F N B Reports Q2 2026 Results: Full Earnings Call Transcript

F N B (NYSE: FNB ) reported second-quarter financial results on Friday.

The transcript from the company's second-quarter earnings call has been provided below.

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The full earnings call is available at Summary FNB Corporation reported a 17% year-over-year increase in earnings per share to $0.42, with net income reaching $149 million for Q2 2026.

The company achieved record revenue of $463 million, driven by net interest income of $366 million and non-interest income of $97 million.

FNB Corporation's tangible book value per common share rose 10% to $12.24, and the company repurchased 2.7 million shares of common stock.

Loans increased 7.5% on an annualized linked quarter basis, led by growth in commercial, industrial, and residential mortgage sectors.

The company emphasized its data analytics and AI capabilities, particularly highlighting its upcoming Insight360 tool, expected to launch by year-end.

FNB Corporation maintained strong asset quality metrics, with improvements in delinquency and non-performing loans.

The company provided guidance for Q3 and full-year 2026, projecting continued growth in loans and deposits, and revised net interest income guidance due to deposit competition.

Management highlighted successful strategic hires and third-party recognition, including awards for client service and financial innovations.

Full Transcript OPERATOR Good morning and welcome to the FNB Corporation second quarter 2026 earnings call.

All participants will be in listen-only mode.

Should you need assistance, please signal a conference specialist by pressing the STAR key then zero on your telephone keypad.

After today's presentation, there will be an opportunity to ask questions.

To ask a question, you may press STAR then one on your telephone keypad.

To withdraw the question, please press STAR then two.

Please note this event is being recorded.

I would now like to turn the conference over to Lisa Haidoo, Manager of Investor Relations.

Please go ahead.

Lisa Haidoo, Manager of Investor Relations Good morning and welcome to our earnings call.

This conference call of FNB 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 an 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 materials and in our earnings release.

Please refer to these non-GAAP and forward-looking statement disclosures contained in our related materials, reports, and registration statements filed with the Securities and Exchange Commission and available on our corporate website.

A replay of this call will be available until Friday, July 24th, and the webcast link will be posted to the About Us Investor Relations section of our corporate website.

I will now turn the call over to Vince Dillee, Chairman, President, and CEO.

Vince Dillee, Chairman, President, and CEO Thank you and welcome to our second quarter earnings call.

Joining me today are Vince Calabrese, our Chief Financial Officer, and Gary Guerreri, our Chief Credit Officer.

FNB'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 revenue increasing 9% from the year-ago quarter and positive operating leverage on a year-over-year basis.

Tangible book value per common share increased 10% to $12.24, demonstrating our strong profitability levels and commitment to peer-leading internal capital generation.

FNB repurchased 47 million or 2.7 million shares of common stock at a weighted average share price of $17.46.

FNB's capital levels remain strong with TC at nearly 9% and with a solid return on average tangible common equity at 14%.