non-interest income record $98.2M (+7.9% QoQ); pre-provision net revenue $213.9M (+11.4% QoQ).
Tangible book value per share $11.48, +11.1% YoY; CET1 ratio 11.0% (est.) vs 10.4% year ago.
Average loans $34.8B (+3.0% YoY); average deposits $37.9B (+6.4% YoY); NCO ratio 0.22% annualized.

item 2.02item 9.01

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