F.N.B. (FNB) Financials

$13.82 -0.51 (-3.59%)

Closing price 03:59 PM Eastern

Extended Trading

$13.77 -0.04 (-0.33%)

As of 04:25 PM Eastern

Annual Income Statements for F.N.B.

This table shows F.N.B.'s income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	459	477	431	397	278	379	365	191	163	152
Consolidated Net Income / (Loss)	465	485	439	405	286	387	373	199	171	160
Net Income / (Loss) Continuing Operations	465	485	439	405	286	387	373	199	171	160
Total Pre-Tax Income	555	584	553	503	343	471	452	356	246	230
Total Revenue	1,596	1,571	1,443	1,237	1,216	1,211	1,208	1,098	813	661
Net Interest Income / (Expense)	1,280	1,317	1,120	907	922	917	932	846	612	498
Total Interest Income	2,252	1,973	1,285	1,005	1,130	1,247	1,170	980	679	547
Loans and Leases Interest Income	1,985	1,754	1,117	886	990	1,085	1,022	862	598	482
Investment Securities Interest Income	224	178	144	115	138	158	147	117	81	65
Other Interest Income	43	41	24	4.00	2.00	4.00	1.00	1.00	0.00	0.12
Total Interest Expense	972	656	165	98	208	330	238	134	67	49
Deposits Interest Expense	754	495	108	47	133	217	142	72	41	31
Short-Term Borrowings Interest Expense	99	78	25	27	38	80	75	44	12	7.08
Long-Term Debt Interest Expense	119	83	32	24	37	33	21	18	14	10
Total Non-Interest Income	316	254	323	330	294	294	276	252	201	162
Service Charges on Deposit Accounts	137	43	39	-	31	28	26	143	118	-
Other Service Charges	89	169	180	210	146	153	160	50	39	109
Net Realized & Unrealized Capital Gains on Investments	-34	-67	0.00	0.00	-17	0.00	0.00	6.00	1.00	0.82
Investment Banking Income	31	28	24	22	17	17	18	15	13	14
Other Non-Interest Income	93	81	80	61	117	96	72	38	30	18
Provision for Credit Losses	80	72	64	1.00	123	44	61	61	56	40
Total Non-Interest Expense	961	915	826	733	750	696	695	681	511	391
Salaries and Employee Benefits	504	462	426	418	406	375	370	327	240	202
Net Occupancy & Equipment Expense	177	161	144	128	137	121	115	103	78	66
Marketing Expense	21	17	16	14	13	13	-	-	-	8.40
Property & Liability Insurance Claims	41	61	20	18	20	23	33	33	19	13
Other Operating Expenses	218	214	220	141	161	150	161	143	126	90
Income Tax Expense	90	99	114	98	57	84	79	157	75	70
Preferred Stock Dividends Declared	6.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.00	8.04
Basic Earnings per Share	$1.27	$1.32	$1.23	$1.24	$0.86	$1.17	$1.13	$0.63	$0.79	$0.87
Weighted Average Basic Shares Outstanding	359.72M	358.95M	360.63M	353.10M	321.52M	325.02M	324.21M	302.20M	206.24M	174.97M
Diluted Earnings per Share	$1.27	$1.31	$1.22	$1.23	$0.85	$1.16	$1.12	$0.63	$0.78	$0.86
Weighted Average Diluted Shares Outstanding	359.72M	358.95M	360.63M	353.10M	321.52M	325.02M	324.21M	302.20M	206.24M	174.97M
Weighted Average Basic & Diluted Shares Outstanding	359.72M	358.95M	360.63M	353.10M	321.52M	325.02M	324.21M	302.20M	206.24M	174.97M
Cash Dividends to Common per Share	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48

This table shows F.N.B.'s income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	117	110	110	123	116	49	143	140	145	137	136
Consolidated Net Income / (Loss)	117	110	110	123	122	51	145	142	147	139	138
Net Income / (Loss) Continuing Operations	117	110	110	123	122	51	145	142	147	139	138
Total Pre-Tax Income	148	102	140	157	156	59	164	179	182	176	173
Total Revenue	411	373	412	404	407	338	407	410	416	415	380
Net Interest Income / (Expense)	323	322	323	316	319	325	326	329	337	335	297
Total Interest Income	559	569	583	557	543	532	513	484	444	408	343
Loans and Leases Interest Income	480	494	516	494	481	476	455	429	394	357	297
Investment Securities Interest Income	62	61	55	55	53	48	45	42	43	42	38
Other Interest Income	17	14	12	8.00	9.00	8.00	13	13	7.00	9.00	8.00
Total Interest Expense	236	247	260	241	224	207	187	155	107	73	46
Deposits Interest Expense	186	205	199	180	170	160	139	112	84	54	31
Short-Term Borrowings Interest Expense	14	9.00	30	32	28	23	23	22	10	8.00	6.00
Long-Term Debt Interest Expense	36	33	31	29	26	24	25	21	13	11	9.00
Total Non-Interest Income	88	51	89	88	88	13	81	81	79	80	83
Service Charges on Deposit Accounts	35	35	35	35	32	-51	33	30	31	-22	10
Other Service Charges	21	20	22	22	25	101	22	24	22	76	47
Investment Banking Income	9.00	7.00	8.00	8.00	8.00	7.00	7.00	7.00	7.00	6.00	6.00
Other Non-Interest Income	23	23	24	23	23	23	19	20	19	20	20
Provision for Credit Losses	17	23	23	20	14	14	25	19	14	28	12
Total Non-Interest Expense	246	248	249	227	237	265	218	212	220	211	195
Salaries and Employee Benefits	135	128	126	121	129	114	114	114	120	103	107
Net Occupancy & Equipment Expense	46	44	46	43	44	42	42	38	39	38	36
Marketing Expense	5.00	6.00	6.00	4.00	5.00	4.00	5.00	4.00	4.00	5.00	3.00
Property & Liability Insurance Claims	8.00	8.00	10	10	13	38	8.00	8.00	7.00	5.00	5.00
Other Operating Expenses	52	75	57	44	42	84	44	43	43	103	39
Income Tax Expense	31	-8.00	30	34	34	8.00	19	37	35	37	35
Preferred Stock Dividends Declared	0.00	-	0.00	0.00	6.00	2.00	2.00	2.00	2.00	2.00	2.00
Basic Earnings per Share	$0.32	$0.31	$0.30	$0.34	$0.32	$0.13	$0.40	$0.39	$0.40	$0.39	$0.39
Weighted Average Basic Shares Outstanding	359.81M	359.72M	359.59M	359.57M	359.75M	358.95M	358.83M	358.82M	361.07M	360.63M	350.78M
Diluted Earnings per Share	$0.32	$0.31	$0.30	$0.34	$0.32	$0.12	$0.40	$0.39	$0.40	$0.39	$0.38
Weighted Average Diluted Shares Outstanding	359.81M	359.72M	359.59M	359.57M	359.75M	358.95M	358.83M	358.82M	361.07M	360.63M	350.78M
Weighted Average Basic & Diluted Shares Outstanding	359.81M	359.72M	359.59M	359.57M	359.75M	358.95M	358.83M	358.82M	361.07M	360.63M	350.78M
Cash Dividends to Common per Share	$0.12	-	$0.12	$0.12	$0.12	-	$0.12	$0.12	$0.12	-	$0.12

This table details how cash moves in and out of F.N.B.'s business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	843	-98	-1,819	2,110	784	111	9.00	108	-118	202
Net Cash From Operating Activities	642	423	1,218	530	113	259	611	279	293	223
Net Cash From Continuing Operating Activities	642	423	1,218	530	113	259	611	279	293	223
Net Income / (Loss) Continuing Operations	465	485	439	405	286	387	373	199	171	160
Consolidated Net Income / (Loss)	465	485	439	405	286	387	373	199	171	160
Provision For Loan Losses	80	72	64	1.00	123	44	61	61	56	40
Depreciation Expense	67	78	73	10	-3.00	45	109	89	61	44
Non-Cash Adjustments to Reconcile Net Income	-3.00	6.00	164	-123	-127	15	61	44	0.00	-5.30
Changes in Operating Assets and Liabilities, net	33	-218	478	237	-166	-232	7.00	-114	5.00	-15
Net Cash From Investing Activities	-1,703	-2,261	-3,055	-153	-1,822	-1,131	-1,920	-1,529	-1,260	-1,143
Net Cash From Continuing Investing Activities	-1,703	-2,261	-3,055	-153	-1,822	-1,131	-1,920	-1,529	-1,260	-1,143
Purchase of Property, Leasehold Improvements and Equipment	-139	-88	-95	-58	-41	-46	-35	-57	-60	-9.72
Purchase of Investment Securities	-1,699	-1,198	-2,080	-3,131	-2,661	-1,158	-1,587	-3,478	-2,962	-1,946
Sale of Property, Leasehold Improvements and Equipment	-2,113	-	-	558	-2,604	-	-	-	-	-
Divestitures	0.00	0.00	188	0.00	0.00	-	-	-	-	-
Sale and/or Maturity of Investments	2,248	1,467	1,763	2,478	3,484	1,500	962	1,809	1,762	813
Net Cash From Financing Activities	1,904	1,740	18	1,733	2,493	983	1,318	1,358	849	1,121
Net Cash From Continuing Financing Activities	1,904	1,740	18	1,733	2,493	983	1,318	1,358	849	1,121
Net Change in Deposits	2,394	-62	258	2,604	4,337	1,334	1,059	1,163	814	1,093
Issuance of Debt	1,379	2,364	202	25	-1,084	41	487	534	298	142
Repayment of Debt	-1,590	-352	-231	-705	-574	-239	-77	-199	-173	-35
Repurchase of Preferred Equity	-111	0.00	0.00	-	-	-	-	-	-	-
Repurchase of Common Equity	-3.00	-36	-43	-43	-38	0.00	0.00	-	-	-
Payment of Dividends	-177	-182	-179	-164	-165	-165	-165	-151	-110	-93
Other Financing Activities, Net	12	8.00	11	16	17	12	14	-	2.00	0.03

This table details how cash moves in and out of F.N.B.'s business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	26	341	198	393	-89	-61	-67	-19	49	-602	247
Net Cash From Operating Activities	64	326	-14	85	245	-20	294	130	19	177	349
Net Cash From Continuing Operating Activities	64	326	-14	85	245	-21	295	130	19	177	349
Net Income / (Loss) Continuing Operations	117	110	110	123	122	51	145	142	147	139	138
Consolidated Net Income / (Loss)	117	110	110	123	122	51	145	142	147	139	138
Provision For Loan Losses	17	23	23	20	14	13	26	19	14	28	12
Depreciation Expense	18	18	17	18	14	17	19	21	21	19	19
Non-Cash Adjustments to Reconcile Net Income	29	27	-52	-30	52	29	-19	-13	9.00	13	13
Changes in Operating Assets and Liabilities, net	-117	148	-112	-46	43	-131	124	-39	-172	-22	167
Net Cash From Investing Activities	-335	-470	31	-1,340	76	-537	-771	-636	-317	-642	-825
Net Cash From Continuing Investing Activities	-335	-470	31	-1,340	76	-537	-771	-636	-317	-642	-825
Purchase of Property, Leasehold Improvements and Equipment	-21	-48	-32	-30	-29	-17	-11	-27	-33	-17	-28
Purchase of Investment Securities	-244	-648	-153	-342	-556	-832	-156	-135	-75	-316	-355
Sale of Property, Leasehold Improvements and Equipment	-300	-	-	-1,188	-261	-	-	-677	-415	-	-
Sale and/or Maturity of Investments	230	482	624	220	922	837	221	203	206	397	295
Net Cash From Financing Activities	297	485	181	1,648	-410	496	410	487	347	-137	723
Net Cash From Continuing Financing Activities	297	485	181	1,648	-410	496	410	487	347	-137	723
Net Change in Deposits	132	336	1,777	258	23	95	790	-366	-581	-79	413
Issuance of Debt	718	1,446	-1,448	1,652	-271	444	-319	951	1,288	-10	361
Repayment of Debt	-504	-1,255	-108	-216	-11	-1.00	-19	-26	-306	-8.00	-9.00
Repurchase of Preferred Equity	0.00	-	-	-	-111	-	-	-	0.00	-	-
Repurchase of Common Equity	-10	-	-	-3.00	0.00	1.00	-	-25	-12	-	-
Payment of Dividends	-44	-44	-44	-43	-46	-46	-45	-45	-46	-44	-45
Other Financing Activities, Net	5.00	2.00	4.00	-	6.00	3.00	3.00	-2.00	4.00	4.00	3.00

This table presents F.N.B.'s assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	48,625	46,158	43,725	39,513	37,354	34,615	33,102	31,418	21,845	17,558
Cash and Due from Banks	416	447	443	337	369	407	451	408	304	207
Interest Bearing Deposits at Other Banks	2,003	1,129	1,231	3,156	1,014	192	37	71	68	282
Trading Account Securities	7,445	7,165	7,362	3,426	6,331	6,564	6,617	6,100	4,581	3,268
Loans and Leases, Net of Allowance	33,516	31,917	29,853	24,624	25,096	23,093	21,973	20,824	14,739	12,048
Loans and Leases	33,939	32,323	30,255	24,968	25,459	23,289	22,153	20,999	14,897	12,190
Allowance for Loan and Lease Losses	423	406	402	344	363	196	180	175	158	142
Premises and Equipment, Net	536	461	432	345	332	333	330	337	244	159
Goodwill	2,478	2,477	2,477	2,262	2,262	2,262	2,255	2,249	1,032	833
Intangible Assets	51	69	89	42	54	67	79	92	54	46
Other Assets	1,962	2,005	1,714	29,650	1,742	1,646	1,360	1,337	823	710
Total Liabilities & Shareholders' Equity	48,625	46,158	43,725	39,513	37,354	34,615	33,102	31,418	21,845	17,558
Total Liabilities	42,323	40,108	38,072	34,363	32,395	29,732	28,494	27,009	19,273	15,461
Non-Interest Bearing Deposits	9,761	10,222	11,916	10,789	9,042	6,384	6,000	5,720	4,205	3,060
Interest Bearing Deposits	27,346	24,489	22,854	20,937	20,080	18,402	17,455	16,680	11,860	9,564
Short-Term Debt	1,256	2,506	1,372	1,536	1,804	3,216	4,129	3,679	2,503	2,049
Long-Term Debt	3,012	1,971	1,093	682	1,095	1,340	627	668	539	641
Other Long-Term Liabilities	948	920	837	419	374	390	283	262	165	148
Total Equity & Noncontrolling Interests	6,302	6,050	5,653	5,150	4,959	4,883	4,608	4,409	2,572	2,096
Total Preferred & Common Equity	6,302	6,050	5,653	5,150	4,959	4,883	4,608	4,409	2,572	2,096
Preferred Stock	0.00	107	107	107	107	107	107	107	107	107
Total Common Equity	6,302	5,943	5,546	5,043	4,852	4,776	4,501	4,302	2,465	1,989
Common Stock	4,699	4,696	4,700	4,112	4,090	4,070	4,052	4,036	2,236	1,810
Retained Earnings	1,952	1,669	1,370	1,110	869	798	576	368	304	243
Treasury Stock	-180	-187	-167	-117	-68	-27	-21	-19	-15	-13
Accumulated Other Comprehensive Income / (Loss)	-169	-235	-357	-62	-39	-65	-106	-83	-61	-51

This table presents F.N.B.'s assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	49,020	47,976	47,715	45,896	45,496	44,778	44,146	42,590
Cash and Due from Banks	524	596	448	351	409	449	445	458
Interest Bearing Deposits at Other Banks	1,921	1,482	1,432	1,136	1,228	1,255	1,278	1,818
Trading Account Securities	7,506	7,314	7,257	7,119	7,067	7,165	3,201	7,212
Loans and Leases, Net of Allowance	33,806	33,297	33,338	32,178	31,750	30,941	30,270	28,395
Loans and Leases	34,235	33,717	33,757	32,584	32,151	31,354	30,673	28,780
Allowance for Loan and Lease Losses	429	420	419	406	401	413	403	385
Premises and Equipment, Net	539	505	489	474	460	465	452	421
Goodwill	2,478	2,478	2,477	2,477	2,477	2,477	2,477	2,435
Intangible Assets	48	56	60	65	74	79	84	52
Other Assets	2,008	2,055	2,082	1,989	1,921	1,853	36,109	1,650
Total Liabilities & Shareholders' Equity	49,020	47,976	47,715	45,896	45,496	44,778	44,146	42,590
Total Liabilities	42,602	41,727	41,625	39,890	39,602	38,960	38,358	37,184
Non-Interest Bearing Deposits	9,867	9,870	10,062	9,982	10,704	10,914	11,297	11,752
Interest Bearing Deposits	27,372	26,901	24,932	24,753	23,911	22,911	22,893	22,141
Short-Term Debt	1,969	1,562	3,616	2,074	2,066	2,391	2,149	1,395
Long-Term Debt	2,514	2,515	2,016	2,121	1,968	1,981	1,298	1,059
Other Long-Term Liabilities	880	879	999	960	953	763	721	837
Total Equity & Noncontrolling Interests	6,418	6,249	6,090	6,006	5,894	5,818	5,788	5,406
Total Preferred & Common Equity	6,418	6,249	6,090	6,006	5,894	5,818	5,788	5,406
Total Common Equity	6,418	6,249	6,090	6,006	5,787	5,711	5,681	5,299
Common Stock	4,700	4,697	4,694	4,698	4,693	4,690	4,697	4,569
Retained Earnings	2,025	1,886	1,820	1,740	1,664	1,564	1,471	1,275
Treasury Stock	-186	-180	-181	-182	-188	-188	-172	-167
Accumulated Other Comprehensive Income / (Loss)	-121	-154	-243	-250	-382	-355	-315	-378

This table displays calculated financial ratios and metrics derived from F.N.B.'s official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	1.59%	8.87%	16.65%	1.73%	0.41%	0.25%	10.02%	35.06%	23.06%	5.77%
EBITDA Growth	-6.04%	5.78%	22.03%	50.88%	-34.11%	-8.02%	26.07%	44.95%	12.21%	10.86%
EBIT Growth	-4.96%	5.64%	9.94%	46.65%	-27.18%	4.20%	26.97%	44.72%	7.12%	11.12%
NOPAT Growth	-4.12%	10.48%	8.40%	41.61%	-26.10%	3.75%	87.44%	16.37%	7.11%	10.83%
Net Income Growth	-4.12%	10.48%	8.40%	41.61%	-26.10%	3.75%	87.44%	16.37%	7.11%	10.83%
EPS Growth	-3.05%	7.38%	-0.81%	44.71%	-26.72%	3.57%	77.78%	-19.23%	-9.30%	7.50%
Operating Cash Flow Growth	51.77%	-65.27%	129.81%	369.03%	-56.37%	-57.61%	119.00%	-4.78%	31.11%	-49.98%
Free Cash Flow Firm Growth	121.93%	-518.65%	-134.75%	-52.06%	498.40%	232.77%	92.01%	-348.22%	-2,837.38%	98.18%
Invested Capital Growth	0.41%	29.67%	10.18%	-6.24%	-16.75%	0.80%	6.94%	55.96%	17.29%	3.95%
Revenue Q/Q Growth	2.24%	-4.67%	8.41%	0.08%	0.16%	0.00%	0.48%	8.30%	5.12%	1.12%
EBITDA Q/Q Growth	7.78%	-15.27%	10.80%	12.50%	-13.04%	-2.64%	0.31%	12.92%	7.09%	0.57%
EBIT Q/Q Growth	8.59%	-16.72%	10.60%	8.17%	-8.29%	0.21%	0.75%	12.02%	7.38%	0.05%
NOPAT Q/Q Growth	14.53%	-15.36%	10.03%	7.14%	-7.44%	-1.28%	25.62%	-12.13%	7.74%	-0.11%
Net Income Q/Q Growth	14.53%	-15.36%	10.03%	7.14%	-7.44%	-1.28%	25.62%	-12.13%	7.74%	-0.11%
EPS Q/Q Growth	17.59%	-17.09%	7.96%	7.89%	-7.61%	-1.69%	23.08%	-18.18%	4.00%	0.00%
Operating Cash Flow Q/Q Growth	116.89%	-31.77%	2.61%	-8.30%	175.61%	12.12%	-8.90%	22.15%	28.23%	-11.74%
Free Cash Flow Firm Q/Q Growth	5,175.00%	-28.70%	-461.63%	-16.98%	36.68%	486.58%	-154.32%	12.06%	49.91%	-105.84%
Invested Capital Q/Q Growth	2.36%	6.03%	3.28%	-2.37%	-4.72%	1.45%	6.03%	-2.35%	4.08%	21.96%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	38.99%	42.15%	43.38%	41.47%	27.96%	42.61%	46.44%	40.53%	37.76%	41.41%
EBIT Margin	34.79%	37.19%	38.32%	40.66%	28.21%	38.89%	37.42%	32.42%	30.26%	34.76%
Profit (Net Income) Margin	29.14%	30.87%	30.42%	32.74%	23.52%	31.96%	30.88%	18.12%	21.03%	24.17%
Tax Burden Percent	83.78%	83.05%	79.39%	80.52%	83.38%	82.17%	82.52%	55.90%	69.51%	69.52%
Interest Burden Percent	99.96%	99.97%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	16.22%	16.95%	20.61%	19.48%	16.62%	17.83%	17.48%	44.10%	30.49%	30.48%
Return on Invested Capital (ROIC)	4.41%	5.20%	5.67%	5.32%	3.31%	4.12%	4.12%	2.77%	3.29%	3.40%
ROIC Less NNEP Spread (ROIC-NNEP)	4.41%	5.20%	5.67%	5.32%	3.31%	4.12%	4.12%	2.77%	3.29%	3.40%
Return on Net Nonoperating Assets (RNNOA)	3.12%	3.09%	2.46%	2.69%	2.50%	4.04%	4.16%	2.93%	4.04%	4.35%
Return on Equity (ROE)	7.53%	8.29%	8.13%	8.01%	5.81%	8.16%	8.27%	5.70%	7.33%	7.75%
Cash Return on Invested Capital (CROIC)	4.00%	-20.64%	-4.02%	11.76%	21.59%	3.32%	-2.59%	-40.96%	-12.63%	-0.48%
Operating Return on Assets (OROA)	1.17%	1.30%	1.33%	1.31%	0.95%	1.39%	1.40%	1.34%	1.25%	1.36%
Return on Assets (ROA)	0.98%	1.08%	1.05%	1.05%	0.79%	1.14%	1.16%	0.75%	0.87%	0.95%
Return on Common Equity (ROCE)	7.46%	8.14%	7.97%	7.84%	5.69%	7.97%	8.08%	5.53%	6.99%	7.35%
Return on Equity Simple (ROE_SIMPLE)	7.38%	8.02%	7.77%	7.86%	5.77%	7.93%	8.09%	4.51%	6.65%	7.62%
Net Operating Profit after Tax (NOPAT)	465	485	439	405	286	387	373	199	171	160
NOPAT Margin	29.14%	30.87%	30.42%	32.74%	23.52%	31.96%	30.88%	18.12%	21.03%	24.17%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	43.99%	40.74%	40.61%	45.27%	45.72%	42.03%	40.15%	39.16%	39.11%	41.78%
Operating Expenses to Revenue	60.21%	58.24%	57.24%	59.26%	61.68%	57.47%	57.53%	62.02%	62.85%	59.12%
Earnings before Interest and Taxes (EBIT)	555	584	553	503	343	471	452	356	246	230
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	622	662	626	513	340	516	561	445	307	274
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.84	0.80	0.77	0.70	0.55	0.71	0.56	0.79	0.98	0.81
Price to Tangible Book Value (P/TBV)	1.41	1.41	1.43	1.28	1.06	1.39	1.17	1.74	1.75	1.45
Price to Revenue (P/Rev)	3.33	3.04	2.95	2.84	2.20	2.81	2.09	3.11	2.96	2.44
Price to Earnings (P/E)	11.58	10.02	9.88	8.86	9.64	8.99	6.93	17.87	14.78	10.62
Dividend Yield	3.25%	3.60%	3.96%	4.35%	5.78%	4.58%	6.16%	8.84%	4.19%	5.23%
Earnings Yield	8.64%	9.98%	10.12%	11.29%	10.38%	11.13%	14.44%	5.60%	6.77%	9.41%
Enterprise Value to Invested Capital (EV/IC)	0.68	0.74	0.64	0.32	0.55	0.79	0.74	0.84	0.92	0.82
Enterprise Value to Revenue (EV/Rev)	4.49	4.96	3.57	1.90	3.54	6.17	5.71	6.73	6.38	5.93
Enterprise Value to EBITDA (EV/EBITDA)	11.51	11.76	8.24	4.58	12.65	14.48	12.30	16.60	16.90	14.32
Enterprise Value to EBIT (EV/EBIT)	12.90	13.33	9.32	4.67	12.54	15.86	15.27	20.75	21.08	17.07
Enterprise Value to NOPAT (EV/NOPAT)	15.41	16.06	11.74	5.80	15.04	19.30	18.51	37.13	30.33	24.55
Enterprise Value to Operating Cash Flow (EV/OCF)	11.16	18.41	4.23	4.43	38.07	28.84	11.30	26.48	17.70	17.54
Enterprise Value to Free Cash Flow (EV/FCFF)	16.98	0.00	0.00	2.62	2.30	23.94	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.68	0.74	0.44	0.43	0.58	0.93	1.03	0.99	1.18	1.28
Long-Term Debt to Equity	0.48	0.33	0.19	0.13	0.22	0.27	0.14	0.15	0.21	0.31
Financial Leverage	0.71	0.59	0.43	0.51	0.76	0.98	1.01	1.06	1.23	1.28
Leverage Ratio	7.67	7.68	7.71	7.60	7.31	7.13	7.16	7.63	8.44	8.18
Compound Leverage Factor	7.67	7.68	7.71	7.60	7.31	7.13	7.16	7.63	8.44	8.18
Debt to Total Capital	40.38%	42.53%	30.36%	30.10%	36.89%	48.27%	50.79%	49.65%	54.19%	56.21%
Short-Term Debt to Total Capital	11.88%	23.81%	16.90%	20.85%	22.96%	34.07%	44.09%	42.02%	44.58%	42.81%
Long-Term Debt to Total Capital	28.50%	18.72%	13.46%	9.26%	13.93%	14.20%	6.70%	7.63%	9.61%	13.40%
Preferred Equity to Total Capital	0.00%	1.02%	1.32%	1.45%	1.36%	1.13%	1.14%	1.22%	1.90%	2.23%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	59.62%	56.45%	68.32%	68.44%	61.75%	50.60%	48.07%	49.13%	43.90%	41.56%
Debt to EBITDA	6.86	6.76	3.94	4.32	8.53	8.83	8.48	9.77	9.91	9.83
Net Debt to EBITDA	2.97	4.38	1.26	-2.49	4.46	7.67	7.61	8.69	8.70	8.05
Long-Term Debt to EBITDA	4.84	2.98	1.75	1.33	3.22	2.60	1.12	1.50	1.76	2.34
Debt to NOPAT	9.18	9.23	5.62	5.48	10.14	11.77	12.75	21.84	17.79	16.85
Net Debt to NOPAT	3.98	5.98	1.80	-3.15	5.30	10.22	11.44	19.44	15.62	13.79
Long-Term Debt to NOPAT	6.48	4.06	2.49	1.68	3.83	3.46	1.68	3.36	3.15	4.02
Noncontrolling Interest Sharing Ratio	0.87%	1.83%	1.98%	2.12%	2.17%	2.25%	2.37%	3.06%	4.58%	5.19%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	422	-1,924	-311	895	1,867	312	-235	-2,943	-657	-22
Operating Cash Flow to CapEx	28.51%	480.68%	1,282.11%	0.00%	4.27%	563.04%	1,745.71%	489.47%	488.33%	2,298.47%
Free Cash Flow to Firm to Interest Expense	0.43	-2.93	-1.88	9.13	8.98	0.95	-0.99	-21.96	-9.80	-0.46
Operating Cash Flow to Interest Expense	0.66	0.64	7.38	5.41	0.54	0.78	2.57	2.08	4.37	4.60
Operating Cash Flow Less CapEx to Interest Expense	-1.66	0.51	6.81	10.51	-12.17	0.65	2.42	1.66	3.48	4.40
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.04	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	3.20	3.52	3.71	3.65	3.66	3.65	3.62	3.78	4.03	4.03
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	10,570	10,527	8,118	7,368	7,858	9,439	9,364	8,756	5,614	4,787
Invested Capital Turnover	0.15	0.17	0.19	0.16	0.14	0.13	0.13	0.15	0.16	0.14
Increase / (Decrease) in Invested Capital	43	2,409	750	-490	-1,581	75	608	3,142	828	182
Enterprise Value (EV)	7,164	7,788	5,155	2,349	4,302	7,471	6,903	7,388	5,187	3,919
Market Capitalization	5,315	4,780	4,257	3,517	2,679	3,407	2,528	3,413	2,409	1,611
Book Value per Share	$17.53	$16.56	$15.81	$15.81	$15.04	$14.70	$13.88	$13.31	$11.71	$11.34
Tangible Book Value per Share	$10.49	$9.47	$8.50	$8.59	$7.86	$7.53	$6.68	$6.07	$6.55	$6.33
Total Capital	10,570	10,527	8,118	7,368	7,858	9,439	9,364	8,756	5,614	4,787
Total Debt	4,268	4,477	2,465	2,218	2,899	4,556	4,756	4,347	3,043	2,690
Total Long-Term Debt	3,012	1,971	1,093	682	1,095	1,340	627	668	539	641
Net Debt	1,849	2,901	791	-1,275	1,516	3,957	4,268	3,868	2,671	2,201
Capital Expenditures (CapEx)	2,252	88	95	-500	2,645	46	35	57	60	9.72
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	4,268	4,477	2,465	2,218	2,899	4,556	4,756	4,347	3,043	2,690
Total Depreciation and Amortization (D&A)	67	78	73	10	-3.00	45	109	89	61	44
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.27	$1.32	$1.23	$1.24	$0.86	$1.17	$1.13	$0.63	$0.79	$0.87
Adjusted Weighted Average Basic Shares Outstanding	359.72M	358.95M	360.63M	353.10M	321.52M	325.02M	324.49M	323.52M	211.10M	209.45M
Adjusted Diluted Earnings per Share	$1.27	$1.31	$1.22	$1.23	$0.85	$1.16	$1.12	$0.63	$0.78	$0.86
Adjusted Weighted Average Diluted Shares Outstanding	359.72M	358.95M	360.63M	353.10M	321.52M	325.02M	324.49M	323.52M	211.10M	209.45M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	359.72M	358.95M	360.63M	353.10M	321.52M	325.02M	324.49M	323.52M	211.10M	209.45M
Normalized Net Operating Profit after Tax (NOPAT)	465	485	439	407	286	387	373	231	197	162
Normalized NOPAT Margin	29.14%	30.87%	30.42%	32.87%	23.52%	31.96%	30.88%	21.03%	24.20%	24.49%
Pre Tax Income Margin	34.77%	37.17%	38.32%	40.66%	28.21%	38.89%	37.42%	32.42%	30.26%	34.76%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.57	0.89	3.35	5.13	1.65	1.43	1.90	2.66	3.67	4.73
NOPAT to Interest Expense	0.48	0.74	2.66	4.13	1.38	1.17	1.57	1.49	2.55	3.29
EBIT Less CapEx to Interest Expense	-1.75	0.76	2.78	10.23	-11.07	1.29	1.75	2.23	2.78	4.53
NOPAT Less CapEx to Interest Expense	-1.84	0.61	2.08	9.23	-11.34	1.03	1.42	1.06	1.66	3.09
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	38.06%	37.53%	40.77%	40.49%	57.69%	42.64%	44.24%	75.88%	64.33%	57.97%
Augmented Payout Ratio	38.71%	44.95%	50.57%	51.11%	70.98%	42.64%	44.24%	75.88%	64.33%	57.97%

This table displays calculated financial ratios and metrics derived from F.N.B.'s official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.98%	10.36%	1.23%	-1.46%	-2.16%	-18.55%	7.11%	22.02%	33.33%	36.96%	18.75%
EBITDA Growth	-2.35%	59.05%	-14.21%	-12.82%	-16.26%	-61.18%	-4.69%	27.71%	147.56%	45.52%	42.22%
EBIT Growth	-5.13%	74.45%	-14.63%	-12.65%	-14.29%	-66.65%	-5.20%	31.02%	171.64%	43.09%	25.36%
NOPAT Growth	-4.10%	115.69%	-24.14%	-13.38%	-17.01%	-63.31%	5.07%	30.28%	177.36%	40.40%	24.32%
Net Income Growth	-4.10%	115.69%	-24.14%	-13.38%	-17.01%	-63.31%	5.07%	30.28%	177.36%	40.40%	24.32%
EPS Growth	0.00%	158.33%	-25.00%	-12.82%	-20.00%	-69.23%	5.26%	30.00%	166.67%	30.00%	11.76%
Operating Cash Flow Growth	-73.88%	1,730.00%	-104.76%	-34.62%	1,189.47%	-111.30%	-15.76%	-61.08%	-94.69%	21.23%	315.48%
Free Cash Flow Firm Growth	30.92%	102.84%	85.02%	43.84%	44.14%	-285.92%	-998.86%	-1,830.34%	-762.72%	-203.74%	-121.58%
Invested Capital Growth	6.86%	0.41%	4.01%	15.03%	10.46%	29.67%	26.31%	35.16%	21.88%	10.18%	4.15%
Revenue Q/Q Growth	10.19%	-9.47%	1.98%	-0.74%	20.41%	-16.95%	-0.73%	-1.44%	0.24%	9.21%	13.10%
EBITDA Q/Q Growth	37.87%	-23.31%	-10.18%	2.82%	125.17%	-58.63%	-8.73%	-1.23%	4.10%	1.56%	22.29%
EBIT Q/Q Growth	44.53%	-26.86%	-10.71%	0.51%	166.67%	-64.21%	-8.64%	-1.37%	3.41%	1.73%	26.28%
NOPAT Q/Q Growth	6.36%	0.00%	-10.57%	0.82%	139.22%	-64.83%	2.11%	-3.40%	5.76%	0.72%	26.61%
Net Income Q/Q Growth	6.36%	0.00%	-10.57%	0.82%	139.22%	-64.83%	2.11%	-3.40%	5.76%	0.72%	26.61%
EPS Q/Q Growth	3.23%	3.33%	-11.76%	6.25%	166.67%	-70.00%	2.56%	-2.50%	2.56%	2.63%	26.67%
Operating Cash Flow Q/Q Growth	-80.37%	2,428.57%	-116.47%	-65.31%	1,325.00%	-106.80%	126.15%	584.21%	-89.27%	-49.28%	4.49%
Free Cash Flow Firm Q/Q Growth	-970.15%	123.26%	79.56%	-66.94%	64.21%	-22.62%	23.36%	-66.05%	-147.30%	-249.14%	-220.69%
Invested Capital Q/Q Growth	3.13%	2.36%	-11.91%	14.91%	-3.10%	6.03%	-2.57%	10.34%	13.76%	3.28%	4.26%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	40.39%	32.28%	38.11%	43.27%	41.77%	22.40%	44.96%	48.90%	48.80%	46.99%	50.53%
EBIT Margin	36.01%	27.45%	33.98%	38.81%	38.33%	17.37%	40.29%	43.78%	43.75%	42.41%	45.53%
Profit (Net Income) Margin	28.47%	29.49%	26.70%	30.45%	29.98%	15.09%	35.63%	34.63%	35.34%	33.49%	36.32%
Tax Burden Percent	79.05%	107.84%	78.57%	78.34%	78.21%	86.44%	88.41%	79.33%	80.77%	78.98%	79.77%
Interest Burden Percent	100.00%	99.61%	100.00%	100.13%	100.00%	100.51%	100.00%	99.72%	100.00%	100.00%	100.00%
Effective Tax Rate	20.95%	-7.84%	21.43%	21.66%	21.79%	13.56%	11.59%	20.67%	19.23%	21.02%	20.23%
Return on Invested Capital (ROIC)	4.32%	4.46%	4.12%	4.32%	4.82%	2.54%	6.60%	6.33%	6.50%	6.24%	6.27%
ROIC Less NNEP Spread (ROIC-NNEP)	4.32%	4.46%	4.12%	4.32%	4.82%	2.54%	6.60%	6.33%	6.50%	6.24%	6.27%
Return on Net Nonoperating Assets (RNNOA)	3.02%	3.16%	2.75%	3.63%	3.12%	1.51%	3.79%	3.64%	3.24%	2.71%	2.93%
Return on Equity (ROE)	7.33%	7.62%	6.86%	7.96%	7.94%	4.05%	10.39%	9.98%	9.74%	8.95%	9.20%
Cash Return on Invested Capital (CROIC)	-2.27%	4.00%	0.08%	-9.96%	-5.21%	-20.64%	-16.81%	-23.52%	-13.38%	-4.02%	1.12%
Operating Return on Assets (OROA)	1.21%	0.92%	1.14%	1.31%	1.33%	0.61%	1.51%	1.64%	1.57%	1.47%	1.48%
Return on Assets (ROA)	0.96%	0.99%	0.89%	1.02%	1.04%	0.53%	1.33%	1.30%	1.27%	1.16%	1.18%
Return on Common Equity (ROCE)	7.33%	7.55%	6.80%	7.89%	7.87%	3.98%	10.19%	9.79%	9.55%	8.77%	9.02%
Return on Equity Simple (ROE_SIMPLE)	7.17%	0.00%	6.50%	7.24%	7.66%	0.00%	9.72%	9.73%	9.21%	0.00%	7.38%
Net Operating Profit after Tax (NOPAT)	117	110	110	123	122	51	145	142	147	139	138
NOPAT Margin	28.47%	29.49%	26.70%	30.45%	29.98%	15.09%	35.63%	34.63%	35.34%	33.49%	36.32%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	45.26%	47.72%	43.20%	41.58%	43.73%	47.34%	39.56%	38.05%	39.18%	35.18%	38.42%
Operating Expenses to Revenue	59.85%	66.49%	60.44%	56.19%	58.23%	78.40%	53.56%	51.71%	52.88%	50.84%	51.32%
Earnings before Interest and Taxes (EBIT)	148	102	140	157	156	59	164	180	182	176	173
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	166	120	157	175	170	76	183	201	203	195	192
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.75	0.84	0.81	0.81	0.83	0.80	0.65	0.70	0.70	0.77	0.72
Price to Tangible Book Value (P/TBV)	1.24	1.41	1.37	1.39	1.45	1.41	1.15	1.26	1.28	1.43	1.35
Price to Revenue (P/Rev)	3.02	3.33	3.25	3.16	3.21	3.04	2.27	2.45	2.58	2.95	2.86
Price to Earnings (P/E)	10.52	11.58	12.75	11.42	11.19	10.02	6.61	7.13	7.59	9.88	20.93
Dividend Yield	3.57%	3.25%	3.40%	3.51%	3.44%	3.60%	4.61%	4.36%	4.35%	3.96%	4.42%
Earnings Yield	9.51%	8.64%	7.84%	8.76%	8.93%	9.98%	15.13%	14.03%	13.18%	10.12%	4.78%
Enterprise Value to Invested Capital (EV/IC)	0.63	0.68	0.68	0.74	0.76	0.74	0.63	0.66	0.63	0.64	0.52
Enterprise Value to Revenue (EV/Rev)	4.30	4.49	4.53	5.57	4.94	4.96	3.79	4.17	3.76	3.57	3.08
Enterprise Value to EBITDA (EV/EBITDA)	11.12	11.51	12.25	14.38	12.28	11.76	7.98	8.54	7.78	8.24	7.25
Enterprise Value to EBIT (EV/EBIT)	12.57	12.90	13.83	16.20	13.84	13.33	8.89	9.50	8.70	9.32	8.19
Enterprise Value to NOPAT (EV/NOPAT)	14.95	15.41	17.42	19.67	16.79	16.06	10.89	11.93	10.91	11.74	10.26
Enterprise Value to Operating Cash Flow (EV/OCF)	14.92	11.16	23.89	14.36	11.90	18.41	10.06	10.00	6.61	4.23	3.45
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	16.98	884.07	0.00	0.00	0.00	0.00	0.00	0.00	0.00	47.60
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.70	0.68	0.65	0.92	0.70	0.74	0.68	0.75	0.60	0.44	0.45
Long-Term Debt to Equity	0.39	0.48	0.40	0.33	0.35	0.33	0.33	0.34	0.22	0.19	0.20
Financial Leverage	0.70	0.71	0.67	0.84	0.65	0.59	0.57	0.58	0.50	0.43	0.47
Leverage Ratio	7.64	7.67	7.70	7.77	7.63	7.68	7.80	7.68	7.68	7.71	7.80
Compound Leverage Factor	7.64	7.64	7.70	7.78	7.63	7.72	7.80	7.66	7.68	7.71	7.80
Debt to Total Capital	41.12%	40.38%	39.48%	48.05%	41.12%	42.53%	40.63%	42.90%	37.33%	30.36%	31.22%
Short-Term Debt to Total Capital	18.06%	11.88%	15.13%	30.85%	20.33%	23.81%	20.81%	23.46%	23.27%	16.90%	17.75%
Long-Term Debt to Total Capital	23.06%	28.50%	24.36%	17.20%	20.79%	18.72%	19.82%	19.44%	14.06%	13.46%	13.47%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	1.02%	1.08%	1.05%	1.16%	1.32%	1.36%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	58.88%	59.62%	60.52%	51.95%	58.88%	56.45%	58.29%	56.05%	61.52%	68.32%	67.42%
Debt to EBITDA	7.25	6.86	7.06	9.34	6.67	6.76	5.16	5.53	4.61	3.94	4.34
Net Debt to EBITDA	3.30	2.97	3.46	6.22	4.31	4.38	3.07	3.38	2.31	1.26	0.32
Long-Term Debt to EBITDA	4.07	4.84	4.36	3.34	3.37	2.98	2.52	2.51	1.74	1.75	1.87
Debt to NOPAT	9.75	9.18	10.04	12.77	9.12	9.23	7.04	7.72	6.47	5.62	6.15
Net Debt to NOPAT	4.43	3.98	4.92	8.51	5.89	5.98	4.18	4.71	3.23	1.80	0.45
Long-Term Debt to NOPAT	5.47	6.48	6.19	4.57	4.61	4.06	3.43	3.50	2.44	2.49	2.65
Noncontrolling Interest Sharing Ratio	0.00%	0.87%	0.88%	0.90%	0.91%	1.83%	1.89%	1.90%	1.91%	1.98%	2.04%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-583	67	-288	-1,409	-844	-2,358	-1,923	-2,509	-1,511	-611	-175
Operating Cash Flow to CapEx	19.94%	679.17%	-43.75%	6.98%	84.48%	-117.65%	2,672.73%	18.47%	4.24%	1,041.18%	1,246.43%
Free Cash Flow to Firm to Interest Expense	-2.47	0.27	-1.11	-5.85	-3.77	-11.39	-10.28	-16.19	-14.12	-8.37	-3.80
Operating Cash Flow to Interest Expense	0.27	1.32	-0.05	0.35	1.09	-0.10	1.57	0.84	0.18	2.42	7.59
Operating Cash Flow Less CapEx to Interest Expense	-1.09	1.13	-0.18	-4.70	-0.20	-0.18	1.51	-3.70	-4.01	2.19	6.98
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.03	0.03
Fixed Asset Turnover	3.16	3.20	3.24	3.26	3.37	3.52	3.74	3.73	3.66	3.71	3.49
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	10,901	10,570	10,326	11,722	10,201	10,527	9,928	10,190	9,235	8,118	7,860
Invested Capital Turnover	0.15	0.15	0.15	0.14	0.16	0.17	0.19	0.18	0.18	0.19	0.17
Increase / (Decrease) in Invested Capital	700	43	398	1,532	966	2,409	2,068	2,651	1,658	750	313
Enterprise Value (EV)	6,876	7,164	7,073	8,673	7,722	7,788	6,239	6,752	5,814	5,155	4,094
Market Capitalization	4,838	5,315	5,074	4,921	5,014	4,780	3,735	3,977	3,983	4,257	3,809
Book Value per Share	$17.84	$17.53	$17.38	$16.93	$16.69	$16.56	$16.13	$15.82	$15.75	$15.81	$15.11
Tangible Book Value per Share	$10.82	$10.49	$10.33	$9.88	$9.63	$9.47	$9.02	$8.74	$8.65	$8.50	$8.02
Total Capital	10,901	10,570	10,326	11,722	10,201	10,527	9,928	10,190	9,235	8,118	7,860
Total Debt	4,483	4,268	4,077	5,632	4,195	4,477	4,034	4,372	3,447	2,465	2,454
Total Long-Term Debt	2,514	3,012	2,515	2,016	2,121	1,971	1,968	1,981	1,298	1,093	1,059
Net Debt	2,038	1,849	1,999	3,752	2,708	2,901	2,397	2,668	1,724	791	178
Capital Expenditures (CapEx)	321	48	32	1,218	290	17	11	704	448	17	28
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	4,483	4,268	4,077	5,632	4,195	4,477	4,034	4,372	3,447	2,465	2,454
Total Depreciation and Amortization (D&A)	18	18	17	18	14	17	19	21	21	19	19
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.32	$0.31	$0.30	$0.34	$0.32	$0.13	$0.40	$0.39	$0.40	$0.39	$0.39
Adjusted Weighted Average Basic Shares Outstanding	359.81M	359.72M	359.59M	359.57M	359.75M	358.95M	358.83M	358.82M	361.07M	360.63M	350.78M
Adjusted Diluted Earnings per Share	$0.32	$0.31	$0.30	$0.34	$0.32	$0.12	$0.40	$0.39	$0.40	$0.39	$0.38
Adjusted Weighted Average Diluted Shares Outstanding	359.81M	359.72M	359.59M	359.57M	359.75M	358.95M	358.83M	358.82M	361.07M	360.63M	350.78M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	359.81M	359.72M	359.59M	359.57M	359.75M	358.95M	358.83M	358.82M	361.07M	360.63M	350.78M
Normalized Net Operating Profit after Tax (NOPAT)	117	71	110	123	122	51	145	142	149	139	140
Normalized NOPAT Margin	28.47%	19.14%	26.70%	30.45%	29.98%	15.09%	35.63%	34.63%	35.72%	33.49%	36.74%
Pre Tax Income Margin	36.01%	27.35%	33.98%	38.86%	38.33%	17.46%	40.29%	43.66%	43.75%	42.41%	45.53%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.63	0.41	0.54	0.65	0.70	0.28	0.88	1.16	1.70	2.41	3.76
NOPAT to Interest Expense	0.50	0.45	0.42	0.51	0.54	0.25	0.78	0.92	1.37	1.90	3.00
EBIT Less CapEx to Interest Expense	-0.73	0.22	0.42	-4.40	-0.60	0.20	0.82	-3.38	-2.49	2.18	3.15
NOPAT Less CapEx to Interest Expense	-0.86	0.25	0.30	-4.54	-0.75	0.16	0.72	-3.63	-2.81	1.67	2.39
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	38.04%	38.06%	44.09%	40.82%	39.57%	37.53%	31.41%	31.80%	33.77%	40.77%	44.11%
Augmented Payout Ratio	40.87%	38.71%	44.58%	41.27%	44.78%	44.95%	37.87%	38.34%	38.46%	50.57%	54.89%

Frequently Asked Questions About F.N.B.'s Financials

When does F.N.B.'s financial year end?

According to the most recent income statement we have on file, F.N.B.'s fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has F.N.B.'s net income changed over the last 9 years?

F.N.B.'s net income appears to be on an upward trend, with a most recent value of $465 million in 2024, rising from $159.65 million in 2015. The previous period was $485 million in 2023. Find out what analysts predict for F.N.B. in the coming months.

How has F.N.B. revenue changed over the last 9 years?

Over the last 9 years, F.N.B.'s total revenue changed from $660.63 million in 2015 to $1.60 billion in 2024, a change of 141.6%.

How much debt does F.N.B. have?

F.N.B.'s total liabilities were at $42.32 billion at the end of 2024, a 5.5% increase from 2023, and a 173.7% increase since 2015.

How much cash does F.N.B. have?

In the past 9 years, F.N.B.'s cash and equivalents has ranged from $207.40 million in 2015 to $451 million in 2018, and is currently $416 million as of their latest financial filing in 2024.

How has F.N.B.'s book value per share changed over the last 9 years?

Over the last 9 years, F.N.B.'s book value per share changed from 11.34 in 2015 to 17.53 in 2024, a change of 54.5%.

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This page (NYSE:FNB) was last updated on 5/21/2025 by MarketBeat.com Staff

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F.N.B. (FNB) Financials

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F.N.B. (FNB) Financials

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