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F.N.B. Corporation(FNB)Earnings, Financials & Key Ratios
FNB•NYSE•Banking & Credit
11.7× P/E·Price updated Jun 19, 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%
FNB Key Insights
F.N.B. Corporation (FNB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 37.5% efficiency ratio
- ✓Well capitalized: 13.5% equity/assets
- ✓Healthy dividend yield of 2.6%
- ✓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.
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FNB Price & Volume
F.N.B. Corporation (FNB) stock price & volume — 10-year historical chart
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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, 2026Metric
Actual
Est
EPS
$0.38+0.0%
$0.38
Rev
$450M-0.8%
$454M
Q1 2026
Jan 20, 2026Metric
Actual
Est
EPS
$0.50+22.0%
$0.41
Rev
$458M-0.1%
$458M
Q4 2025
Oct 16, 2025Metric
Actual
Est
EPS
$0.41+9.5%
$0.37
Rev
$457M+2.1%
$448M
Q3 2025
Jul 17, 2025Metric
Actual
Est
EPS
$0.36+9.1%
$0.33
Rev
$438M+3.3%
$424M
| 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 | 10.13B | 133.06 | 14.57 | 68.52% | 19.79% | 11.67% | 0.49 | |
 WTFC | 10.39B | 154.11 | 13.33 | 6.66% | 19.48% | 11.71% | 0.62 | |
 SNV | 6.95B | 50.05 | 16.52 | 1.16% | 24.05% | 14.45% | 0.35 | |
 IBOC | 4.57B | 73.56 | 11.11 | 1.03% | 39.31% | 13.16% | 0.22 | |
 WSFS | 3.91B | 74.14 | 14.57 | -3.05% | 21.14% | 10.65% | 0.11 | |
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 CBSH | 8.04B | 54.73 | 13.41 | 2.23% | 26.47% | 15.34% | 0.79 | |
 FULT | 4.41B | 22.90 | 11.01 | 5.03% | 20.7% | 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
| Metric | 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
| Metric | 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
| Metric | 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 | 482M |
Operating CF Growth % | -4.78% | 119% | -57.61% | -56.37% | 369.03% | 129.81% | -65.27% | 51.77% | -24.92% |
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 | 100.61M |
Working Capital Changes | -27M | -9M | -14M | 5M | 14M | -27M | -3M | -9M | -184M |
Cash from Investing | -1.53B | -1.92B | -1.13B | -1.82B | -153M | -3.06B | -2.26B | -1.7B | -1.49B |
Purchase of Investments | -2.33B | -1.59B | -1.15B | -2.66B | -3.13B | -2.08B | -1.2B | -1.7B | 0 |
Sale/Maturity of Investments | 1.81B | 962M | 1.24B | 2.95B | 2.48B | 1.76B | 1.47B | 1.45B | 0 |
Net Investment Activity | -519.42M | -625M | 89M | 286M | -653M | -317M | 269M | -250M | 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 | -1.49B |
Cash from Financing | 1.36B | 1.32B | 983M | 2.49B | 1.73B | 18M | 1.74B | 1.9B | 1.08B |
Dividends Paid | -151M | -165M | -165M | -165M | -164M | -179M | -182M | -177M | -174M |
Share Repurchases | 0 | 0 | 0 | -38M | -43M | -43M | -36M | -3M | -50M |
Stock Issued | 11M | 14M | 12M | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 11M | 14M | 12M | -38M | -43M | -43M | -36M | -3M | -50M |
Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K |
Other Financing | 1.16B | 1.06B | 1.33B | 4.35B | 2.62B | 269M | -54M | 2.41B | 1.66B |
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% | 79M▼ 90.6% |
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 | 2.5B |
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% | 376M▼ 25.2% |
FCF Growth % | -4.72% | 159.46% | -63.02% | -66.2% | 555.56% | 137.92% | -70.17% | 50.15% | -25.25% |
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% | 30.78% |
Related:FNB Dividend History·FNB Revenue History·FNB Price History·FNB P/E History·FNB Financial Ratios·FNB Institutional Holders
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
Yes, F.N.B. Corporation (FNB) pays a dividend with a yield of 2.64%. This makes it attractive for income-focused investors.
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.