F.N.B. Corporation Q2 FY2026 Earnings Call
With Vincent Delie (Chairman, President, and CEO), Vince Calabrese (CFO), Gary Guerrieri (Chief Credit Officer) and 3 more.
F.N.B. Corporation (NYSE: FNB) is a diversified financial services company headquartered in Pittsburgh, PA. Along with our largest subsidiary, First National Bank, we provide a full range of relationship-based commercial banking, consumer banking, wealth management and insurance solutions.
More about F.N.B. Corporation
Our customer-first approach is delivered through hundreds of branch offices throughout Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Virginia and the District of Columbia. Known for a commitment to doing what’s right for our customers, communities and employees, FNB’s award-winning workplace culture has been recognized by prominent organizations such as Newsweek, TIME, Energage and Forbes. Our more than 100 national and regional awards as a top workplace add to an extensive list of honors we have received for our financial performance, strong leadership, customer-centric innovation and premium service. Visit fnb-online.com/careers to explore career opportunities and join our Talent Network to stay connected to current openings that may be a match for your interests. F.N.B. Corporation provides equal employment opportunity to qualified persons regardless of race, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status, or other category protected by law.
1Prepared remarks4 speakers
Good morning. Welcome to our earnings call. This conference call of F.N.B. Corporation and the reports it files with the Securities and Exchange Commission often contain forward-looking statements and non-GAAP financial measures. Non-GAAP financial measures should be viewed in addition to, and not as alternative for, our reported results prepared in accordance with GAAP. Reconciliations of GAAP to non-GAAP operating measures to the most directly comparable GAAP financial measures are included in our presentation…
Thank you. Welcome to our second quarter earnings call. Joining me today are Vince Calabrese, our Chief Financial Officer, and Gary Guerrieri, our Chief Credit Officer. F.N.B.'s second quarter earnings per share grew 17% year-over-year to $0.42, with net income of $149 million. Our results included another quarter of record revenue totaling $463 million, driven by net interest income of $366 million and solid non-interest income of $97 million. The solid quarterly performance contributed to pre-provision net…
Thank you, Vince, and good morning, everyone. We saw improvement in our continued solid asset quality metrics this quarter with both delinquency and NPLs and OREO decreasing three basis points compared to the prior quarter, totaling 71 and 31 basis points respectively. Net charge-offs continued to show solid performance, totaling 19 basis points, up one basis point compared to the prior quarter. Criticized loans declined slightly in the quarter with a 68 basis point reduction compared to the prior year. Total…
Thanks, Gary, and good morning. Today, I'll review the second quarter's financial results and walk through our third quarter and full-year guidance. Second quarter net income totaled $148.7 million, or $0.42 per share, a 17% year-over-year increase driven by total revenues up 5.6% and prudent management of operating expenses generating a…