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AI brief of an SEC Form 8-K · FNB (FNB)

F.N.B. Corporation Q2 Earnings: EPS $0.36 vs $0.34, Record Revenue $438 Million

Positive Impact 3 of 5 earnings Written later

F.N.B. Corporation reported second quarter 2025 net income available to common shareholders of $130.7 million, or $0.36 per diluted share, up from $123.0 million, or $0.34, a year earlier and $116.5 million, or $0.32, in the first quarter of 2025. Record revenue of $438 million rose 6.5% from the prior quarter, driven mainly by margin expansion, and the company reported a CET1 ratio of 10.8% (estimated).

Key points

  • Net income available to common shareholders was $130.7 million, or $0.36 per diluted share, versus $0.34 in Q2 2024 and $0.32 in Q1 2025.
  • Record net interest income of $347.2 million rose $23.4 million, or 7.2%, from the prior quarter, and net interest margin (FTE) was 3.19%.
  • Provision for credit losses was $25.6 million, up from $17.5 million in the prior quarter, with net charge-offs of $21.8 million.
  • The company repurchased 0.7 million shares at a weighted average price of $13.85 in the second quarter, and tangible book value per share rose to $11.14.

The filing

CompanyFNB (FNB)
Form8-K, current report
Filed with the SECJul 18, 2025, 7:30 AM ET
Accession number0000037808-25-000125

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 12:58 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 18, 2025.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.