F.N.B. Corporation Further Expands eStore® Common Application Capabilities with Introduction of Business Loan Products
Sentiment and the balance of points
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Rhea-AI Summary
F.N.B. Corporation (NYSE: FNB) added business loan products to its proprietary eStore® Common application, enabling clients to apply for consumer and business products through a single digital workflow. The move extends FNB's decade-long Clicks-to-Bricks strategy, leveraging AI and analytics to speed onboarding and deepen primary banking relationships.
Highlights include a 300% increase in online applications (Q4 2025 vs Q4 2024), online logins up 66% (Jan 2026 vs Jan 2025), operations across seven states plus Washington, D.C., and total assets above $50 billion.
Positive
- Business loan products added to the Common app
- Online application volume +300% Q4 2025 vs Q4 2024
- Online banking logins +66% Jan 2026 vs Jan 2025
- Total assets exceeded $50 billion
- Operations in seven states plus Washington, D.C.; top 20 by branches
Negative
- None.
Details
News Market Reaction – FNB
On Mar 10, the day this news came out, FNB closed 0.61% below the previous close.
Data tracked by StockTitan Argus for the Mar 10 session.
Key Figures
- Current share price
- $16.41
- Pre-news trading level from market_context
- Products in Common app
- More than 50 products and services
- Consumer and business products available via single application
- Online application growth
- More than 300 percent increase
- Q4 2025 vs Q4 2024 online application volume
- Online banking logins growth
- More than 66 percent increase
- January 2026 vs January 2025 logins
- Total assets
- More than $50 billion
- Company size after doubling over past decade
- Geographic footprint
- Seven states and Washington, D.C.
- Banking network coverage cited in article
- Branch ranking
- Top 20 retail bank
- Ranking by number of branches nationally
Historical Context
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Multiple national banking awards and TIME listing boosted perceived franchise strength.
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Board declared $0.12 quarterly cash dividend on common stock.
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Reported strong Q4 and record full-year 2025 earnings and revenue metrics.
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Announced timing and access details for Q4 2025 earnings call and webcast.
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Launched Payment Switch to streamline onboarding and recurring payment migration to FNB.
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
Key Terms
ach financial
ai technical
AI-generated analysis. How Rhea-AI works. Not financial advice.
Latest Enhancement Builds Upon Decade of Digital Transformation and Leadership Driven by Clicks-to-Bricks Strategy
By integrating business lending into its digital platform, FNB is strengthening its ability to serve as the primary bank for clients while building upon a strategy focused on leveraging data, technology and AI to increase the speed and quality of engagement.
Expansion of the Common App
FNB's Common app is a first-of-its-kind solution that enables clients to apply for more than 50 consumer and business products and services simultaneously through a single, streamlined digital application.
With the addition of business loan products, the full spectrum of a small business owner's personal and professional financial needs can be addressed, further accelerating how FNB engages businesses and deepens primary banking relationships. The enhancement reinforces FNB's position as a leader in digital innovation by making it faster and easier for businesses to acquire the full range of financial products needed to start, manage and grow their operations.
By leveraging AI-driven insights and advanced data analytics to minimize client keystrokes and significantly reduce application time, the Common app simplifies account onboarding, accelerates decision-making and assists customers with finding the solutions best suited to their unique needs.
Clicks-to-Bricks: A Decade of Digital Innovation
FNB's omnichannel Clicks-to-Bricks strategy integrates in-branch, online and mobile channels to deliver a consistently exceptional banking experience, no matter how or where clients choose to bank.
Building on Delie's long-term investments in digital growth, the Clicks-to-Bricks strategy has positioned FNB as an industry leader.
The strategy has been the foundation for numerous innovations in digital banking, including FNB's proprietary eStore and the Common app, as well as a retail-oriented website, comprehensive online banking platform and feature-rich mobile app.
"Our digital strategy is designed to drive client acquisition, primacy and engagement while it continues to fuel our growth and market share gains," said Delie. "Clicks-to-Bricks has transformed how we serve our clients by combining the convenience of digital banking with the personalized support of our bankers. Over the past decade, this strategy has solidified our position as an industry leader through innovative solutions like the eStore and Common app that empower clients to achieve their financial goals. The addition of business loan products is just the latest step in our continual efforts to increase the speed and quality with which we engage with clients."
eStore is an award-winning digital banking platform where clients can buy products, schedule appointments with bankers and access financial education resources. Seamless connectivity with the Company's physical locations ensures that digital technology enhances the convenience afforded by an optimized and continually expanding network of traditional ATMs, ATMs with TellerChat (ITMs) and modern concept branches that have continued to elevate in-person banking interactions.
Impact and Continued Innovation
As Clicks-to-Bricks has evolved, it has fueled growth and efficiency for FNB. Today, the Company spans seven states and
Highlights of the strategy's impact include:
- An increase of more than 300 percent in online application volume in Q4 2025 compared to Q4 2024, driven by enhancements to FNB's eStore and the addition of the expanded Common app to all branches.
- Online banking logins hit a record high in January 2026, up more than 66 percent from January 2025.
- FNB has more than doubled in size over the past decade, expanding total assets to more than
$50 billion - FNB's new headquarters opened as a symbol of the Clicks-to-Bricks strategy, creating a dedicated space for FNB to test its latest technology advances, including a new eStore prototype that unites eStore and ITM capabilities.
- FNB has received numerous prestigious global awards for its digital initiatives from organizations such as FinTech Futures and Celent.
- Delie has been selected as CEO of the Year –
USA by The Digital Banker, named CEO of the Year by The CEO Magazine, recognized with a Distinguished Leadership Award from the Committee for Economic Development and included among the top 50 CEOs across all industries in theU.S. by Brand Finance. These honors reflect the strength of FNB's ongoing leadership, vision and strategy.
FNB continues to enhance its digital platforms to remove friction at every stage of the eStore onboarding experience. Through the Common app, clients can easily open multiple accounts, while tools such as Payment Switch and Direct Deposit Switch enable them to move recurring ACH transactions and direct deposits to FNB in one seamless step. These innovations, coupled with an expanding physical presence, ensure that Clicks‑to‑Bricks delivers on its core promise: superior engagement, faster growth and stronger relationships with the households and businesses FNB serves.
Explore the Company's comprehensive digital solutions powered by the Clicks-to-Bricks strategy at fnb-online.com.
About F.N.B. Corporation
F.N.B. Corporation (NYSE: FNB), headquartered in
FNB provides a full range of commercial banking, consumer banking and wealth management solutions through its subsidiary network which is led by its largest affiliate, First National Bank of
The common stock of F.N.B. Corporation trades on the New York Stock Exchange under the symbol "FNB" and is included in Standard & Poor's MidCap 400 Index with the Global Industry Classification Standard (GICS) Regional Banks Sub-Industry Index. Customers, shareholders and investors can learn more about this regional financial institution by visiting the F.N.B. Corporation website at www.fnbcorporation.com.
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SOURCE F.N.B. Corporation
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