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F.N.B. Corporation FNB Q3 2025 earnings

Reported October 16, 2025 · After market close

Revenue$457.0MBeat by $9.3M
EPS$0.41Beat by $0.04
Revenue estimate$447.7M
EPS estimate$0.37

Next report

Oct 15, 2026 (in 2 months)
Revenue estimate$476.3M
EPS estimate$0.43

Financials

Q3 2025

Income statement

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Revenue$457.0M+10.9%
Net income$150.0M+36.4%
EPS (diluted)$0.41+36.7%

Balance sheet

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Cash & equivalents$2.4B+16.1%
Total debt$4.3B-1.7%
Total equity$6.6B+6.2%
Total assets$49.9B+4.0%

Cash flow

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Operating cash flow$167.0M
CapEx$18.0M-43.8%
Free cash flow$149.0M

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$5.79B+14.0%
Enterprise value$7.65B+4.1%
P/E11.4×-1.1×
P/S3.4×+0.2×

Profitability

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Net margin30.2%+4.2pp
FCF margin33%

Returns & leverage

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Return on equity7.9%+1.2pp
Debt / equity0.6×-0.1×

FAQ

When did F.N.B. Corporation report Q3 2025 earnings?
F.N.B. Corporation (FNB) reported Q3 2025 earnings on October 16, 2025 after market close.
What were F.N.B. Corporation's Q3 2025 revenue and EPS?
F.N.B. Corporation reported revenue of $457.0M and eps of $0.41 for Q3 2025.
Did F.N.B. Corporation beat estimates in Q3 2025?
Revenue beat the consensus estimate of $447.7M by $9.3M. EPS beat the consensus estimate of $0.37 by $0.04.
How did F.N.B. Corporation's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.9% from $412.0M a year earlier and eps grew 20.6% from $0.34.
Where can I find F.N.B. Corporation's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000037808-25-000133) and the 10-Q periodic report (0000037808-25-000135) directly on SEC EDGAR. The filing index links above go to sec.gov.