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

FNB Q3 2025 EPS rises 37% to $0.41 on record $457 million revenue

Positive Impact 3 of 5 earnings Written later

F.N.B. Corporation reported third-quarter 2025 net income available to common shareholders of $149.5 million, or $0.41 per diluted share, up from $0.30 a year earlier and $0.36 in the prior quarter. Revenue of $457 million was described as a record, and the company said its CET1 capital ratio rose to 11.0% (estimated), which bears on shareholders as a measure of capital strength.

Key points

  • Net income available to common shareholders was $149.5 million, or $0.41 per diluted share, versus $110.1 million, or $0.30, in Q3 2024
  • Revenue of $457 million; net interest income totaled $359.3 million and non-interest income a record $98.2 million
  • CET1 regulatory capital ratio was 11.0% (estimated), up from 10.4% a year earlier; tangible book value per share was $11.48
  • Provision for credit losses was $24.0 million, with net charge-offs of $19.7 million, or 0.22% annualized of average loans

The filing

CompanyFNB (FNB)
Form8-K, current report
Filed with the SECOct 17, 2025, 7:30 AM ET
Accession number0000037808-25-000133

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 12:58 AM ET, from this filing 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 October 17, 2025.

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