F.N.B. (FNB) earnings

FNB CORP/PA/· Financials

Results to: Jun 2026
Latest analysed call: Jun 2026 (Q2 FY26)
Balance sheet to: Dec 2025

Company research is public. Sign in to keep your own companies, notes and cases.

F.N.B. earnings: last reported Fri, 17 Jul 2026, for the quarter ended Jun 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	149 $ million	+14.6% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Price

$16.96 −1.57% · −$0.27

Last close Oct 19, 2026 · US · USD

Performance +12.4% 1Y

1Y: $15.09 on 17 Oct 2025 → $16.96. High $19.49 (16 Jul 2026), low $15.09 (17 Oct 2025).

Previous close: $17.23
52-week range: $15.31 – $19.49
One year: +9.49%

Overview

Symbol: FNB
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +15% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Profit before tax	140	102	148	166	190	165	174	188
Tax rate	21.4%	−7.8%	20.9%	21.7%	21.1%	−1.8%	21.3%	20.7%
Net profit	110	110	117	130	150	168	137	149
EPS ($ per share)	0.30	—	0.32	0.36	0.41	—	0.38	0.42

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	3	3	3	3	4	4	4	4
Reserves	576	798	869	1,110	1,370	1,669	1,952	2,343
Total liabilities	28,494	29,732	32,395	34,363	38,072	40,108	42,323	43,470
Fixed assets	330	333	332	345	432	461	536	568
Total assets	33,102	34,615	37,354	39,513	43,725	46,158	48,625	50,229

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	611	259	113	530	1,218	423	642	482
Cash from investing	-1,920	-1,131	-1,822	-153	-3,055	-2,261	-1,703	-1,487
Cash from financing	1,318	983	2,493	1,733	18	1,740	1,904	1,084
Net cash flow	9	111	784	2,110	-1,819	-98	843	79
Capital expenditure	-35	-46	-41	-58	-95	-88	-139	-106
Free cash flow	576	213	72	472	1,123	335	503	376

Source: Inve data · cash flow · to Dec 2025

FNB operating KPIs by quarter

FNB operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Mar 2026 Q1 FY26	Jun 2026 Q2 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	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	-2.4 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	0 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.

Insider filings

53 filings between Dec 2, 2025 and Aug 6, 2026.

Open market

decisions to buy or sell

Purchases

None

No insider bought shares.

Sales

$1.37M

4 sales by 3 insiders

Compensation

not trading decisions

24: Award — granted as compensation
25: Tax withheld — shares kept back by the company to cover tax

Who traded

open market only

Insider	Bought	Sold	Last filing
Dutey James L	—	$670.1K	Dec 2, 2025
GUERRIERI GARY L	—	$617.1K	Jun 12, 2026
David Bryant Mitchell	—	$78.0K	Aug 6, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Aug 6, 2026	David Bryant Mitchell Chief Wholesale Banking Office	Sale	4,055	$78.0K
Jun 12, 2026	GUERRIERI GARY L Chief Credit Officer	Sale	19,000	$352.1K
May 6, 2026	STANIK JOHN S Director	Award	5,027	$90.0K
May 6, 2026	CAMPBELL WILLIAM B Director	Award	279	$5.0K
May 6, 2026	MOTLEY DAVID L Director	Award	4,748	$85.0K
May 6, 2026	DELIE VINCENT J JR Chairman, President, & CEO	Award	4,748	$85.0K
May 6, 2026	MALONE DAVID J Director	Award	5,027	$90.0K
May 6, 2026	STRIMBU WILLIAM J Director	Award	4,748	$85.0K
May 6, 2026	Bena Pamela A Director	Award	4,748	$85.0K
May 6, 2026	Mencini Frank C Director	Tax withheld	200	$3.6K
May 6, 2026	CHIAFULLO JAMES D Director	Award	5,027	$90.0K
May 6, 2026	Mencini Frank C Director	Award	5,027	$90.0K
May 6, 2026	Dively Mary Jo Director	Award	4,748	$85.0K
May 6, 2026	Nicholas Heidi A Director	Award	5,027	$90.0K
Mar 18, 2026	David Bryant Mitchell Chief Wholesale Banking Office	Award	30,280	$487.8K
Mar 18, 2026	Dutey James L Corporate Controller	Tax withheld	597	$9.6K
Mar 18, 2026	Dutey James L Corporate Controller	Tax withheld	4,862	$78.3K
Mar 18, 2026	GUERRIERI GARY L Chief Credit Officer	Tax withheld	1,368	$22.0K
Mar 18, 2026	GUERRIERI GARY L Chief Credit Officer	Award	39,093	$629.8K
Mar 18, 2026	GUERRIERI GARY L Chief Credit Officer	Tax withheld	10,204	$164.4K
Mar 18, 2026	DELIE VINCENT J JR Chairman, President, & CEO	Award	227,919	$3.67M
Mar 18, 2026	DELIE VINCENT J JR Chairman, President, & CEO	Tax withheld	99,123	$1.60M
Mar 18, 2026	DELIE VINCENT J JR Chairman, President, & CEO	Tax withheld	13,569	$218.6K
Mar 18, 2026	Calabrese Vincent J Chief Financial Officer	Tax withheld	3,193	$51.4K
Mar 18, 2026	ORIE JAMES Chief Legal Officer	Tax withheld	1,431	$23.1K
Mar 18, 2026	Dutey James L Corporate Controller	Award	11,716	$188.7K
Mar 18, 2026	Calabrese Vincent J Chief Financial Officer	Tax withheld	27,762	$447.2K
Mar 18, 2026	Calabrese Vincent J Chief Financial Officer	Award	63,833	$1.03M
Mar 18, 2026	ORIE JAMES Chief Legal Officer	Tax withheld	10,271	$165.5K
Mar 18, 2026	David Bryant Mitchell Chief Wholesale Banking Office	Tax withheld	13,170	$212.2K
Mar 18, 2026	David Bryant Mitchell Chief Wholesale Banking Office	Tax withheld	1,517	$24.4K
Mar 18, 2026	ORIE JAMES Chief Legal Officer	Award	23,615	$380.4K
Feb 18, 2026	Calabrese Vincent J Chief Financial Officer	Award	20,628	$375.0K
Feb 18, 2026	ORIE JAMES Chief Legal Officer	Award	8,911	$162.0K
Feb 18, 2026	Cho Alfred D. Chief Consumer Banking Officer	Award	8,911	$162.0K
Feb 18, 2026	David Bryant Mitchell Chief Wholesale Banking Office	Award	9,030	$164.2K
Feb 18, 2026	Dutey James L Corporate Controller	Award	3,587	$65.2K
Feb 18, 2026	GUERRIERI GARY L Chief Credit Officer	Award	11,860	$215.6K
Feb 18, 2026	DELIE VINCENT J JR Chairman, President, & CEO	Award	83,499	$1.52M
Jan 20, 2026	Dutey James L Corporate Controller	Tax withheld	782	$13.6K
Jan 20, 2026	DELIE VINCENT J JR Chairman, President, & CEO	Tax withheld	14,446	$250.8K
Jan 20, 2026	David Bryant Mitchell Chief Wholesale Banking Office	Tax withheld	1,146	$19.9K
Jan 20, 2026	Calabrese Vincent J Chief Financial Officer	Tax withheld	3,710	$64.4K
Jan 20, 2026	GUERRIERI GARY L Chief Credit Officer	Tax withheld	1,477	$25.6K
Jan 20, 2026	ORIE JAMES Chief Legal Officer	Tax withheld	1,385	$24.0K
Jan 6, 2026	Dutey James L Corporate Controller	Tax withheld	743	$12.8K
Jan 6, 2026	GUERRIERI GARY L Chief Credit Officer	Tax withheld	1,310	$22.5K
Jan 6, 2026	DELIE VINCENT J JR Chairman, President, & CEO	Tax withheld	12,725	$218.7K
Jan 6, 2026	Calabrese Vincent J Chief Financial Officer	Tax withheld	3,565	$61.3K
Jan 6, 2026	ORIE JAMES Chief Legal Officer	Tax withheld	1,319	$22.7K

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

Your own record

Start an Inve Case for FNB CORP/PA/

Free account. Everything above stays public.

Write why you follow FNB CORP/PA/ and the condition you want checked. Inve compares your numeric conditions with available results and management guidance; your own conditions remain yours to review.

What an account adds

Keep reading

Other US companies filed under F

All 136 companies under F

US companies A–Z · Earnings calls · US earnings-call directory · US sector analysis · What management promised, and delivered

F.N.B. (FNB) earnings

The figures, each with its period

Performance +12.4% 1Y

Jun 2026 (Q2 FY26) — Jul 17, 2026

Mar 2026 (Q1 FY26) — Apr 17, 2026

F.N.B. earnings calls (FNB)

What the filings say

FNB operating KPIs by quarter

Insider filings

Open market

Compensation

Who traded

Start an Inve Case for FNB CORP/PA/

Other US companies filed under F