F.N.B. Corp. Reports Third Quarter Net Income Growth

Pittsburgh-based F.N.B. Corp. achieved $152.9 million in net income for the third quarter of 2026.

Updated on Oct. 20, 2026 in Corporate Finance

F.N.B. Corp. Reports Third Quarter Net Income Growth

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F.N.B. Corp. announced a net income of $152.9 million for the third quarter of 2026. This performance marks an increase from the $149.5 million reported in the third quarter of 2025.

Why it matters

The company's financial results demonstrate growth fueled by equipment finance production and investment in technology to expand primary customer relationships in regional markets.

Net interest income reached $376.5 million, while noninterest income totaled $92.6 million. Earnings per diluted share were 43 cents for the period.

The players

F.N.B. Corp.

F.N.B. Corp. is a financial services company headquartered in Pittsburgh that provides banking and wealth management services.

The details

The Pittsburgh-headquartered firm saw average loans and leases reach $36.1 billion, supported by growth across Pennsylvania and Charlotte markets. Operational gains were bolstered by a 92.4% loan-to-deposit ratio as of September 30, 2026.

Q3 2025 net income reached $149.5 million.
Q2 2026 net income reached $148.7 million.
The loan-to-deposit ratio was 92.4% on September 30, 2026.
Q3 2026 net income reached $152.9 million.

Market Dynamics

F.N.B. Corp.'s latest earnings report highlights a period of stabilization and growth for regional banks following the 2023 regional banking sector instability. The firm is navigating a competitive landscape by prioritizing digital integration and regional market expansion.

Shareholders may note the 7% year-over-year increase in tangible book value as a sign of institutional health. The bank's focus on primary relationship growth suggests continued efforts to deepen customer engagement within its existing service footprint.

The takeaway

F.N.B. Corp. continues to prioritize equipment finance and technology to maintain its competitive stance in regional markets. Investors should monitor how these investments translate into long-term efficiency and market share retention.