8-K Announcements
6Material company update
Apr 17, 2026·SEC
Material company update
Apr 14, 2026·SEC
Material company update
Jan 21, 2026·SEC
F.N.B. Corporation(FNB)Earnings, Financials & Key Ratios
FNB•NYSE•Banking & Credit
$18.19
$6.5B mkt cap·11.7× P/E·Price updated May 6, 2026
AboutF.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, Wealth Management, and Insurance. It offers commercial banking solutions, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. The company also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services; and wealth management services comprising personal and corporate fiduciary services comprising administration of decedent and trust estates; securities brokerage and investment advisory services, mutual funds, and annuities; and commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. As of December 31, 2021, it operated 334 banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.Show more
- Net Interest Income$1.42B+10.9%
- Total Revenue$2.69B+4.9%
- Net Income$565M+21.6%
- Return on Equity8.66%+15.0%
- Net Interest Margin2.83%+7.3%
- Efficiency Ratio37.47%+0.1%
- ROA1.14%+16.6%
- Equity / Assets13.46%+3.8%
- Book Value per Share18.67+7.5%
- Tangible BV/Share11.72+12.7%
- Debt/Equity0.58-14.4%
FNB Key Insights
F.N.B. Corporation (FNB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 37.5% efficiency ratio
- ✓Well capitalized: 13.5% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 1.0x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FNB Price & Volume
F.N.B. Corporation (FNB) stock price & volume — 10-year historical chart
Loading chart...
FNB Growth Metrics
F.N.B. Corporation (FNB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.28%
5 Years13.34%
3 Years18.78%
TTM-
Profit CAGR
10 Years13.48%
5 Years14.6%
3 Years8.8%
TTM21.55%
EPS CAGR
10 Years6.14%
5 Years12.91%
3 Years8.54%
TTM23.81%
Return on Capital
10 Years7.17%
5 Years7.01%
3 Years6.47%
Last Year6.74%
FNB Recent Earnings
F.N.B. Corporation (FNB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 16, 2026EPS
$0.38
Est $0.38
+0.0%
Revenue
$450M
Est $454M
-0.8%
Q1 2026
Jan 20, 2026EPS
$0.50
Est $0.41
+22.0%
Revenue
$458M
Est $458M
-0.1%
Q4 2025
Oct 16, 2025EPS
$0.41
Est $0.37
+9.5%
Revenue
$457M
Est $448M
+2.1%
Q3 2025
Jul 17, 2025EPS
$0.36
Est $0.33
+9.1%
Revenue
$438M
Est $424M
+3.3%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 16, 2026 | $0.38vs $0.38+0.0% | $450Mvs $454M-0.8% |
| Q1 2026 | Jan 20, 2026 | $0.50vs $0.41+22.0% | $458Mvs $458M-0.1% |
| Q4 2025 | Oct 16, 2025 | $0.41vs $0.37+9.5% | $457Mvs $448M+2.1% |
| Q3 2025 | Jul 17, 2025 | $0.36vs $0.33+9.1% | $438Mvs $424M+3.3% |
Based on last 12 quarters of dataView full earnings history →
FNB Peer Comparison
F.N.B. Corporation (FNB) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 UMBF | 10.2B | 133.96 | 14.67 | 68.52% | 11.67% | 0.49 | ||
 WTFC | 10.27B | 153.28 | 13.26 | 6.66% | 11.35% | 0.62 | ||
 SNV | 6.95B | 50.05 | 16.52 | 1.16% | 13.7% | 0.35 | ||
 IBOC | 4.51B | 72.56 | 10.96 | 1.03% | 13.41% | 0.22 | ||
 WSFS | 3.8B | 72.11 | 14.17 | -3.05% | 10.65% | 0.11 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 CBSH | 7.71B | 52.53 | 12.87 | 2.23% | 15.34% | 0.79 | ||
 FULT | 4.19B | 21.79 | 10.48 | 5.03% | 11.6% | 0.37 |
Compare FNB vs Peers
F.N.B. Corporation (FNB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FNB Income Statement
F.N.B. Corporation (FNB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 846M | 932M | 917M | 922M | 907M | 1.12B | 1.32B | 1.28B | 1.42B |
| NII Growth % | 38.24% | 10.17% | -1.61% | 0.55% | -1.63% | 23.48% | 17.59% | -2.81% | 10.88% |
| Net Interest Margin % | 2.69% | 2.82% | 2.65% | 2.47% | 2.3% | 2.56% | 2.85% | 2.63% | 2.83% |
| Interest Income | 980M | 1.17B | 1.25B | 1.13B | 1B | 1.28B | 1.97B | 2.25B | 2.35B |
| Interest Expense | 134M | 238M | 330M | 208M | 98M | 165M | 656M | 971.71M | 929.78M |
| Loan Loss Provision | 61M | 61M | 44M | 123M | 1M | 64M | 72M | 80.29M | 85.95M |
| Non-Interest Income | 252M | 276M | 294M | 311M | 330M | 323M | 254M | 316M | 345.77M |
| Non-Interest Income % | 20.45% | 19.09% | 19.08% | 21.58% | 24.72% | 20.09% | 11.41% | 12.31% | 12.83% |
| Total Revenue | 1.23B▲ 0% | 1.45B▲ 17.4% | 1.54B▲ 6.6% | 1.44B▼ 6.5% | 1.33B▼ 7.4% | 1.61B▲ 20.4% | 2.23B▲ 38.5% | 2.57B▲ 15.3% | 2.69B▲ 4.9% |
| Revenue Growth % | 40% | 17.37% | 6.57% | -6.49% | -7.36% | 20.45% | 38.5% | 15.31% | 4.94% |
| Non-Interest Expense | 681M | 695M | 696M | 767M | 733M | 826M | 915M | 961M | 1.01B |
| Efficiency Ratio | 55.28% | 48.06% | 45.17% | 53.23% | 54.91% | 51.37% | 41.09% | 37.42% | 37.47% |
| Operating Income | 356M▲ 0% | 452M▲ 27.0% | 471M▲ 4.2% | 343M▼ 27.2% | 503M▲ 46.6% | 553M▲ 9.9% | 584M▲ 5.6% | 555M▼ 5.0% | 669.36M▲ 20.6% |
| Operating Margin % | 28.9% | 31.26% | 30.56% | 23.8% | 37.68% | 34.39% | 26.22% | 21.61% | 24.84% |
| Operating Income Growth % | 44.72% | 26.97% | 4.2% | -27.18% | 46.65% | 9.94% | 5.61% | -4.97% | 20.6% |
| Pretax Income | 356M▲ 0% | 452M▲ 27.0% | 471M▲ 4.2% | 343M▼ 27.2% | 503M▲ 46.6% | 553M▲ 9.9% | 584M▲ 5.6% | 555M▼ 5.0% | 669.36M▲ 20.6% |
| Pretax Margin % | 28.9% | 31.26% | 30.56% | 23.8% | 37.68% | 34.39% | 26.22% | 21.61% | 24.84% |
| Income Tax | 157M | 79M | 84M | 57M | 98M | 114M | 99M | 90M | 103.97M |
| Effective Tax Rate % | 44.1% | 17.48% | 17.83% | 16.62% | 19.48% | 20.61% | 16.95% | 16.22% | 15.53% |
| Net Income | 199M▲ 0% | 373M▲ 87.4% | 387M▲ 3.8% | 286M▼ 26.1% | 405M▲ 41.6% | 439M▲ 8.4% | 485M▲ 10.5% | 465M▼ 4.1% | 565.39M▲ 21.6% |
| Net Margin % | 16.15% | 25.8% | 25.11% | 19.85% | 30.34% | 27.3% | 21.78% | 18.11% | 20.98% |
| Net Income Growth % | 16.37% | 87.44% | 3.75% | -26.1% | 41.61% | 8.4% | 10.48% | -4.12% | 21.59% |
| Net Income (Continuing) | 199M | 373M | 387M | 286M | 405M | 439M | 485M | 465M | 565.39M |
| EPS (Diluted) | 0.63▲ 0% | 1.12▲ 77.8% | 1.16▲ 3.6% | 0.85▼ 26.7% | 1.23▲ 44.7% | 1.22▼ 0.8% | 1.31▲ 7.4% | 1.27▼ 3.1% | 1.56▲ 22.8% |
| EPS Growth % | -19.23% | 77.78% | 3.57% | -26.72% | 44.71% | -0.81% | 7.38% | -3.05% | 22.83% |
| EPS (Basic) | 0.63 | 1.13 | 1.17 | 0.86 | 1.24 | 1.23 | 1.32 | 1.27 | 1.57 |
| Diluted Shares Outstanding | 303.86M | 325.62M | 326.06M | 325.49M | 323.48M | 354.05M | 362.9M | 362.64M | 361.95M |
FNB Balance Sheet
F.N.B. Corporation (FNB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 3.24B | 3.83B | 3.89B | 4.85B | 6.92B | 4.95B | 4.83B | 5.39B | 6.22B |
| Cash & Due from Banks | 479.44M | 488M | 599M | 1.38B | 3.49B | 1.67B | 1.58B | 2.42B | 2.5B |
| Short Term Investments | 2.76B | 3.34B | 3.29B | 3.46B | 3.43B | 3.27B | 3.25B | 2.98B | 3.73B |
| Total Investments | 26.66B | 28.22B | 29.28B | 31.11B | 31.33B | 36.83B | 38.99B | 40.44B | 7.84B |
| Investments Growth % | 39.39% | 5.85% | 3.75% | 6.27% | 0.69% | 17.58% | 5.86% | 3.71% | -80.6% |
| Long-Term Investments | 23.89B | 24.88B | 25.99B | 27.65B | 27.9B | 33.56B | 35.74B | 37.46B | 4.12B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 34.34B |
| Goodwill & Intangibles | 2.34B | 2.33B | 2.33B | 2.32B | 2.3B | 2.57B | 2.55B | 2.53B | 2.52B |
| Goodwill | 2.25B | 2.25B | 2.26B | 2.26B | 2.26B | 2.48B | 2.48B | 2.48B | 2.48B |
| Intangible Assets | 92.08M | 79M | 67M | 54M | 42M | 89M | 69M | 51M | 36M |
| PP&E (Net) | 336.54M | 330M | 333M | 332M | 345M | 432M | 461M | 536M | 568M |
| Other Assets | 1.34B | 1.36B | 1.65B | 1.74B | 1.56B | 1.71B | 2.01B | 1.96B | 667M |
| Total Current Assets | 3.51B | 4.2B | 4.32B | 5.31B | 7.41B | 5.45B | 5.41B | 6.14B | 41.08B |
| Total Non-Current Assets | 27.91B | 28.9B | 30.3B | 32.04B | 32.11B | 38.27B | 40.75B | 42.49B | 7.87B |
| Total Assets | 31.42B▲ 0% | 33.1B▲ 5.4% | 34.62B▲ 4.6% | 37.35B▲ 7.9% | 39.51B▲ 5.8% | 43.73B▲ 10.7% | 46.16B▲ 5.6% | 48.63B▲ 5.3% | 50.23B▲ 3.3% |
| Asset Growth % | 43.82% | 5.36% | 4.57% | 7.91% | 5.78% | 10.66% | 5.56% | 5.34% | 3.3% |
| Return on Assets (ROA) | 0.75% | 1.16% | 1.14% | 0.79% | 1.05% | 1.05% | 1.08% | 0.98% | 1.14% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 4.35B | 4.76B | 4.56B | 2.9B | 2.22B | 2.46B | 4.48B | 4.27B | 3.92B |
| Net Debt | 3.87B | 4.27B | 3.96B | 1.52B | -1.27B | 791M | 2.9B | 1.85B | 1.42B |
| Long-Term Debt | 806M | 740M | 1.45B | 1.22B | 812M | 1.22B | 2.08B | 3.15B | 1.9B |
| Short-Term Debt | 3.54B | 4.02B | 3.11B | 1.68B | 1.41B | 1.25B | 2.39B | 1.12B | 2.02B |
| Other Liabilities | 262M | 283M | 390M | 374M | 419M | 837M | 920M | 948M | 0 |
| Total Current Liabilities | 25.94B | 27.47B | 27.89B | 30.8B | 33.13B | 36.02B | 37.1B | 38.23B | 40.78B |
| Total Non-Current Liabilities | 1.07B | 1.02B | 1.84B | 1.59B | 1.23B | 2.06B | 3B | 4.1B | 1.9B |
| Total Liabilities | 27.01B | 28.49B | 29.73B | 32.4B | 34.36B | 38.07B | 40.11B | 42.32B | 43.47B |
| Total Equity | 4.41B▲ 0% | 4.61B▲ 4.5% | 4.88B▲ 6.0% | 4.96B▲ 1.6% | 5.15B▲ 3.9% | 5.65B▲ 9.8% | 6.05B▲ 7.0% | 6.3B▲ 4.2% | 6.76B▲ 7.3% |
| Equity Growth % | 71.46% | 4.51% | 5.97% | 1.56% | 3.85% | 9.77% | 7.02% | 4.17% | 7.25% |
| Equity / Assets (Capital Ratio) | 14.03% | 13.92% | 14.11% | 13.28% | 13.03% | 12.93% | 13.11% | 12.96% | 13.46% |
| Return on Equity (ROE) | 5.7% | 8.27% | 8.16% | 5.81% | 8.01% | 8.13% | 8.29% | 7.53% | 8.66% |
| Book Value per Share | 14.51 | 14.15 | 14.98 | 15.24 | 15.92 | 15.97 | 16.67 | 17.38 | 18.67 |
| Tangible BV per Share | 6.81 | 6.98 | 7.83 | 8.12 | 8.80 | 8.72 | 9.66 | 10.40 | 11.72 |
| Common Stock | 3M | 3M | 3M | 3M | 3M | 4M | 4M | 4M | 4M |
| Additional Paid-in Capital | 4.03B | 4.05B | 4.07B | 4.09B | 4.11B | 4.7B | 4.69B | 4.7B | 4.7B |
| Retained Earnings | 368M | 576M | 798M | 869M | 1.11B | 1.37B | 1.67B | 1.95B | 2.34B |
| Accumulated OCI | -83M | -106M | -65M | -39M | -62M | -357M | -235M | -169M | -63M |
| Treasury Stock | -19M | -21M | -27M | -68M | -117M | -167M | -187M | -180M | -220M |
| Preferred Stock | 106.88M | 107M | 107M | 107M | 107M | 107M | 107M | 0 | 0 |
FNB Cash Flow Statement
F.N.B. Corporation (FNB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 279M | 611M | 259M | 113M | 530M | 1.22B | 423M | 642M | 0 |
| Operating CF Growth % | -4.78% | 119% | -57.61% | -56.37% | 369.03% | 129.81% | -65.27% | 51.77% | -100% |
| Net Income | 199M | 373M | 387M | 286M | 405M | 439M | 485M | 465M | 565.39M |
| Depreciation & Amortization | 89M | 109M | 45M | -3M | 10M | 73M | 78M | 67M | 0 |
| Deferred Taxes | 129M | 33M | 33M | -18M | 15M | 11M | -6M | 45M | 0 |
| Other Non-Cash Items | -111M | 105M | -192M | -157M | 86M | 722M | -131M | 74M | -565.39M |
| Working Capital Changes | -27M | -9M | -14M | 5M | 14M | -27M | -3M | -9M | 0 |
| Cash from Investing | -1.53B | -1.92B | -1.13B | -1.82B | -153M | -3.06B | -2.26B | -1.7B | 0 |
| Purchase of Investments | -2.33B | -1.59B | -1.15B | -2.66B | -3.13B | -2.08B | -1.2B | -1.7B | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | -2.33B | -1.59B | -1.15B | -2.66B | -3.13B | -2.08B | -1.2B | -1.7B | 0 |
| Acquisitions | 196.96M | 134M | 0 | 0 | 0 | 188M | 0 | 0 | 0 |
| Other Investing | -1.15B | -1.39B | -1.17B | -2.07B | 558M | -2.83B | -2.44B | -1.31B | 0 |
| Cash from Financing | 1.36B | 1.32B | 983M | 2.49B | 1.73B | 18M | 1.74B | 1.9B | 0 |
| Dividends Paid | -151M | -165M | -165M | -165M | -164M | -179M | -182M | -177M | 0 |
| Share Repurchases | 0 | 0 | 0 | -38M | -43M | -43M | -36M | -3M | 0 |
| Stock Issued | 11M | 14M | 12M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 11M | 14M | 12M | -38M | -43M | -43M | -36M | -3M | 0 |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 0 |
| Other Financing | 1.16B | 1.06B | 1.33B | 4.35B | 2.62B | 269M | -54M | 2.41B | 0 |
| Net Change in Cash | 108M▲ 0% | 9M▼ 91.7% | 111M▲ 1133.3% | 784M▲ 606.3% | 2.11B▲ 169.1% | -1.82B▼ 186.2% | -98M▲ 94.6% | 843M▲ 960.2% | -2.42B▼ 387.0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 371.41M | 479M | 488M | 599M | 1.38B | 3.49B | 1.67B | 1.58B | 2.42B |
| Cash at End | 479.44M | 488M | 599M | 1.38B | 3.49B | 1.67B | 1.58B | 2.42B | 0 |
| Interest Paid | 0 | 0 | 0 | 0 | 101M | 144M | 619M | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 74M | 81M | 94M | 0 | 0 |
| Free Cash Flow | 222M▲ 0% | 576M▲ 159.5% | 213M▼ 63.0% | 72M▼ 66.2% | 472M▲ 555.6% | 1.12B▲ 137.9% | 335M▼ 70.2% | 503M▲ 50.1% | 0▼ 100.0% |
| FCF Growth % | -4.72% | 159.46% | -63.02% | -66.2% | 555.56% | 137.92% | -70.17% | 50.15% | -100% |
FNB Banking Ratios
F.N.B. Corporation (FNB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 7.33% | 5.7% | 8.27% | 8.16% | 5.81% | 8.01% | 8.13% | 8.29% | 7.53% | 8.66% |
| Return on Assets (ROA) | 0.87% | 0.75% | 1.16% | 1.14% | 0.79% | 1.05% | 1.05% | 1.08% | 0.98% | 1.14% |
| Net Interest Margin | 2.8% | 2.69% | 2.82% | 2.65% | 2.47% | 2.3% | 2.56% | 2.85% | 2.63% | 2.83% |
| Efficiency Ratio | 58.07% | 55.28% | 48.06% | 45.17% | 53.23% | 54.91% | 51.37% | 41.09% | 37.42% | 37.47% |
| Equity / Assets | 11.77% | 14.03% | 13.92% | 14.11% | 13.28% | 13.03% | 12.93% | 13.11% | 12.96% | 13.46% |
| Book Value / Share | 12.38 | 14.51 | 14.15 | 14.98 | 15.24 | 15.92 | 15.97 | 16.67 | 17.38 | 18.67 |
| NII Growth | 22.85% | 38.24% | 10.17% | -1.61% | 0.55% | -1.63% | 23.48% | 17.59% | -2.81% | 10.88% |
| Dividend Payout | 59.65% | 71.86% | 42.09% | 40.57% | 54.9% | 38.52% | 38.95% | 35.88% | 37.63% | - |
FNB SEC Filings & Documents
F.N.B. Corporation (FNB) SEC filings — annual & quarterly reports (10-K, 10-Q)
FNB Frequently Asked Questions
F.N.B. Corporation (FNB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
F.N.B. Corporation (FNB) grew revenue by 4.9% over the past year. Growth has been modest.
Yes, F.N.B. Corporation (FNB) is profitable, generating $565.2M in net income for fiscal year 2025 (21.0% net margin).
Dividend & Returns
F.N.B. Corporation (FNB) has a return on equity (ROE) of 8.7%. This is below average, suggesting room for improvement.
Industry Metrics
F.N.B. Corporation (FNB) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
F.N.B. Corporation (FNB) has an efficiency ratio of 37.5%. This is excellent, indicating strong cost control.
Explore More FNB
F.N.B. Corporation (FNB) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates