Regional bank F.N.B.'s FY revenue hits record $1.8 bln
Overview
Diversified financial services firm's Q4 net income rose significantly yr/yr
Company achieved record full-year revenue of $1.8 bln
Company repurchased $18 mln worth of shares in Q4
Outlook
Company plans to sell $200 mln of residential mortgage loans in Q1 2026
Company continues investing in technology and AI for efficiency and revenue growth
Company focuses on balance sheet management and improving loan-to-deposit ratio
Result Drivers
NET INTEREST INCOME - Increase driven by growth in earning assets and lower cost of funds, despite lower yields on earning assets
TECHNOLOGY INVESTMENTS - Investments in technology and data analytics drove automation, efficiency, and revenue growth
CREDIT LOSS PROVISION - Decrease in provision for credit losses due to proactive loan portfolio management
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.47 |
|
Q4 Net Income |
| $168.70 mln |
|
Q4 Net Interest Income |
| $365.44 mln |
|
Q4 CET1 Capital Ratio |
| 11.40% |
|
Q4 Credit Loss Provision |
| $18.87 mln |
|
Analyst Coverage
The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 8 "strong buy" or "buy", no "hold" and no "sell" or "strong sell"
The average consensus recommendation for the banks peer group is "buy"
Wall Street's median 12-month price target for FNB Corp is $19.00, about 9.4% above its January 16 closing price of $17.36
The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 10 three months ago
Press Release: ID:nPn23hcvYa
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