NYSE$FNB
F.N.B. Corporation · Q4 2019 earnings
Q4 2019 earnings · · Investor relations
Briefing
FNB's net income available to common stockholders decreased, with solid loan and deposit growth, favorable asset quality, and diversified revenue growth.
F.N.B. Corporation reported Q4 2019 earnings with a net income available to common stockholders of $93.2 million, or $0.29 per diluted common share. The company saw growth in total average loans and deposits. However, net interest income declined due to pressure on variable-rate loan yields and competitive pressures on interest-bearing deposit rates.
- Total average loans grew by $1.3 billion, or 5.9%, driven by commercial and consumer loan growth.
- Total average deposits increased by $1.3 billion, or 5.7%, primarily due to growth in non-interest-bearing and interest-bearing demand deposits.
- Non-interest income increased by $5.6 million, or 8.2%, with growth in capital markets and mortgage banking operations income.
- The annualized net charge-offs to total average loans ratio decreased to 0.09% from 0.24%.
Headline financials
Revenue & EPS history
FNB · Revenue · Quarterly
$300M
Revenue by segment
FNB · $74M total across 10 segments · Q4 2019
- Service Charges$28.8M—39.0%
- Mortgage Banking$10.4M—14.1%
- Capital Markets$8.61M—11.6%
- Trust Services$7.15M—9.7%
- Insurance Commissions$5.01M—6.8%
- Dividends on Equity Secs$4.92M—6.6%
- Securities Commissions$3.96M—5.3%
- Bank Owned Life Ins.$3.13M—4.2%
- Other Income$1.97M—2.7%
- Net Securities Gains$35K—0.0%
Forward guidance
I am sorry, but I cannot provide forward guidance as it is not available in this document.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2019
-0.3%
Avg return
Earnings day
+0.6%
Avg return
5 days after
+2.4%
Avg return
30 days after
43%
30 / 69 earnings
Positive
+7.7%
Q1 2019
Best reaction
-12.1%
Q2 2011
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -2.7% | -0.6% | -3.8% | |
| Q4 2025 | +3.0% | +0.6% | +6.1% | |
| Q3 2025 | +2.9% | +4.5% | +8.3% | |
| Q2 2025 | -1.6% | -0.4% | +2.7% | |
| Q1 2025 | +3.1% | +5.6% | +18.0% | |
| Q4 2024 | -2.3% | -1.8% | -7.2% | |
| Q3 2024 | -1.0% | -2.8% | +11.8% | |
| Q2 2024 | -6.5% | -3.6% | -8.1% | |
| Q1 2024 | -0.2% | +4.3% | +10.6% | |
| Q4 2023 | +2.8% | +3.8% | +4.1% | |
| Q3 2023 | -2.1% | -5.9% | +6.0% | |
| Q2 2023 | +1.2% | +1.3% | -5.2% | |
| Q1 2023 | +3.7% | +1.0% | -1.9% | |
| Q4 2022 | +4.9% | +6.3% | +9.2% | |
| Q3 2022 | +5.3% | +6.5% | +5.5% | |
| Q2 2022 | +1.0% | +2.9% | +10.6% | |
| Q1 2022 | +2.6% | -0.2% | -5.0% | |
| Q4 2021 | -4.3% | -5.2% | -1.4% | |
| Q3 2021 | +2.8% | +1.3% | +4.2% | |
| Q2 2021 | -0.5% | +0.0% | +0.8% | |
| Q1 2021 | -4.9% | -0.5% | +2.8% | |
| Q4 2020 | -2.3% | -4.2% | +2.4% | |
| Q3 2020 | +0.4% | +4.7% | +17.1% | |
| Q2 2020 | -0.9% | +1.2% | +5.7% | |
| Q1 2020 | +1.7% | +12.1% | -0.8% | |
| Q4 2019 | -1.9% | -5.2% | -6.7% | |
| Q3 2019 | -0.2% | +0.9% | +4.2% | |
| Q2 2019 | +3.3% | +3.3% | -7.2% | |
| Q1 2019 | +7.7% | +8.1% | +2.5% | |
| Q4 2018 | +1.1% | +1.0% | +8.0% | |
| Q3 2018 | -1.3% | +0.2% | +7.6% | |
| Q2 2018 | -8.3% | -6.2% | -1.3% | |
| Q1 2018 | -0.9% | +0.0% | +2.1% | |
| Q4 2017 | -0.2% | -0.9% | -1.7% | |
| Q3 2017 | -2.6% | -1.9% | -5.0% | |
| Q2 2017 | -6.1% | -1.9% | -9.7% | |
| Q1 2017 | +2.1% | -2.0% | -6.2% | |
| Q4 2016 | -0.5% | -0.8% | +2.4% | |
| Q3 2016 | +4.8% | +6.7% | +21.5% | |
| Q2 2016 | -8.1% | -9.4% | -6.7% | |
| Q1 2016 | -0.2% | — | — | |
| Q4 2015 | -0.3% | — | — | |
| Q3 2015 | +5.7% | — | — | |
| Q2 2015 | -3.6% | — | — | |
| Q1 2015 | -0.7% | — | — | |
| Q4 2014 | +3.7% | — | — | |
| Q3 2014 | -3.3% | — | — | |
| Q2 2014 | +2.1% | — | — | |
| Q1 2014 | -1.5% | — | — | |
| Q4 2013 | +2.1% | — | — | |
| Q3 2013 | +2.9% | — | — | |
| Q2 2013 | +1.4% | — | — | |
| Q1 2013 | +0.9% | — | — | |
| Q4 2012 | +0.6% | — | — | |
| Q3 2012 | +1.2% | — | — | |
| Q2 2012 | -2.3% | — | — | |
| Q1 2012 | +2.0% | — | — | |
| Q4 2011 | -2.8% | — | — | |
| Q4 2009 | -2.8% | — | — | |
| Q4 2010 | -2.8% | — | — | |
| Q3 2011 | -3.8% | — | — | |
| Q2 2011 | -12.1% | — | — | |
| Q1 2010 | +3.9% | — | — | |
| Q1 2011 | +0.3% | — | — | |
| Q4 2008 | -0.2% | — | — | |
| Q3 2009 | -0.5% | — | — | |
| Q3 2010 | -0.5% | — | — | |
| Q2 2009 | -3.7% | — | — | |
| Q2 2010 | -3.7% | — | — |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro