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F.N.B. (FNB) Financials

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$18.93 -0.04 (-0.18%)
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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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 49 116 123 110 110 117 130 150 168 137 149
Consolidated Net Income / (Loss)		 51 122 123 110 110 117 130 150 168 137 149
Net Income / (Loss) Continuing Operations		 51 122 123 110 110 117 130 150 168 137 149
Total Pre-Tax Income 		59 156 157 140 102 148 166 190 165 174 188
Total Revenue		 338 407 404 412 373 411 439 457 458 450 463
Net Interest Income / (Expense)		 325 319 316 323 322 323 348 359 366 359 366
Total Interest Income		 532 543 557 583 569 559 583 596 588 569 578
Loans and Leases Interest Income		 476 481 494 516 494 480 501 511 504 486 493
Investment Securities Interest Income		 48 53 55 55 61 62 64 67 67 68 71
Other Interest Income		 8.00 9.00 8.00 12 14 17 18 18 17 15 14
Total Interest Expense		 207 224 241 260 247 236 235 237 222 210 212
Deposits Interest Expense		 160 170 180 199 205 186 181 188 182 169 169
Short-Term Borrowings Interest Expense		 23 28 32 30 9.00 14 20 18 16 18 19
Long-Term Debt Interest Expense		 24 26 29 31 33 36 34 31 24 23 24
Total Non-Interest Income		 13 88 88 89 51 88 91 98 92 91 97
Service Charges on Deposit Accounts		 -51 32 35 35 35 35 - 35 59 36 36
Other Service Charges		 101 25 22 22 20 21 54 27 - 23 26
Investment Banking Income		 7.00 8.00 8.00 8.00 7.00 9.00 9.00 9.00 9.00 9.00 9.00
Other Non-Interest Income		 23 23 23 24 23 23 17 27 24 23 26
Provision for Credit Losses		 14 14 20 23 23 18 26 24 19 19 22
Total Non-Interest Expense		 265 237 227 249 248 246 247 243 274 258 253
Salaries and Employee Benefits		 114 129 121 126 128 135 130 131 134 136 135
Net Occupancy & Equipment Expense		 42 44 43 46 44 46 47 45 48 51 49
Marketing Expense		 4.00 5.00 4.00 6.00 6.00 5.00 5.00 5.00 5.00 4.00 4.00
Property & Liability Insurance Claims		 38 13 10 10 8.00 8.00 9.00 7.00 4.00 7.00 9.00
Other Operating Expenses		 84 46 49 61 75 52 56 55 83 60 56
Income Tax Expense		 8.00 34 34 30 -8.00 31 36 40 -3.00 37 39
Basic Earnings per Share		 $0.13 $0.32 $0.34 $0.30 $0.31 $0.32 $0.36 $0.41 $0.48 $0.38 $0.42
Weighted Average Basic Shares Outstanding		 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M 353.00M
Diluted Earnings per Share		 $0.12 $0.32 $0.34 $0.30 $0.31 $0.32 $0.36 $0.41 $0.47 $0.38 $0.42
Weighted Average Diluted Shares Outstanding		 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M 353.00M
Weighted Average Basic & Diluted Shares Outstanding		 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M 353.00M

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -61 -89 393 198 341 26 -18 -14 85 161 -284
Net Cash From Operating Activities		 -20 245 85 -14 326 64 123 167 128 151 258
Net Cash From Continuing Operating Activities		 -21 245 85 -14 326 65 123 167 128 152 257
Net Income / (Loss) Continuing Operations		 51 122 123 110 110 117 130 150 168 137 149
Consolidated Net Income / (Loss)		 51 122 123 110 110 117 130 150 168 137 149
Provision For Loan Losses		 13 14 20 23 23 18 26 24 19 19 21
Depreciation Expense		 17 14 18 17 18 18 19 18 22 23 25
Non-Cash Adjustments to Reconcile Net Income		 29 52 -30 -52 27 29 -87 13 -17 -6.00 26
Changes in Operating Assets and Liabilities, net		 -131 43 -46 -112 148 -117 35 -38 -64 -21 36
Net Cash From Investing Activities		 -537 76 -1,340 31 -470 -335 -681 -256 -215 -299 -750
Net Cash From Continuing Investing Activities		 -537 76 -1,340 31 -470 -335 -681 -256 -215 -299 -750
Purchase of Property, Leasehold Improvements and Equipment		 -17 -29 -30 -32 -48 -21 -38 -18 -29 -18 -17
Purchase of Investment Securities		 -832 -556 -342 -153 -648 -244 -465 -302 -463 -424 -390
Sale of Property, Leasehold Improvements and Equipment		 - - -1,188 - - - - - - -339 -675
Sale and/or Maturity of Investments		 837 922 220 624 482 230 310 349 308 482 332
Net Cash From Financing Activities		 496 -410 1,648 181 485 297 540 75 172 309 208
Net Cash From Continuing Financing Activities		 496 -410 1,648 181 485 297 540 75 172 309 208
Net Change in Deposits		 95 23 258 1,777 336 132 508 693 317 142 -223
Issuance of Debt		 444 -271 1,652 -1,448 1,446 718 219 241 -540 244 529
Repayment of Debt		 -1.00 -11 -216 -108 -1,255 -504 -134 -806 454 -5.00 -4.00
Repurchase of Common Equity		 1.00 0.00 -3.00 - - -10 -10 -12 -18 -35 -47
Payment of Dividends		 -46 -46 -43 -44 -44 -44 -43 -44 -43 -43 -47

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 44,146 44,778 45,496 45,896 47,715 47,976 49,020 49,725 49,889 50,628 50,999
Cash and Due from Banks		 445 449 409 351 448 596 524 535 474 452 426
Interest Bearing Deposits at Other Banks		 1,278 1,255 1,228 1,136 1,432 1,482 1,921 1,892 1,939 2,207 1,949
Trading Account Securities		 3,201 7,165 7,067 7,119 7,257 7,314 7,506 7,695 7,669 7,958 8,009
Loans and Leases, Net of Allowance		 30,270 30,941 31,750 32,178 33,338 33,297 33,806 34,247 34,520 34,669 35,322
Loans and Leases		 30,673 31,354 32,151 32,584 33,757 33,717 34,235 34,679 34,957 35,112 35,769
Allowance for Loan and Lease Losses		 403 413 401 406 419 420 429 432 437 443 447
Premises and Equipment, Net		 452 465 460 474 489 505 539 557 557 566 564
Goodwill		 2,477 2,477 2,477 2,477 2,477 2,478 2,478 2,480 2,480 2,480 2,480
Intangible Assets		 84 79 74 65 60 56 48 44 40 33 30
Other Assets		 36,109 1,853 1,921 1,989 2,082 2,055 2,008 1,979 1,932 1,942 1,929
Total Liabilities & Shareholders' Equity		 44,146 44,778 45,496 45,896 47,715 47,976 49,020 49,725 49,889 50,628 50,999
Total Liabilities		 38,358 38,960 39,602 39,890 41,625 41,727 42,602 43,201 43,253 43,827 44,160
Non-Interest Bearing Deposits		 11,297 10,914 10,704 9,982 10,062 9,870 9,867 9,872 9,969 10,003 10,056
Interest Bearing Deposits		 22,893 22,911 23,911 24,753 24,932 26,901 27,372 27,876 28,472 28,898 28,623
Short-Term Debt		 2,149 2,391 2,066 2,074 3,616 1,562 1,969 1,876 1,905 2,157 2,681
Long-Term Debt		 1,298 1,981 1,968 2,121 2,016 2,515 2,514 2,692 2,099 2,001 2,002
Other Long-Term Liabilities		 721 763 953 960 999 879 880 885 808 768 798
Total Equity & Noncontrolling Interests		 5,788 5,818 5,894 6,006 6,090 6,249 6,418 6,524 6,636 6,801 6,839
Total Preferred & Common Equity		 5,788 5,818 5,894 6,006 6,090 6,249 6,418 6,524 6,636 6,801 6,839
Total Common Equity		 5,681 5,711 5,787 6,006 6,090 6,249 6,418 6,524 6,636 6,801 6,839
Common Stock		 4,697 4,690 4,693 4,698 4,694 4,697 4,700 4,695 4,697 4,702 4,695
Retained Earnings		 1,471 1,564 1,664 1,740 1,820 1,886 2,025 2,112 2,218 2,437 2,539
Treasury Stock		 -172 -188 -188 -182 -181 -180 -186 -191 -202 -252 -292
Accumulated Other Comprehensive Income / (Loss)		 -315 -355 -382 -250 -243 -154 -121 -92 -77 -86 -103

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 357,389,017.00 355,963,949.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 357,389,017.00 355,963,949.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.38 0.42
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -18.55% -2.16% -1.46% 1.23% 10.36% 0.98% 8.66% 10.92% - 9.49% 5.47%
EBITDA Growth		 -61.18% -16.26% -12.82% -14.21% 59.05% -2.35% 5.71% 32.48% - 18.73% 15.14%
EBIT Growth		 -66.65% -14.29% -12.65% -14.63% 74.45% -5.13% 5.73% 35.71% - 17.63% 13.25%
NOPAT Growth		 -63.31% -17.01% -13.38% -24.14% 115.69% -4.10% 5.69% 36.36% - 17.09% 14.62%
Net Income Growth		 -63.31% -17.01% -13.38% -24.14% 115.69% -4.10% 5.69% 36.36% - 17.09% 14.62%
EPS Growth		 -69.23% -20.00% -12.82% -25.00% 158.33% 0.00% 5.88% 36.67% - 18.75% 16.67%
Operating Cash Flow Growth		 -111.30% 1,189.47% -34.62% -104.76% 1,730.00% -73.88% 44.71% 1,292.86% - 135.94% 109.76%
Free Cash Flow Firm Growth		 -285.92% 44.14% 43.84% 85.02% 102.84% 30.92% 153.94% 43.06% - 113.55% -136.97%
Invested Capital Growth		 29.67% 10.46% 15.03% 4.01% 0.41% 6.86% -5.37% 3.04% - 0.53% 3.88%
Revenue Q/Q Growth		 -16.95% 20.41% -0.74% 1.98% -9.47% 10.19% 6.81% 4.10% - -1.75% 2.89%
EBITDA Q/Q Growth		 -58.63% 125.17% 2.82% -10.18% -23.31% 37.87% 11.45% 12.43% - 5.08% 8.40%
EBIT Q/Q Growth		 -64.21% 166.67% 0.51% -10.71% -26.86% 44.53% 12.16% 14.46% - 5.15% 8.36%
NOPAT Q/Q Growth		 -64.83% 139.22% 0.82% -10.57% 0.00% 6.36% 11.11% 15.38% - -18.45% 8.76%
Net Income Q/Q Growth		 -64.83% 139.22% 0.82% -10.57% 0.00% 6.36% 11.11% 15.38% - -18.45% 8.76%
EPS Q/Q Growth		 -70.00% 166.67% 6.25% -11.76% 3.33% 3.23% 12.50% 13.89% - -19.15% 10.53%
Operating Cash Flow Q/Q Growth		 -106.80% 1,325.00% -65.31% -116.47% 2,428.57% -80.37% 92.19% 35.77% - 17.97% 70.86%
Free Cash Flow Firm Q/Q Growth		 -22.62% 64.21% -66.94% 79.56% 123.26% -970.15% 230.36% -121.58% - 29.51% -455.70%
Invested Capital Q/Q Growth		 6.03% -3.10% 14.91% -11.91% 2.36% 3.13% 1.75% -4.08% - 2.64% 5.14%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 22.40% 41.77% 43.27% 38.11% 32.28% 40.39% 42.14% 45.51% - 43.67% 46.00%
EBIT Margin		 17.37% 38.33% 38.81% 33.98% 27.45% 36.01% 37.81% 41.58% - 38.56% 40.60%
Profit (Net Income) Margin		 15.09% 29.98% 30.45% 26.70% 29.49% 28.47% 29.61% 32.82% - 30.44% 32.18%
Tax Burden Percent		 86.44% 78.21% 78.34% 78.57% 107.84% 79.05% 78.31% 78.95% - 78.74% 79.26%
Interest Burden Percent		 100.51% 100.00% 100.13% 100.00% 99.61% 100.00% 100.00% 100.00% - 100.29% 100.00%
Effective Tax Rate		 13.56% 21.79% 21.66% 21.43% -7.84% 20.95% 21.69% 21.05% - 21.26% 20.74%
Return on Invested Capital (ROIC)		 2.54% 4.82% 4.32% 4.12% 4.46% 4.32% 4.24% 5.26% - 5.02% 5.20%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.54% 4.82% 4.32% 4.12% 4.46% 4.32% 4.24% 5.26% - 5.02% 5.20%
Return on Net Nonoperating Assets (RNNOA)		 1.51% 3.12% 3.63% 2.75% 3.16% 3.02% 3.43% 3.30% - 3.28% 3.60%
Return on Equity (ROE)		 4.05% 7.94% 7.96% 6.86% 7.62% 7.33% 7.68% 8.56% - 8.31% 8.80%
Cash Return on Invested Capital (CROIC)		 -20.64% -5.21% -9.96% 0.08% 4.00% -2.27% 9.62% 1.84% - 4.82% 1.54%
Operating Return on Assets (OROA)		 0.61% 1.33% 1.31% 1.14% 0.92% 1.21% 1.27% 1.43% - 1.40% 1.47%
Return on Assets (ROA)		 0.53% 1.04% 1.02% 0.89% 0.99% 0.96% 0.99% 1.13% - 1.10% 1.17%
Return on Common Equity (ROCE)		 3.98% 7.87% 7.89% 6.80% 7.55% 7.33% 7.68% 8.56% - 8.31% 8.80%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 7.66% 7.24% 6.50% 0.00% 7.17% 7.16% 7.64% - 8.60% 8.83%
Net Operating Profit after Tax (NOPAT)		 51 122 123 110 110 117 130 150 - 137 149
NOPAT Margin		 15.09% 29.98% 30.45% 26.70% 29.49% 28.47% 29.61% 32.82% - 30.44% 32.18%
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		 47.34% 43.73% 41.58% 43.20% 47.72% 45.26% 41.46% 39.61% - 42.44% 40.60%
Operating Expenses to Revenue		 78.40% 58.23% 56.19% 60.44% 66.49% 59.85% 56.26% 53.17% - 57.33% 54.64%
Earnings before Interest and Taxes (EBIT)		 59 156 157 140 102 148 166 190 - 174 188
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 76 170 175 157 120 166 185 208 - 197 213
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.80 0.83 0.81 0.81 0.84 0.75 0.80 0.87 - 0.88 0.99
Price to Tangible Book Value (P/TBV)		 1.41 1.45 1.39 1.37 1.41 1.24 1.31 1.41 - 1.39 1.57
Price to Revenue (P/Rev)		 3.04 3.21 3.16 3.25 3.33 3.02 3.21 3.44 - 3.31 3.72
Price to Earnings (P/E)		 10.02 11.19 11.42 12.75 11.58 10.52 11.23 11.41 - 10.21 11.24
Dividend Yield		 3.60% 3.44% 3.51% 3.40% 3.25% 3.57% 3.29% 2.98% - 2.87% 2.57%
Earnings Yield		 9.98% 8.93% 8.76% 7.84% 8.64% 9.51% 8.90% 8.76% - 9.79% 8.89%
Enterprise Value to Invested Capital (EV/IC)		 0.74 0.76 0.74 0.68 0.68 0.63 0.67 0.69 - 0.68 0.79
Enterprise Value to Revenue (EV/Rev)		 4.96 4.94 5.57 4.53 4.49 4.30 4.52 4.39 - 4.14 4.98
Enterprise Value to EBITDA (EV/EBITDA)		 11.76 12.28 14.38 12.25 11.51 11.12 11.76 10.86 - 9.62 11.30
Enterprise Value to EBIT (EV/EBIT)		 13.33 13.84 16.20 13.83 12.90 12.57 13.28 12.17 - 10.75 12.69
Enterprise Value to NOPAT (EV/NOPAT)		 16.06 16.79 19.67 17.42 15.41 14.95 15.82 14.55 - 12.78 15.07
Enterprise Value to Operating Cash Flow (EV/OCF)		 18.41 11.90 14.36 23.89 11.16 14.92 14.80 10.85 - 13.14 12.93
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 884.07 16.98 0.00 6.73 38.22 - 14.18 52.30
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.74 0.70 0.92 0.65 0.68 0.70 0.70 0.60 - 0.61 0.68
Long-Term Debt to Equity		 0.33 0.35 0.33 0.40 0.48 0.39 0.41 0.32 - 0.29 0.29
Financial Leverage		 0.59 0.65 0.84 0.67 0.71 0.70 0.81 0.63 - 0.65 0.69
Leverage Ratio		 7.68 7.63 7.77 7.70 7.67 7.64 7.72 7.60 - 7.54 7.54
Compound Leverage Factor		 7.72 7.63 7.78 7.70 7.64 7.64 7.72 7.60 - 7.56 7.54
Debt to Total Capital		 42.53% 41.12% 48.05% 39.48% 40.38% 41.12% 41.18% 37.63% - 37.94% 40.64%
Short-Term Debt to Total Capital		 23.81% 20.33% 30.85% 15.13% 11.88% 18.06% 16.91% 17.90% - 19.68% 23.27%
Long-Term Debt to Total Capital		 18.72% 20.79% 17.20% 24.36% 28.50% 23.06% 24.27% 19.73% - 18.26% 17.38%
Preferred Equity to Total Capital		 1.02% 0.00% 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		 56.45% 58.88% 51.95% 60.52% 59.62% 58.88% 58.82% 62.37% - 62.06% 59.36%
Debt to EBITDA		 6.76 6.67 9.34 7.06 6.86 7.25 7.27 5.90 - 5.35 5.82
Net Debt to EBITDA		 4.38 4.31 6.22 3.46 2.97 3.30 3.41 2.34 - 1.93 2.87
Long-Term Debt to EBITDA		 2.98 3.37 3.34 4.36 4.84 4.07 4.29 3.09 - 2.58 2.49
Debt to NOPAT		 9.23 9.12 12.77 10.04 9.18 9.75 9.78 7.90 - 7.11 7.75
Net Debt to NOPAT		 5.98 5.89 8.51 4.92 3.98 4.43 4.58 3.14 - 2.56 3.82
Long-Term Debt to NOPAT		 4.06 4.61 4.57 6.19 6.48 5.47 5.76 4.14 - 3.42 3.31
Noncontrolling Interest Sharing Ratio		 1.83% 0.91% 0.90% 0.88% 0.87% 0.00% 0.00% 0.00% - 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -2,358 -844 -1,409 -288 67 -583 760 -164 - 79 -281
Operating Cash Flow to CapEx		 -117.65% 84.48% 6.98% -43.75% 679.17% 19.94% 323.68% 927.78% - 42.30% 37.28%
Free Cash Flow to Firm to Interest Expense		 -11.39 -3.77 -5.85 -1.11 0.27 -2.47 3.23 -0.69 - 0.38 -1.33
Operating Cash Flow to Interest Expense		 -0.10 1.09 0.35 -0.05 1.32 0.27 0.52 0.70 - 0.72 1.22
Operating Cash Flow Less CapEx to Interest Expense		 -0.18 -0.20 -4.70 -0.18 1.13 -1.09 0.36 0.63 - -0.98 -2.05
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 - 0.04 0.04
Fixed Asset Turnover		 3.52 3.37 3.26 3.24 3.20 3.16 3.13 3.16 - 3.27 3.26
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 10,527 10,201 11,722 10,326 10,570 10,901 11,092 10,640 - 10,959 11,522
Invested Capital Turnover		 0.17 0.16 0.14 0.15 0.15 0.15 0.14 0.16 - 0.17 0.16
Increase / (Decrease) in Invested Capital		 2,409 966 1,532 398 43 700 -630 314 - 58 430
Enterprise Value (EV)		 7,788 7,722 8,673 7,073 7,164 6,876 7,387 7,377 - 7,475 9,100
Market Capitalization		 4,780 5,014 4,921 5,074 5,315 4,838 5,246 5,786 - 5,976 6,792
Book Value per Share		 $16.56 $16.69 $16.93 $17.38 $17.53 $17.84 $18.13 $18.48 - $19.03 $19.21
Tangible Book Value per Share		 $9.47 $9.63 $9.88 $10.33 $10.49 $10.82 $11.12 $11.46 - $12.00 $12.16
Total Capital		 10,527 10,201 11,722 10,326 10,570 10,901 11,092 10,640 - 10,959 11,522
Total Debt		 4,477 4,195 5,632 4,077 4,268 4,483 4,568 4,004 - 4,158 4,683
Total Long-Term Debt		 1,971 2,121 2,016 2,515 3,012 2,514 2,692 2,099 - 2,001 2,002
Net Debt		 2,901 2,708 3,752 1,999 1,849 2,038 2,141 1,591 - 1,499 2,308
Capital Expenditures (CapEx)		 17 290 1,218 32 48 321 38 18 - 357 692
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)		 4,477 4,195 5,632 4,077 4,268 4,483 4,568 4,004 - 4,158 4,683
Total Depreciation and Amortization (D&A)		 17 14 18 17 18 18 19 18 - 23 25
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.13 $0.32 $0.34 $0.30 $0.31 $0.32 $0.36 $0.41 $0.48 $0.38 $0.42
Adjusted Weighted Average Basic Shares Outstanding		 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M 353.00M
Adjusted Diluted Earnings per Share		 $0.12 $0.32 $0.34 $0.30 $0.31 $0.32 $0.36 $0.41 $0.47 $0.38 $0.42
Adjusted Weighted Average Diluted Shares Outstanding		 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M 353.00M
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		 358.95M 359.75M 359.57M 359.59M 359.72M 359.81M 359.14M 358.14M 357.39M 355.96M 353.00M
Normalized Net Operating Profit after Tax (NOPAT)		 51 122 123 110 71 117 130 150 - 137 149
Normalized NOPAT Margin		 15.09% 29.98% 30.45% 26.70% 19.14% 28.47% 29.61% 32.82% - 30.44% 32.18%
Pre Tax Income Margin		 17.46% 38.33% 38.86% 33.98% 27.35% 36.01% 37.81% 41.58% - 38.67% 40.60%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.28 0.70 0.65 0.54 0.41 0.63 0.71 0.80 - 0.83 0.89
NOPAT to Interest Expense		 0.25 0.54 0.51 0.42 0.45 0.50 0.55 0.63 - 0.65 0.70
EBIT Less CapEx to Interest Expense		 0.20 -0.60 -4.40 0.42 0.22 -0.73 0.54 0.73 - -0.87 -2.38
NOPAT Less CapEx to Interest Expense		 0.16 -0.75 -4.54 0.30 0.25 -0.86 0.39 0.56 - -1.05 -2.56
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 37.53% 39.57% 40.82% 44.09% 38.06% 38.04% 37.47% 34.52% - 29.57% 29.30%
Augmented Payout Ratio		 44.95% 44.78% 41.27% 44.58% 38.71% 40.87% 41.76% 40.83% - 42.39% 47.85%

Financials Breakdown Chart

Key Financial Trends

F.N.B. Corp. (NYSE: FNB) has shown a generally improving earnings trend over the last four years, but the quality of that growth is mixed. Revenue and net income have moved higher versus 2023 levels, while deposits and loans continue to expand, supporting a larger balance sheet. At the same time, cost discipline has been uneven, and funding costs remain an important pressure point for profitability.

  • Revenue has stabilized and improved versus prior-year levels. In Q1 2026, total revenue was $450 million, up from $411 million in Q1 2025 and above the $407 million level in Q1 2024.
  • Net income has risen meaningfully from the 2023 trough. Q1 2026 net income was $137 million, versus $117 million in Q1 2025 and $122 million in Q1 2024.
  • Loan growth remains solid. Net loans and leases increased to $34.7 billion in Q1 2026 from $33.8 billion in Q1 2025 and $32.2 billion in Q1 2024.
  • Deposit base continues to grow. Total deposits were about $39.0 billion in Q1 2026, up from roughly $37.8 billion a year earlier, helping fund the balance sheet.
  • Operating cash flow remains positive. FNB generated $151 million of operating cash flow in Q1 2026, although that was below the stronger prior-year comparison.
  • Book equity has improved over time. Total common equity rose to $6.8 billion in Q1 2026 from $6.4 billion in Q1 2025 and $6.0 billion in Q1 2024.
  • Non-interest income is contributing a steady share of sales. Q1 2026 non-interest income was $91 million, supported by service charges and other fee income, but it has not yet shown a breakout growth trend.
  • Share count is relatively stable. Diluted shares outstanding were essentially flat near 356 million to 359 million across recent quarters, so EPS gains are coming mostly from operating performance rather than buybacks.
  • Net interest margin pressure is still visible in the income statement. Interest expense remains high relative to interest income, and the bank’s profitability is sensitive to deposit pricing and funding costs.
  • Non-interest expense remains elevated. Q1 2026 total non-interest expense was $258 million, only modestly improved from recent quarters and still a major drag on earnings expansion.
  • Credit costs have not disappeared. The provision for credit losses was $18.5 million in Q1 2026, suggesting management is still reserving for potential loan deterioration.
  • Goodwill remains a large balance-sheet item. Goodwill was $2.48 billion in Q1 2026, which is sizable relative to total common equity and adds some intangible-heavy balance-sheet risk.

Bottom line: FNB looks like a steady regional bank with improving earnings and a growing loan/deposit franchise. The main positives are stable revenue, solid deposit growth, and better profitability than the 2023 period. The main caution is that funding costs, operating expenses, and credit provisioning still limit margin expansion, so the stock’s longer-term upside will likely depend on management’s ability to grow loans while keeping expenses and deposit costs under control.

08/07/26 09:02 AM 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 financial year ends in December. Their financial 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. View F.N.B.'s forecast to see where analysts expect F.N.B. to go next.

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 8/5/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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