FNB reports Q4 2025 EPS $0.47 GAAP, $0.50 operating; full-year revenue record $1.8B

FNB CORP/PA/

2025-FY EPS reported $1.56

GAAP diluted EPS Q4 $0.47 vs $0.30 year ago; full-year $1.56 vs $1.27.
Operating EPS (non-GAAP) Q4 $0.50; full-year $1.59, up 14% YoY operating basis.
Total assets surpassed $50B; CET1 ratio 11.4%, up from 10.6% year ago.
Tangible book value per share $11.87, up 13.2% YoY; loan-to-deposit ratio 89.7%.
Net interest margin (FTE) 3.28%, up 3 bps linked-quarter; provision $18.9M.

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