F.N.B. Corporation Reports Third Quarter 2026 Earnings
F.N.B. Corporation reported Q3 2026 net income of $152.9 million, or $0.43 per diluted share, up from $0.41 in the year-ago quarter. The quarter featured record net interest income of $376.5 million and a net interest margin of 3.29%, up 4 basis points linked-quarter, with annualized loan and deposit growth of 8.5% and 8.9% respectively. Credit quality stayed satisfactory with net charge-offs of 0.12% annualized and a stable 1.25% ACL ratio; the CET1 ratio was an estimated 11.3%.
Key figures
- Eps
- 0.43
- Revenue
- 0
- Cet1 ratio
- 11.3%
- Net income
- 152900000
- Q3 buybacks
- $51 million / 2.7 million shares at $18.69 average
- Ytd buybacks
- $133 million / 7.4 million shares at $17.90 average
- Average loans
- $36.1 billion
- Net income yoy
- 2.2%
- Ytd diluted eps
- 1.23
- Average deposits
- $38.8 billion
- Efficiency ratio
- 53.7%
- Net interest income
- 376500000
- Net interest margin
- 3.29%
- Non interest income
- 92600000
- Ytd diluted eps yoy
- 13%
- Net charge off ratio
- 0.12%
- Non interest expense
- 256900000
- Loan to deposit ratio
- 92.4%
- Loan growth annualized
- 8.5%
- Tangible book value yoy
- 7.0%
- Deposit growth annualized
- 8.9%
- Nii linked quarter growth
- 3.0%
- Pre provision net revenue
- 212200000
- Provision for credit losses
- 19600000
- Tangible book value per share
- 12.28
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