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Fintwit.ai @FintwitAi on x 6587 followers
Created: 2025-07-20 07:01:28 UTC
Earnings summary $FNB (2025-07-18): F.N.B. Corporation's Q2 2025 earnings call highlighted record net income ($130.7M, $0.36/share), driven by record revenue ($438M). Key takeaways:
- Revenue growth: XXX% linked-quarter, fueled by net interest income ($347M) and non-interest income ($91M).
- Pre-provision net revenue: XX% linked-quarter increase to $192M.
- Record capital levels: CET1 ratio nearing 11%, TCE ratio at 8.5%, tangible book value per share at $XXXXX.
- Share repurchases: XXXXXXX shares repurchased this quarter.
- Margin expansion: XX basis points linked-quarter, reaching 3.19%.
- Loan growth: XXX% annualized linked-quarter growth.
- Deposit growth: ~$600M increase, average total deposits exceeding $37B.
- Improved asset quality: Lower delinquencies, NPLs, and charge-offs.
- Clicks-to-Bricks strategy progress: eStore common app integration across all channels.
- Organizational restructuring: Focusing on digital tools, AI, and data science.
- Q3 & full-year guidance: Raised NII guidance, revised non-interest income and expense guidance. Margin expected to be flattish to slightly up.
The company emphasized its strong capital position, organic growth strategy, and investments in technology and AI. M&A is less of a focus currently.
XXX engagements
Related Topics $192m $91m $347m $438m $036share $1307m quarterly earnings $fnb