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F.N.B. (FNB) Financials

F.N.B. logo
$17.26 +0.19 (+1.12%)
Closing price 03:59 PM Eastern
Extended Trading
$17.27 +0.01 (+0.05%)
As of 05:03 PM Eastern
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Annual Income Statements for F.N.B.

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 152 163 191 365 379 278 397 431 477 459 565
Consolidated Net Income / (Loss)		 160 171 199 373 387 286 405 439 485 465 565
Net Income / (Loss) Continuing Operations		 160 171 199 373 387 286 405 439 485 465 565
Total Pre-Tax Income 		230 246 356 452 471 343 503 553 584 555 669
Total Revenue		 661 813 1,098 1,208 1,211 1,216 1,237 1,443 1,571 1,596 1,765
Net Interest Income / (Expense)		 498 612 846 932 917 922 907 1,120 1,317 1,280 1,396
Total Interest Income		 547 679 980 1,170 1,247 1,130 1,005 1,285 1,973 2,252 2,326
Loans and Leases Interest Income		 482 598 862 1,022 1,085 990 886 1,117 1,754 1,985 1,996
Investment Securities Interest Income		 65 81 117 147 158 138 115 144 178 224 260
Other Interest Income		 0.12 0.00 1.00 1.00 4.00 2.00 4.00 24 41 43 70
Total Interest Expense		 49 67 134 238 330 208 98 165 656 972 930
Deposits Interest Expense		 31 41 72 142 217 133 47 108 495 754 737
Short-Term Borrowings Interest Expense		 7.08 12 44 75 80 38 27 25 78 99 68
Long-Term Debt Interest Expense		 10 14 18 21 33 37 24 32 83 119 125
Total Non-Interest Income		 162 201 252 276 294 294 330 323 254 316 369
Service Charges on Deposit Accounts		 - 118 143 26 28 31 - 39 125 137 140
Other Service Charges		 109 39 50 160 153 146 210 180 87 89 96
Net Realized & Unrealized Capital Gains on Investments		 0.82 1.00 6.00 0.00 0.00 -17 0.00 0.00 -67 -34 0.00
Investment Banking Income		 14 13 15 18 17 17 22 24 28 31 36
Other Non-Interest Income		 18 30 38 72 96 117 61 80 81 93 97
Provision for Credit Losses		 40 56 61 61 44 123 1.00 64 72 80 86
Total Non-Interest Expense		 391 511 681 695 696 750 733 826 915 961 1,010
Salaries and Employee Benefits		 202 240 327 370 375 406 418 426 462 504 530
Net Occupancy & Equipment Expense		 66 78 103 115 121 137 128 144 161 177 186
Marketing Expense		 8.40 - - - 13 13 14 16 17 21 20
Property & Liability Insurance Claims		 13 19 33 33 23 20 18 20 61 41 28
Other Operating Expenses		 90 126 143 161 150 161 141 220 214 218 246
Income Tax Expense		 70 75 157 79 84 57 98 114 99 90 104
Preferred Stock Dividends Declared		 8.04 8.00 8.00 8.00 8.00 8.00 8.00 8.00 8.00 6.00 0.00
Basic Earnings per Share		 $0.87 $0.79 $0.63 $1.13 $1.17 $0.86 $1.24 $1.23 $1.32 $1.27 $1.57
Weighted Average Basic Shares Outstanding		 174.97M 206.24M 302.20M 324.21M 325.02M 321.52M 353.10M 360.63M 358.95M 359.72M 357.39M
Diluted Earnings per Share		 $0.86 $0.78 $0.63 $1.12 $1.16 $0.85 $1.23 $1.22 $1.31 $1.27 $1.56
Weighted Average Diluted Shares Outstanding		 174.97M 206.24M 302.20M 324.21M 325.02M 321.52M 353.10M 360.63M 358.95M 359.72M 357.39M
Weighted Average Basic & Diluted Shares Outstanding		 174.97M 206.24M 302.20M 324.21M 325.02M 321.52M 353.10M 360.63M 358.95M 359.72M 357.39M
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 $0.48

Quarterly Income Statements for F.N.B.

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 143 49 116 123 110 110 117 130 150 168 137
Consolidated Net Income / (Loss)		 145 51 122 123 110 110 117 130 150 168 137
Net Income / (Loss) Continuing Operations		 145 51 122 123 110 110 117 130 150 168 137
Total Pre-Tax Income 		164 59 156 157 140 102 148 166 190 165 174
Total Revenue		 407 338 407 404 412 373 411 439 457 458 450
Net Interest Income / (Expense)		 326 325 319 316 323 322 323 348 359 366 359
Total Interest Income		 513 532 543 557 583 569 559 583 596 588 569
Loans and Leases Interest Income		 455 476 481 494 516 494 480 501 511 504 486
Investment Securities Interest Income		 45 48 53 55 55 61 62 64 67 67 68
Other Interest Income		 13 8.00 9.00 8.00 12 14 17 18 18 17 15
Total Interest Expense		 187 207 224 241 260 247 236 235 237 222 210
Deposits Interest Expense		 139 160 170 180 199 205 186 181 188 182 169
Short-Term Borrowings Interest Expense		 23 23 28 32 30 9.00 14 20 18 16 18
Long-Term Debt Interest Expense		 25 24 26 29 31 33 36 34 31 24 23
Total Non-Interest Income		 81 13 88 88 89 51 88 91 98 92 91
Service Charges on Deposit Accounts		 33 -51 32 35 35 35 35 11 35 59 36
Other Service Charges		 22 101 25 22 22 20 21 48 27 - 23
Investment Banking Income		 7.00 7.00 8.00 8.00 8.00 7.00 9.00 9.00 9.00 9.00 9.00
Other Non-Interest Income		 19 23 23 23 24 23 23 23 27 24 23
Provision for Credit Losses		 25 14 14 20 23 23 18 26 24 19 19
Total Non-Interest Expense		 218 265 237 227 249 248 246 247 243 274 258
Salaries and Employee Benefits		 114 114 129 121 126 128 135 130 131 134 136
Net Occupancy & Equipment Expense		 42 42 44 43 46 44 46 47 45 48 51
Marketing Expense		 5.00 4.00 5.00 4.00 6.00 6.00 5.00 5.00 5.00 5.00 4.00
Property & Liability Insurance Claims		 8.00 38 13 10 10 8.00 8.00 9.00 7.00 4.00 7.00
Other Operating Expenses		 44 84 46 49 61 75 52 56 55 83 60
Income Tax Expense		 19 8.00 34 34 30 -8.00 31 36 40 -3.00 37
Basic Earnings per Share		 $0.40 $0.13 $0.32 $0.34 $0.30 $0.31 $0.32 $0.36 $0.41 $0.48 $0.38
Weighted Average Basic Shares Outstanding		 358.83M 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M
Diluted Earnings per Share		 $0.40 $0.12 $0.32 $0.34 $0.30 $0.31 $0.32 $0.36 $0.41 $0.47 $0.38
Weighted Average Diluted Shares Outstanding		 358.83M 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M
Weighted Average Basic & Diluted Shares Outstanding		 358.83M 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M
Cash Dividends to Common per Share		 $0.12 - $0.12 $0.12 $0.12 - $0.12 $0.12 $0.12 - $0.12

Annual Cash Flow Statements for F.N.B.

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 202 -118 108 9.00 111 784 2,110 -1,819 -98 843 79
Net Cash From Operating Activities		 223 293 279 611 259 113 530 1,218 423 642 482
Net Cash From Continuing Operating Activities		 223 293 279 611 259 113 530 1,218 423 642 482
Net Income / (Loss) Continuing Operations		 160 171 199 373 387 286 405 439 485 465 565
Consolidated Net Income / (Loss)		 160 171 199 373 387 286 405 439 485 465 565
Provision For Loan Losses		 40 56 61 61 44 123 1.00 64 72 80 86
Depreciation Expense		 44 61 89 109 45 -3.00 10 73 78 67 77
Non-Cash Adjustments to Reconcile Net Income		 -5.30 0.00 44 61 15 -127 -123 164 6.00 -3.00 -62
Changes in Operating Assets and Liabilities, net		 -15 5.00 -114 7.00 -232 -166 237 478 -218 33 -184
Net Cash From Investing Activities		 -1,143 -1,260 -1,529 -1,920 -1,131 -1,822 -153 -3,055 -2,261 -1,703 -1,487
Net Cash From Continuing Investing Activities		 -1,143 -1,260 -1,529 -1,920 -1,131 -1,822 -153 -3,055 -2,261 -1,703 -1,487
Purchase of Property, Leasehold Improvements and Equipment		 -9.72 -60 -57 -35 -46 -41 -58 -95 -88 -139 -106
Purchase of Investment Securities		 -1,946 -2,962 -3,478 -1,587 -1,158 -2,661 -3,131 -2,080 -1,198 -1,699 -1,474
Sale of Property, Leasehold Improvements and Equipment		 - - - - - -2,604 558 - - - -1,104
Sale and/or Maturity of Investments		 813 1,762 1,809 962 1,500 3,484 2,478 1,763 1,467 2,248 1,197
Net Cash From Financing Activities		 1,121 849 1,358 1,318 983 2,493 1,733 18 1,740 1,904 1,084
Net Cash From Continuing Financing Activities		 1,121 849 1,358 1,318 983 2,493 1,733 18 1,740 1,904 1,084
Net Change in Deposits		 1,093 814 1,163 1,059 1,334 4,337 2,604 258 -62 2,394 1,650
Issuance of Debt		 142 298 534 487 41 -1,084 25 202 2,364 130 638
Repayment of Debt		 -35 -173 -199 -77 -239 -574 -705 -231 -352 -341 -990
Repurchase of Preferred Equity		 - - - - - - - 0.00 0.00 -111 0.00
Repurchase of Common Equity		 - - - 0.00 0.00 -38 -43 -43 -36 -3.00 -50
Payment of Dividends		 -93 -110 -151 -165 -165 -165 -164 -179 -182 -177 -174
Other Financing Activities, Net		 0.03 2.00 - 14 12 17 16 11 8.00 12 10

Quarterly Cash Flow Statements for F.N.B.

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -67 -61 -89 393 198 341 26 -18 -14 85 161
Net Cash From Operating Activities		 294 -20 245 85 -14 326 64 123 167 128 151
Net Cash From Continuing Operating Activities		 295 -21 245 85 -14 326 65 123 167 128 152
Net Income / (Loss) Continuing Operations		 145 51 122 123 110 110 117 130 150 168 137
Consolidated Net Income / (Loss)		 145 51 122 123 110 110 117 130 150 168 137
Provision For Loan Losses		 26 13 14 20 23 23 18 26 24 19 19
Depreciation Expense		 19 17 14 18 17 18 18 19 18 22 23
Non-Cash Adjustments to Reconcile Net Income		 -19 29 52 -30 -52 27 29 -87 13 -17 -6.00
Changes in Operating Assets and Liabilities, net		 124 -131 43 -46 -112 148 -117 35 -38 -64 -21
Net Cash From Investing Activities		 -771 -537 76 -1,340 31 -470 -335 -681 -256 -215 -299
Net Cash From Continuing Investing Activities		 -771 -537 76 -1,340 31 -470 -335 -681 -256 -215 -299
Purchase of Property, Leasehold Improvements and Equipment		 -11 -17 -29 -30 -32 -48 -21 -38 -18 -29 -18
Purchase of Investment Securities		 -156 -832 -556 -342 -153 -648 -244 -465 -302 -463 -424
Sale of Property, Leasehold Improvements and Equipment		 - - - -1,188 - - - - - - -339
Sale and/or Maturity of Investments		 221 837 922 220 624 482 230 310 349 308 482
Net Cash From Financing Activities		 410 496 -410 1,648 181 485 297 540 75 172 309
Net Cash From Continuing Financing Activities		 410 496 -410 1,648 181 485 297 540 75 172 309
Net Change in Deposits		 790 95 23 258 1,777 336 132 508 693 317 142
Issuance of Debt		 -319 444 -271 1,652 -1,448 1,446 718 219 241 -540 244
Repayment of Debt		 -19 -1.00 -11 -216 -108 -1,255 -504 -134 -806 454 -5.00
Repurchase of Common Equity		 - 1.00 0.00 -3.00 - - -10 -10 -12 -18 -35
Payment of Dividends		 -45 -46 -46 -43 -44 -44 -44 -43 -44 -43 -43
Other Financing Activities, Net		 3.00 3.00 6.00 - 4.00 2.00 5.00 - 3.00 2.00 6.00

Annual Balance Sheets for F.N.B.

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 17,558 21,845 31,418 33,102 34,615 37,354 39,513 43,725 46,158 48,625 50,229
Cash and Due from Banks		 207 304 408 451 407 369 337 443 447 416 387
Interest Bearing Deposits at Other Banks		 282 68 71 37 192 1,014 3,156 1,231 1,129 2,003 2,111
Trading Account Securities		 3,268 4,581 6,100 6,617 6,564 6,331 3,426 7,362 7,165 7,445 7,844
Loans and Leases, Net of Allowance		 12,048 14,739 20,824 21,973 23,093 25,096 24,624 29,853 31,917 33,516 34,338
Loans and Leases		 12,190 14,897 20,999 22,153 23,289 25,459 24,968 30,255 32,323 33,939 34,777
Allowance for Loan and Lease Losses		 142 158 175 180 196 363 344 402 406 423 439
Premises and Equipment, Net		 159 244 337 330 333 332 345 432 461 536 568
Goodwill		 833 1,032 2,249 2,255 2,262 2,262 2,262 2,477 2,477 2,478 2,480
Intangible Assets		 46 54 92 79 67 54 42 89 69 51 36
Other Assets		 710 823 1,337 1,360 1,646 1,742 29,650 1,714 2,005 1,962 1,950
Total Liabilities & Shareholders' Equity		 17,558 21,845 31,418 33,102 34,615 37,354 39,513 43,725 46,158 48,625 50,229
Total Liabilities		 15,461 19,273 27,009 28,494 29,732 32,395 34,363 38,072 40,108 42,323 43,470
Non-Interest Bearing Deposits		 3,060 4,205 5,720 6,000 6,384 9,042 10,789 11,916 10,222 9,761 9,914
Interest Bearing Deposits		 9,564 11,860 16,680 17,455 18,402 20,080 20,937 22,854 24,489 27,346 28,845
Short-Term Debt		 2,049 2,503 3,679 4,129 3,216 1,804 1,536 1,372 2,506 1,256 2,017
Long-Term Debt		 641 539 668 627 1,340 1,095 682 1,093 1,971 3,012 1,901
Other Long-Term Liabilities		 148 165 262 283 390 374 419 837 920 948 793
Total Equity & Noncontrolling Interests		 2,096 2,572 4,409 4,608 4,883 4,959 5,150 5,653 6,050 6,302 6,759
Total Preferred & Common Equity		 2,096 2,572 4,409 4,608 4,883 4,959 5,150 5,653 6,050 6,302 6,759
Total Common Equity		 1,989 2,465 4,302 4,501 4,776 4,852 5,043 5,546 5,943 6,302 6,759
Common Stock		 1,810 2,236 4,036 4,052 4,070 4,090 4,112 4,700 4,696 4,699 4,699
Retained Earnings		 243 304 368 576 798 869 1,110 1,370 1,669 1,952 2,343
Treasury Stock		 -13 -15 -19 -21 -27 -68 -117 -167 -187 -180 -220
Accumulated Other Comprehensive Income / (Loss)		 -51 -61 -83 -106 -65 -39 -62 -357 -235 -169 -63

Quarterly Balance Sheets for F.N.B.

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 42,590 44,146 44,778 45,496 45,896 47,715 47,976 49,020 49,725 49,889 50,628
Cash and Due from Banks		 458 445 449 409 351 448 596 524 535 474 452
Interest Bearing Deposits at Other Banks		 1,818 1,278 1,255 1,228 1,136 1,432 1,482 1,921 1,892 1,939 2,207
Trading Account Securities		 7,212 3,201 7,165 7,067 7,119 7,257 7,314 7,506 7,695 7,669 7,958
Loans and Leases, Net of Allowance		 28,395 30,270 30,941 31,750 32,178 33,338 33,297 33,806 34,247 34,520 34,669
Loans and Leases		 28,780 30,673 31,354 32,151 32,584 33,757 33,717 34,235 34,679 34,957 35,112
Allowance for Loan and Lease Losses		 385 403 413 401 406 419 420 429 432 437 443
Premises and Equipment, Net		 421 452 465 460 474 489 505 539 557 557 566
Goodwill		 2,435 2,477 2,477 2,477 2,477 2,477 2,478 2,478 2,480 2,480 2,480
Intangible Assets		 52 84 79 74 65 60 56 48 44 40 33
Other Assets		 1,650 36,109 1,853 1,921 1,989 2,082 2,055 2,008 1,979 1,932 1,942
Total Liabilities & Shareholders' Equity		 42,590 44,146 44,778 45,496 45,896 47,715 47,976 49,020 49,725 49,889 50,628
Total Liabilities		 37,184 38,358 38,960 39,602 39,890 41,625 41,727 42,602 43,201 43,253 43,827
Non-Interest Bearing Deposits		 11,752 11,297 10,914 10,704 9,982 10,062 9,870 9,867 9,872 9,969 10,003
Interest Bearing Deposits		 22,141 22,893 22,911 23,911 24,753 24,932 26,901 27,372 27,876 28,472 28,898
Short-Term Debt		 1,395 2,149 2,391 2,066 2,074 3,616 1,562 1,969 1,876 1,905 2,157
Long-Term Debt		 1,059 1,298 1,981 1,968 2,121 2,016 2,515 2,514 2,692 2,099 2,001
Other Long-Term Liabilities		 837 721 763 953 960 999 879 880 885 808 768
Total Equity & Noncontrolling Interests		 5,406 5,788 5,818 5,894 6,006 6,090 6,249 6,418 6,524 6,636 6,801
Total Preferred & Common Equity		 5,406 5,788 5,818 5,894 6,006 6,090 6,249 6,418 6,524 6,636 6,801
Total Common Equity		 5,299 5,681 5,711 5,787 6,006 6,090 6,249 6,418 6,524 6,636 6,801
Common Stock		 4,569 4,697 4,690 4,693 4,698 4,694 4,697 4,700 4,695 4,697 4,702
Retained Earnings		 1,275 1,471 1,564 1,664 1,740 1,820 1,886 2,025 2,112 2,218 2,437
Treasury Stock		 -167 -172 -188 -188 -182 -181 -180 -186 -191 -202 -252
Accumulated Other Comprehensive Income / (Loss)		 -378 -315 -355 -382 -250 -243 -154 -121 -92 -77 -86

Annual Metrics And Ratios for F.N.B.

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.87 $0.79 $0.63 $1.13 $1.17 $0.86 $1.24 $1.23 $1.32 $1.27 $1.57
Adjusted Weighted Average Basic Shares Outstanding		 209.45M 211.10M 323.52M 324.49M 325.02M 321.52M 353.10M 360.63M 358.95M 359.72M 357.39M
Adjusted Diluted Earnings per Share		 $0.86 $0.78 $0.63 $1.12 $1.16 $0.85 $1.23 $1.22 $1.31 $1.27 $1.56
Adjusted Weighted Average Diluted Shares Outstanding		 209.45M 211.10M 323.52M 324.49M 325.02M 321.52M 353.10M 360.63M 358.95M 359.72M 357.39M
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		 209.45M 211.10M 323.52M 324.49M 325.02M 321.52M 353.10M 360.63M 358.95M 359.72M 357.39M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for F.N.B.

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 357,389,017.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 357,389,017.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.38
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.11% -18.55% -2.16% -1.46% 1.23% 10.36% 0.98% 8.66% 10.92% - 9.49%
EBITDA Growth		 -4.69% -61.18% -16.26% -12.82% -14.21% 59.05% -2.35% 5.71% 32.48% - 18.73%
EBIT Growth		 -5.20% -66.65% -14.29% -12.65% -14.63% 74.45% -5.13% 5.73% 35.71% - 17.63%
NOPAT Growth		 5.07% -63.31% -17.01% -13.38% -24.14% 115.69% -4.10% 5.69% 36.36% - 17.09%
Net Income Growth		 5.07% -63.31% -17.01% -13.38% -24.14% 115.69% -4.10% 5.69% 36.36% - 17.09%
EPS Growth		 5.26% -69.23% -20.00% -12.82% -25.00% 158.33% 0.00% 5.88% 36.67% - 18.75%
Operating Cash Flow Growth		 -15.76% -111.30% 1,189.47% -34.62% -104.76% 1,730.00% -73.88% 44.71% 1,292.86% - 135.94%
Free Cash Flow Firm Growth		 -998.86% -285.92% 44.14% 43.84% 85.02% 102.84% 30.92% 153.94% 43.06% - 113.55%
Invested Capital Growth		 26.31% 29.67% 10.46% 15.03% 4.01% 0.41% 6.86% -5.37% 3.04% - 0.53%
Revenue Q/Q Growth		 -0.73% -16.95% 20.41% -0.74% 1.98% -9.47% 10.19% 6.81% 4.10% - -1.75%
EBITDA Q/Q Growth		 -8.73% -58.63% 125.17% 2.82% -10.18% -23.31% 37.87% 11.45% 12.43% - 5.08%
EBIT Q/Q Growth		 -8.64% -64.21% 166.67% 0.51% -10.71% -26.86% 44.53% 12.16% 14.46% - 5.15%
NOPAT Q/Q Growth		 2.11% -64.83% 139.22% 0.82% -10.57% 0.00% 6.36% 11.11% 15.38% - -18.45%
Net Income Q/Q Growth		 2.11% -64.83% 139.22% 0.82% -10.57% 0.00% 6.36% 11.11% 15.38% - -18.45%
EPS Q/Q Growth		 2.56% -70.00% 166.67% 6.25% -11.76% 3.33% 3.23% 12.50% 13.89% - -19.15%
Operating Cash Flow Q/Q Growth		 126.15% -106.80% 1,325.00% -65.31% -116.47% 2,428.57% -80.37% 92.19% 35.77% - 17.97%
Free Cash Flow Firm Q/Q Growth		 23.36% -22.62% 64.21% -66.94% 79.56% 123.26% -970.15% 230.36% -121.58% - 29.51%
Invested Capital Q/Q Growth		 -2.57% 6.03% -3.10% 14.91% -11.91% 2.36% 3.13% 1.75% -4.08% - 2.64%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 44.96% 22.40% 41.77% 43.27% 38.11% 32.28% 40.39% 42.14% 45.51% - 43.67%
EBIT Margin		 40.29% 17.37% 38.33% 38.81% 33.98% 27.45% 36.01% 37.81% 41.58% - 38.56%
Profit (Net Income) Margin		 35.63% 15.09% 29.98% 30.45% 26.70% 29.49% 28.47% 29.61% 32.82% - 30.44%
Tax Burden Percent		 88.41% 86.44% 78.21% 78.34% 78.57% 107.84% 79.05% 78.31% 78.95% - 78.74%
Interest Burden Percent		 100.00% 100.51% 100.00% 100.13% 100.00% 99.61% 100.00% 100.00% 100.00% - 100.29%
Effective Tax Rate		 11.59% 13.56% 21.79% 21.66% 21.43% -7.84% 20.95% 21.69% 21.05% - 21.26%
Return on Invested Capital (ROIC)		 6.60% 2.54% 4.82% 4.32% 4.12% 4.46% 4.32% 4.24% 5.26% - 5.02%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.60% 2.54% 4.82% 4.32% 4.12% 4.46% 4.32% 4.24% 5.26% - 5.02%
Return on Net Nonoperating Assets (RNNOA)		 3.79% 1.51% 3.12% 3.63% 2.75% 3.16% 3.02% 3.43% 3.30% - 3.28%
Return on Equity (ROE)		 10.39% 4.05% 7.94% 7.96% 6.86% 7.62% 7.33% 7.68% 8.56% - 8.31%
Cash Return on Invested Capital (CROIC)		 -16.81% -20.64% -5.21% -9.96% 0.08% 4.00% -2.27% 9.62% 1.84% - 4.82%
Operating Return on Assets (OROA)		 1.51% 0.61% 1.33% 1.31% 1.14% 0.92% 1.21% 1.27% 1.43% - 1.40%
Return on Assets (ROA)		 1.33% 0.53% 1.04% 1.02% 0.89% 0.99% 0.96% 0.99% 1.13% - 1.10%
Return on Common Equity (ROCE)		 10.19% 3.98% 7.87% 7.89% 6.80% 7.55% 7.33% 7.68% 8.56% - 8.31%
Return on Equity Simple (ROE_SIMPLE)		 9.72% 0.00% 7.66% 7.24% 6.50% 0.00% 7.17% 7.16% 7.64% - 8.60%
Net Operating Profit after Tax (NOPAT)		 145 51 122 123 110 110 117 130 150 - 137
NOPAT Margin		 35.63% 15.09% 29.98% 30.45% 26.70% 29.49% 28.47% 29.61% 32.82% - 30.44%
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		 39.56% 47.34% 43.73% 41.58% 43.20% 47.72% 45.26% 41.46% 39.61% - 42.44%
Operating Expenses to Revenue		 53.56% 78.40% 58.23% 56.19% 60.44% 66.49% 59.85% 56.26% 53.17% - 57.33%
Earnings before Interest and Taxes (EBIT)		 164 59 156 157 140 102 148 166 190 - 174
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 183 76 170 175 157 120 166 185 208 - 197
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.65 0.80 0.83 0.81 0.81 0.84 0.75 0.80 0.87 - 0.88
Price to Tangible Book Value (P/TBV)		 1.15 1.41 1.45 1.39 1.37 1.41 1.24 1.31 1.41 - 1.39
Price to Revenue (P/Rev)		 2.27 3.04 3.21 3.16 3.25 3.33 3.02 3.21 3.44 - 3.31
Price to Earnings (P/E)		 6.61 10.02 11.19 11.42 12.75 11.58 10.52 11.23 11.41 - 10.21
Dividend Yield		 4.61% 3.60% 3.44% 3.51% 3.40% 3.25% 3.57% 3.29% 2.98% - 2.87%
Earnings Yield		 15.13% 9.98% 8.93% 8.76% 7.84% 8.64% 9.51% 8.90% 8.76% - 9.79%
Enterprise Value to Invested Capital (EV/IC)		 0.63 0.74 0.76 0.74 0.68 0.68 0.63 0.67 0.69 - 0.68
Enterprise Value to Revenue (EV/Rev)		 3.79 4.96 4.94 5.57 4.53 4.49 4.30 4.52 4.39 - 4.14
Enterprise Value to EBITDA (EV/EBITDA)		 7.98 11.76 12.28 14.38 12.25 11.51 11.12 11.76 10.86 - 9.62
Enterprise Value to EBIT (EV/EBIT)		 8.89 13.33 13.84 16.20 13.83 12.90 12.57 13.28 12.17 - 10.75
Enterprise Value to NOPAT (EV/NOPAT)		 10.89 16.06 16.79 19.67 17.42 15.41 14.95 15.82 14.55 - 12.78
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.06 18.41 11.90 14.36 23.89 11.16 14.92 14.80 10.85 - 13.14
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 884.07 16.98 0.00 6.73 38.22 - 14.18
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.68 0.74 0.70 0.92 0.65 0.68 0.70 0.70 0.60 - 0.61
Long-Term Debt to Equity		 0.33 0.33 0.35 0.33 0.40 0.48 0.39 0.41 0.32 - 0.29
Financial Leverage		 0.57 0.59 0.65 0.84 0.67 0.71 0.70 0.81 0.63 - 0.65
Leverage Ratio		 7.80 7.68 7.63 7.77 7.70 7.67 7.64 7.72 7.60 - 7.54
Compound Leverage Factor		 7.80 7.72 7.63 7.78 7.70 7.64 7.64 7.72 7.60 - 7.56
Debt to Total Capital		 40.63% 42.53% 41.12% 48.05% 39.48% 40.38% 41.12% 41.18% 37.63% - 37.94%
Short-Term Debt to Total Capital		 20.81% 23.81% 20.33% 30.85% 15.13% 11.88% 18.06% 16.91% 17.90% - 19.68%
Long-Term Debt to Total Capital		 19.82% 18.72% 20.79% 17.20% 24.36% 28.50% 23.06% 24.27% 19.73% - 18.26%
Preferred Equity to Total Capital		 1.08% 1.02% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
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		 58.29% 56.45% 58.88% 51.95% 60.52% 59.62% 58.88% 58.82% 62.37% - 62.06%
Debt to EBITDA		 5.16 6.76 6.67 9.34 7.06 6.86 7.25 7.27 5.90 - 5.35
Net Debt to EBITDA		 3.07 4.38 4.31 6.22 3.46 2.97 3.30 3.41 2.34 - 1.93
Long-Term Debt to EBITDA		 2.52 2.98 3.37 3.34 4.36 4.84 4.07 4.29 3.09 - 2.58
Debt to NOPAT		 7.04 9.23 9.12 12.77 10.04 9.18 9.75 9.78 7.90 - 7.11
Net Debt to NOPAT		 4.18 5.98 5.89 8.51 4.92 3.98 4.43 4.58 3.14 - 2.56
Long-Term Debt to NOPAT		 3.43 4.06 4.61 4.57 6.19 6.48 5.47 5.76 4.14 - 3.42
Noncontrolling Interest Sharing Ratio		 1.89% 1.83% 0.91% 0.90% 0.88% 0.87% 0.00% 0.00% 0.00% - 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -1,923 -2,358 -844 -1,409 -288 67 -583 760 -164 - 79
Operating Cash Flow to CapEx		 2,672.73% -117.65% 84.48% 6.98% -43.75% 679.17% 19.94% 323.68% 927.78% - 42.30%
Free Cash Flow to Firm to Interest Expense		 -10.28 -11.39 -3.77 -5.85 -1.11 0.27 -2.47 3.23 -0.69 - 0.38
Operating Cash Flow to Interest Expense		 1.57 -0.10 1.09 0.35 -0.05 1.32 0.27 0.52 0.70 - 0.72
Operating Cash Flow Less CapEx to Interest Expense		 1.51 -0.18 -0.20 -4.70 -0.18 1.13 -1.09 0.36 0.63 - -0.98
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 - 0.04
Fixed Asset Turnover		 3.74 3.52 3.37 3.26 3.24 3.20 3.16 3.13 3.16 - 3.27
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 9,928 10,527 10,201 11,722 10,326 10,570 10,901 11,092 10,640 - 10,959
Invested Capital Turnover		 0.19 0.17 0.16 0.14 0.15 0.15 0.15 0.14 0.16 - 0.17
Increase / (Decrease) in Invested Capital		 2,068 2,409 966 1,532 398 43 700 -630 314 - 58
Enterprise Value (EV)		 6,239 7,788 7,722 8,673 7,073 7,164 6,876 7,387 7,377 - 7,475
Market Capitalization		 3,735 4,780 5,014 4,921 5,074 5,315 4,838 5,246 5,786 - 5,976
Book Value per Share		 $16.13 $16.56 $16.69 $16.93 $17.38 $17.53 $17.84 $18.13 $18.48 - $19.03
Tangible Book Value per Share		 $9.02 $9.47 $9.63 $9.88 $10.33 $10.49 $10.82 $11.12 $11.46 - $12.00
Total Capital		 9,928 10,527 10,201 11,722 10,326 10,570 10,901 11,092 10,640 - 10,959
Total Debt		 4,034 4,477 4,195 5,632 4,077 4,268 4,483 4,568 4,004 - 4,158
Total Long-Term Debt		 1,968 1,971 2,121 2,016 2,515 3,012 2,514 2,692 2,099 - 2,001
Net Debt		 2,397 2,901 2,708 3,752 1,999 1,849 2,038 2,141 1,591 - 1,499
Capital Expenditures (CapEx)		 11 17 290 1,218 32 48 321 38 18 - 357
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)		 4,034 4,477 4,195 5,632 4,077 4,268 4,483 4,568 4,004 - 4,158
Total Depreciation and Amortization (D&A)		 19 17 14 18 17 18 18 19 18 - 23
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.40 $0.13 $0.32 $0.34 $0.30 $0.31 $0.32 $0.36 $0.41 $0.48 $0.38
Adjusted Weighted Average Basic Shares Outstanding		 358.83M 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M
Adjusted Diluted Earnings per Share		 $0.40 $0.12 $0.32 $0.34 $0.30 $0.31 $0.32 $0.36 $0.41 $0.47 $0.38
Adjusted Weighted Average Diluted Shares Outstanding		 358.83M 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M
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		 358.83M 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M
Normalized Net Operating Profit after Tax (NOPAT)		 145 51 122 123 110 71 117 130 150 - 137
Normalized NOPAT Margin		 35.63% 15.09% 29.98% 30.45% 26.70% 19.14% 28.47% 29.61% 32.82% - 30.44%
Pre Tax Income Margin		 40.29% 17.46% 38.33% 38.86% 33.98% 27.35% 36.01% 37.81% 41.58% - 38.67%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.88 0.28 0.70 0.65 0.54 0.41 0.63 0.71 0.80 - 0.83
NOPAT to Interest Expense		 0.78 0.25 0.54 0.51 0.42 0.45 0.50 0.55 0.63 - 0.65
EBIT Less CapEx to Interest Expense		 0.82 0.20 -0.60 -4.40 0.42 0.22 -0.73 0.54 0.73 - -0.87
NOPAT Less CapEx to Interest Expense		 0.72 0.16 -0.75 -4.54 0.30 0.25 -0.86 0.39 0.56 - -1.05
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.41% 37.53% 39.57% 40.82% 44.09% 38.06% 38.04% 37.47% 34.52% - 29.57%
Augmented Payout Ratio		 37.87% 44.95% 44.78% 41.27% 44.58% 38.71% 40.87% 41.76% 40.83% - 42.39%

Financials Breakdown Chart

Key Financial Trends

FNB’s latest four quarters show a trajectory of improving profitability in 2025, supported by higher net interest income, solid topline growth, and steady loan and deposit fundamentals. Below is a concise, investor-focused trend snapshot based on quarterly statements for 2025 back to 2022.

  • Net interest income trended higher through 2025, rising from about 323 million in Q1 2025 to 366 million in Q4 2025, indicating improved core lending profitability.
  • Earnings per share (EPS) advanced in 2025, with Basic EPS up from 0.32 (Q1 2025) to 0.48 (Q4 2025) and Diluted EPS up from 0.31 to 0.47 over the same period.
  • Total revenue climbed in 2025, with Q4 2025 revenue at 458 million versus 373 million in Q4 2024, signaling stronger topline performance.
  • Loans and leases, net of allowance, grew to about 34.52 billion by Q4 2025, up from about 33.8 billion earlier in the year, reflecting solid loan growth.
  • Funding remained robust, with total deposits around 38.4 billion in Q4 2025, supported by a mix of non-interest-bearing and interest-bearing deposits.
  • Dividends per share remained at 0.12, supporting shareholder returns and signaling continued capital discipline.
  • Operating cash flow from continuing activities showed variability, with 127.9 million in Q4 2025 and weaker year-end cash production versus prior-year levels, reflecting working-capital movements.
  • Non-interest income stayed broadly steady in 2025, typically ranging from the mid‑80s to high‑90s in millions per quarter, contributing to revenue stability alongside higher net interest income.
  • Non-interest expenses rose in Q4 2025 to 274 million, up from 243 million in Q3 2025, indicating some near-term margin pressure from operating costs.
  • Net cash from continuing investing activities remained negative in 2025 quarters (Q1 −335 million, Q2 −681 million, Q3 −256 million, Q4 −215 million), reflecting ongoing asset purchases and portfolio investments that could weigh on near-term liquidity.
05/18/26 07:57 PM ETAI Generated. May Contain Errors.

F.N.B. Financials - Frequently Asked Questions

According to the most recent income statement we have on file, F.N.B.'s fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

F.N.B.'s net income appears to be on an upward trend, with a most recent value of $565 million in 2025, rising from $159.65 million in 2015. The previous period was $465 million in 2024. Check out F.N.B.'s forecast to explore projected trends and price targets.

Over the last 10 years, F.N.B.'s total revenue changed from $660.63 million in 2015 to $1.77 billion in 2025, a change of 167.2%.

F.N.B.'s total liabilities were at $43.47 billion at the end of 2025, a 2.7% increase from 2024, and a 181.2% increase since 2015.

In the past 10 years, F.N.B.'s cash and equivalents has ranged from $207.40 million in 2015 to $451 million in 2018, and is currently $387 million as of their latest financial filing in 2025.


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Financial statements for NYSE:FNB last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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