Abstract
F.N.B. Corp will report fourth-quarter 2025 results on January 20, 2026 Post Market, with investors watching revenue, net interest trends, credit costs, and fee momentum as management guides for the first quarter of 2026 and the full-year trajectory.
Market Forecast
Consensus and company forecasts indicate fourth-quarter revenue of $457.53 million, an adjusted EPS estimate of $0.41, and EBIT of $208.55 million, with year-over-year growth of 12.14%, 24.46%, and 19.42%, respectively. Forecast gross profit margin is not available; the company’s net profit margin outlook for the quarter is not provided, and adjusted EPS guidance is $0.41 with estimated year-over-year growth of 24.46%. The main business, Community Banking, is projected to continue driving revenue through balanced loan and deposit growth and stable fee streams. Wealth Management shows the strongest potential among fee businesses, with an identifiable revenue base of $21.00 million in the last quarter and a positive trajectory tied to market-level asset values.
Last Quarter Review
F.N.B. Corp’s third-quarter 2025 results showed revenue of $457.44 million, a net profit attributable to common shareholders of $150.00 million, a net profit margin of 34.63%, and adjusted EPS of $0.41, with year-over-year growth for revenue and EPS of 10.76% and 20.59%, respectively. The quarter saw quarter-on-quarter net profit growth of 15.38% supported by disciplined credit underwriting, resilient deposit franchises across core Mid-Atlantic and Southeast markets, and stable net interest margin dynamics. Community Banking contributed $443.00 million, Wealth Management generated $21.00 million, Insurance added $5.00 million, and Corporate & Other posted a negative $12.00 million, reflecting a diversified revenue mix with fee businesses enhancing stability.
Current Quarter Outlook
Community Banking
The Community Banking segment remains the anchor for F.N.B. Corp’s financial performance this quarter. Loan pipelines and deposit retention are likely to support modest volume growth, while pricing discipline and relationship depth should help sustain net interest income levels despite mixed funding pressures. Management’s focus on core customer acquisition, treasury services, and commercial lending is expected to bolster non-interest income within the segment, supporting overall revenue continuity even if rate volatility affects spreads. With revenue at $443.00 million in the previous quarter, the business has the scale to absorb episodic credit normalization, and continued investment in digital channels may contribute to marginal efficiency improvements.
Wealth Management
Wealth Management is positioned to be F.N.B. Corp’s most promising fee-based contributor this quarter. The segment’s last-quarter revenue of $21.00 million serves as a base from which asset market performance, client inflows, and cross-sell from Community Banking relationships can drive incremental gains. Fee durability here benefits from diversified advisory and brokerage lines; if equity markets remain stable, advisory fees can expand with average assets under management, lifting segment revenue. As a relatively smaller business, operating leverage can be meaningful: modest revenue increases should flow through to EBIT more quickly, providing a supportive buffer to consolidated results in the face of potential margin compression elsewhere.
Key Stock Price Drivers
Investors will focus on net interest margin resilience, credit quality trends, and the cadence of fee growth across Wealth Management and Insurance. A steady net interest margin, supported by mix-shift in deposits and disciplined loan pricing, would underpin earnings stability, while any uptick in nonperforming loans or net charge-offs could challenge sentiment. On the non-interest side, expanding wealth fees and stable insurance commissions help diversify the revenue base and mitigate dependency on spread income; execution on cross-selling into the commercial franchise will be watched closely. Finally, capital deployment—through share repurchases or dividend actions—could influence valuation multiples alongside the reported EPS trajectory.
Analyst Opinions
Across recent institutional commentary, the majority view leans constructive, emphasizing the durability of F.N.B. Corp’s revenue base and the improving earnings algorithm into the quarter. Analysts point to consistent execution in the Community Banking franchise, supportive deposit trends, and prudent credit management as reasons to expect the company to meet or modestly exceed revenue and EPS forecasts. Commentary also highlights the positive setup for fee businesses, with Wealth Management benefiting from equity market levels and Insurance providing steady contributions, together helping balance spread income pressures. In this context, the bullish camp argues that EPS near $0.41 and revenue around $457.53 million are achievable, with potential upside if net interest margin holds better than expected and credit costs remain contained. The constructive stance reflects a higher proportion of positive previews relative to cautious takes, centering on F.N.B. Corp’s operating consistency and diversified income streams.Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
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