FNB Corp (NYSE:FNB) stock rose 2.98% (As on January 21, 11:24:42 AM UTC-4, Source: Google Finance) after the company reported net income available to common shareholders of $168.7 million, or $0.47 per diluted common share. Comparatively, fourth quarter 2024 net income available to common shareholders totaled $109.9 million, or $0.30 per diluted common share, and third quarter of 2025 net income available to common shareholders totaled $149.5 million, or $0.41 per diluted common share.

Moreover, Average loans and leases totaled $35.0 billion, an increase of $1.2 billion, or 3.4%, driven by consumer loan growth of $1.2 billion. In December 2025, FNB transferred approximately $200 million of performing residential mortgage loans to held-for-sale in anticipation of a loan sale expected to close in the first quarter of 2026 as part of balance sheet management actions. Average deposits totaled $38.6 billion, an increase of $1.7 billion, or 4.5%, as the growth in average interest-bearing demand deposits of $1.7 billion and average non-interest-bearing demand deposits of $156.1 million more than offset the declines in average time deposits of $113.1 million and average savings deposits of $93.5 million. On a linked-quarter basis, average loans and leases increased 1.9% annualized and average deposits increased 7.7% annualized. The loan-to-deposit ratio was 89.7% at December 31, 2025, a slight improvement compared to 90.9% at September 30, 2025, and 91.5% at December 31, 2024. Net interest income totaled a record $365.4 million, an increase of $6.2 million, or 1.7%, linked-quarter, primarily due to growth in earning assets and a lower cost of funds, partially offset by lower yields on earning assets. Net interest margin (FTE) (non-GAAP) equaled 3.28%, an increase of 3 basis points from the third quarter of 2025, reflecting a 14 basis point decline in the total cost of funds, more than offsetting an 11 basis point decline in the total yield on earning assets. Tangible book value per common share (non-GAAP) of $11.87 increased $1.38, or 13.2%, compared to December 31, 2024, and $0.39, or 3.4%, compared to September 30, 2025. There is record capital levels with the Common Equity Tier 1 (CET1) regulatory capital ratio at 11.4% (estimated), compared to 10.6% at December 31, 2024, and 11.1% at September 30, 2025.

FNB in the third quarter of FY25 has reported the adjusted earnings per share of 50 cents, beating the analysts’ estimates for the adjusted earnings per share of 41 cents, according to Zacks Investment Research. The company had reported the adjusted revenue of $457.8 million in the third quarter of FY25, beating the analysts’ estimates for revenue of $455.8 million.