PITTSBURGH, July 30, 2024 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) announced its Board of Directors declared a quarterly cash dividend of $0.12 per share on its common stock. The dividend is payable on September 15, 2024, to shareholders of record as of the close of business on September 5, 2024.About F.N.B. CorporationF.N.B. Corporation (NYSE: FNB), headquartered in Pittsburgh, Pennsylvania, is a diversified financial services company operating in seven states and the District of Columbia. FNB's mark ...

Shares of F.N.B. Corporation (FNB) lost 1.8% in after-market trading following the release of its lower-than-expected second-quarter 2024 results. Adjusted earnings per share of 34 cents lagged the Zacks Consensus Estimate by a penny. Moreover, the bottom line reflected a decline of 12.8% from the prior-year quarter.The results were primarily affected by higher provisions, higher expenses and lower net interest income (NII). Nonetheless, a higher non-interest income and a rise in average loans and deposits’ ...

财务数据和关键指标变化 - 第二季度净收入可供普通股股东为1.23亿美元,每股摊薄收益0.34美元 [9] - 扣除拨备前净收入环比增长超过4%,得益于良好的费用管理和持续强劲的非利息收入水平 [9] - 每股有形净资产增长12%至9.88美元,创历史新高 [9] 各条业务线数据和关键指标变化 - 贷款和存款环比分别增长3.6%和1%,超过行业平均水平 [11] - 商业贷款增长由多个地区带动,其中卡罗来纳州、匹兹堡和克利夫兰地区以及商业设备融资业务表现突出 [12] - 消费贷款增长主要来自住房抵押贷款,反映了公司在关键市场的成功执行 [13] - 存款增长受益于季节性流入以及针对性存款活动和促销 [14] 各个市场数据和关键指标变化 - 卡罗来纳州商业贷款同比实现双位数增长 [12] - 匹兹堡和克利夫兰地区以及商业设备融资业务表现强劲 [12] - 住房抵押贷款在公司关键市场持续增长 [13] 公司战略和发展方向及行业竞争 - 公司通过贷款和存款增长、收入来源多元化和风险管理来增加市场份额 [10] - 公司在资本和流动性方面处于有利地位,能够在波动环境中稳步增加市场份额 [10] - 公司持续关注创新,数字化平台获得行业认可,在技术应用和客户体验方面处于领先地位 [51][52] - 公司在员工发展和企业文化方面也获得多项殊荣,体现了公司的竞争优势 [53][54] 管理层对经营环境和未来前景的评论 - 公司有信心在当前宏观环境下稳步增加市场份额 [10] - 公司正在采取多项存款举措,预计将在下半年降低贷款存款比率,为未来利率下降做好准备 [15][18] - 公司预计未来利率下降后将受益,并有望提升净息差 [18][33] 其他重要信息 - 公司资产质量保持良好,不良贷款率和净拨备率均处于较低水平 [20][23][24][25] - 公司持续加强信贷风险管理,定期进行压力测试,结果显示在严重经济衰退情况下亦能承受 [25] - 公司资本充足,有利于支持贷款增长,同时也为未来回购股票留有空间 [44][95] 问答环节重要的提问和回答 问题1 **Daniel Tamayo 提问** 询问公司下半年贷款增长预期及其构成 [57][58] **Vince Delie 回答** - 住房抵押贷款增长将大幅放缓,主要受季节性因素影响 [59][60] - 商业房地产贷款增长主要来自之前承诺的项目 [60] - 设备融资业务和商业贷款在匹兹堡、克利夫兰等地区表现强劲 [60][61][62] - 公司有信心通过存款举措在未来替换短期借款,为2025年的收益做好准备 [69][70][71] 问题2 **Frank Schiraldi 提问** 询问公司未来发展非利息收入的目标和规划 [80] **Vince Delie 回答** - 公司长期目标是将非利息收入占总收入的30%左右 [82] - 公司将继续发展资本市场、财富管理、现金管理等业务线,以增加非利息收入占比 [83][84][85][86][87] - 这些业务线都有较大的发展空间,公司将抓住机会进一步拓展 [88] 问题3 **Casey Haire 提问** 询问公司存款举措的具体情况及其对资金成本的影响 [98] **Vince Calabrese 回答** - 公司正在实施多项存款举措,包括吸引商业和个人存款,同时也在推出定期存款产品 [99][102][103][104] - 这些存款产品的成本将随着利率下降而快速下降,有利于降低资金成本 [99][102][103][104] - 公司将根据市场情况灵活调整存款定价策略,以维持良好的存款结构和成本水平 [161]

F.N.B. Corporation Reports Second Quarter 2024 Earnings Continues to Gain Market Share with Loan and Deposit Linked-Quarter Growth of 3.6% and 0.7%, Respectively PITTSBURGH, PA – July 17, 2024 – F.N.B. Corporation (NYSE: FNB) reported earnings for the second quarter of 2024 with net income available to common stockholders of $123.0 million, or $0.34 per diluted common share. Comparatively, second quarter of 2023 net income available to common stockholders totaled $140.4 million, or $0.39 per diluted common ...

文章核心观点 - 公司本季度收入为4.0381亿美元,同比下降1.4% [1] - 每股收益为0.34美元,去年同期为0.39美元 [1] - 公司的关键财务指标如效率比率、净利差、不良贷款等均与分析师预期基本一致 [5] - 公司的非利息收入项目如抵押贷款、服务费、资本市场收入等与分析师预期也基本一致 [5] - 公司股价在过去一个月内上涨18.3%,优于大盘4.4%的涨幅,目前评级为买入 [6] 财务指标总结 收入和利润 - 公司本季度收入为4.0381亿美元,同比下降1.4% [1] - 每股收益为0.34美元,去年同期为0.39美元,下降2.86% [2] 资产负债 - 总利息收益资产平均余额为414.2亿美元,略高于分析师预期的411.6亿美元 [5] - 不良贷款总额为1.08亿美元,低于分析师预期的1.1124亿美元 [5] - 净核销率为0.1%,低于分析师预期的0.2% [5] 收益结构 - 非利息收入为8792万美元,高于分析师预期的8472万美元 [5] - 其中抵押贷款收入为696万美元,低于分析师预期的789万美元 [5] - 服务费收入为2333万美元,低于分析师预期的3044万美元 [5] - 信托服务收入为1148万美元,与分析师预期基本一致 [5] - 证券佣金和费用为798万美元,高于分析师预期的746万美元 [5] - 资本市场收入为514万美元,低于分析师预期的601万美元 [5] - 净利息收入为31589万美元,低于分析师预期的32266万美元 [5]

文章核心观点 - 公司2024年第二季度每股收益0.34美元,低于市场预期0.35美元[1] - 公司收入4.0381亿美元,低于市场预期[3] - 公司股价今年以来涨幅低于标普500指数[4] 公司表现 - 公司2024年第二季度每股收益0.34美元,同比下降12.8%[1] - 公司收入4.0381亿美元,同比下降1.4%[3] - 公司过去4个季度中有3次超出市场每股收益预期[2] - 公司收入过去4个季度中有2次超出市场预期[3] 未来展望 - 公司股价走势将主要取决于管理层在财报电话会议上的评论[4] - 公司目前的每股收益预期为0.37美元,全年预期为1.42美元[9] - 公司所在银行业东南地区行业目前在250多个行业中排名靠后,未来表现可能不佳[10] - 同行Third Coast Bancshares, Inc.预计2024年第二季度每股收益为0.55美元,同比增长3.8%,收入同比增长12.7%[12]

Continues to Gain Market Share with Loan and Deposit Linked-Quarter Growth of 3.6% and 0.7%, RespectivelyPITTSBURGH, July 17, 2024 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) reported earnings for the second quarter of 2024 with net income available to common stockholders of $123.0 million, or $0.34 per diluted common share. Comparatively, second quarter of 2023 net income available to common stockholders totaled $140.4 million, or $0.39 per diluted common share, and first quarter of 2024 net income avai ...

Analysts on Wall Street project that F.N.B. (FNB) will announce quarterly earnings of $0.35 per share in its forthcoming report, representing a decline of 10.3% year over year. Revenues are projected to reach $407.46 million, declining 0.5% from the same quarter last year.The current level reflects an upward revision of 2.3% in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projections over t ...

Additional Awards Based on Employee Feedback Highlight the Company's Strong Leadership and People-Centric CulturePITTSBURGH, July 11, 2024 /PRNewswire/ -- F.N.B. Corporation announced today that its largest subsidiary, First National Bank, has been named a 2024 Top Workplace for Financial Services by Energage. FNB has received the award every year since its 2021 commencement. Additionally, 2024 marks the tenth consecutive year FNB is being recognized as a Top Workplace in Northeast Ohio by The Plain Dealer, ...

The market expects F.N.B. (FNB) to deliver a year-over-year decline in earnings on lower revenues when it reports results for the quarter ended June 2024. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 1 ...