FNB F.N.B. (FNB) Q2 FY26 earnings call
F.N.B. Corporation delivered strong Q2 FY26 results, marked by record revenues and robust capital generation, with EPS up 17% year-over-year. The company continues to leverage strategic investments in AI and data analytics to drive efficiency and revenue growth, while maintaining disciplined expense management. Despite a revised NII outlook reflecting deposit competition, FNB remains focused on deepening customer relationships and optimizing shareholder returns.
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FNB operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | This call Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Return on tangible common equity (ROTCE) | 13.2%Our capital ratios remained strong and continue to move favorably, all while producing a strong return on average tangible common equity of 13.2%.Source: earnings call transcript | 14%FNB capital levels remained strong with TC at nearly 9% and with a solid return on average tangible common equity at 14%.Source: earnings call transcript | — | +0.8 pt |
| Net interest margin | 3.25%First quarter's net interest margin was 3.25% and down 3 basis points sequentially as the timing of the Fed rate cut in December 2025 impacted NIM for the quarter.Source: earnings call transcript | 3.25%While the second quarter's net interest margin of [ 3.25% ] was equal to last quarter's NIM and Net interest income increased more than 7% on a linked-quarter annualized basis.Source: earnings call transcript | 3.29%This quarter, net interest margin increased 4 basis points to 3.29%.Source: earnings call transcript | 0 pt |
| Efficiency ratio | 56.1%The first quarter efficiency ratio remained solid at 56.1% down meaningfully from 58.5% a year ago, and we continue to manage our expense base in a disciplined manner.Source: earnings call transcript | 53.7%Even with these increases, the second quarter efficiency ratio remains solid at 53.7%, down more than 100 basis points from the year ago quarter, and we continue to manage our expense base in a disciplined manner.Source: earnings call transcript | 53.7%Even with these increases, the third quarter efficiency ratio remained solid at 53.7%.Source: earnings call transcript | 0 pt |
| Common equity tier 1 ratio (CET1) | 11.4%The 8% quarterly common dividend increase marks our first quarterly dividend increase since 2007 and reflects our strong financial performance and capital levels as evidenced by the TCE ratio of nearly 9% and the CET1 ratio of 11.4%.Source: earnings call transcript | 11.4%Stepped up repurchase pace and our recent quarterly common dividend increase reflects our strong financial performance and capital levels as evidenced by the TCE ratio of nearly 9% and a stable CET1 ratio of 11.4% in the quarter.Source: earnings call transcript | 11.3%Our strong financial performance and profitability have enabled FNB to increase share repurchase activity and still maintain solid capital levels, as evidenced by a CET1 ratio of 11.3% and TCE ratio of 8.7% at quarter end.Source: earnings call transcript | -0.1 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.