F.N.B. Corporation reported third quarter 2025 net income available to common shareholders of $149.5 million, compared to $130.7 million in the previous quarter and $110.1 million in the third quarter of 2024. Revenue for the quarter was $457 million. Pre-provision net revenue (non-GAAP) reached $213.9 million, up from $192.0 million in the second quarter of 2025 and $163.6 million in the third quarter of 2024. The company's book value per common share was $18.52 at the end of the quarter, compared to $18.17 at the end of the prior quarter and $17.38 at the end of the third quarter of 2024. The estimated Common Equity Tier 1 (CET1) regulatory capital ratio was 11%. Tangible book value per share (non-GAAP) increased 11% year-over-year, and the return on tangible common equity ratio (non-GAAP) was 15%. The company reported an efficiency ratio (non-GAAP) of 52%. Average diluted common shares outstanding for the quarter were 361,670,000.