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

FNB Q4 2025 net income rose to $168.7 million, or $0.47 per diluted share, from $0.30

Positive Impact 3 of 5 earnings Written later

F.N.B. Corporation reported fourth-quarter 2025 net income available to common shareholders of $168.7 million, or $0.47 per diluted share, up from $109.9 million, or $0.30, a year earlier. Full-year 2025 net income was $565.4 million, or $1.56 per diluted share, up 23% from 2024, which matters to shareholders because it reflects higher reported earnings per share.

Key points

  • Q4 2025 operating EPS (non-GAAP) was $0.50, excluding $16.6 million pre-tax of significant items, including a $20.0 million contribution to the FNB Foundation
  • Full-year 2025 operating EPS (non-GAAP) was $1.59, compared with $1.39 in 2024
  • Net interest income was a record $365.4 million in Q4 2025, up $43.2 million, or 13.4%, from Q4 2024
  • Common Equity Tier 1 ratio was an estimated 11.4% at December 31, 2025, compared with 10.6% a year earlier; the company repurchased $18 million of common stock in Q4 2025

The filing

CompanyFNB (FNB)
Form8-K, current report
Filed with the SECJan 21, 2026, 7:31 AM ET
Accession number0000037808-26-000003

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 January 21, 2026.

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.