F.N.B. Corporation (FNB) Earnings History
Annual and quarterly earnings data from 1990 to 2025
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FNB EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
FNB Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 62.3% | 24.8% | 21.0% |
| 2024 | 59.0% | 21.6% | 18.1% |
| 2023 | 67.3% | 26.2% | 21.8% |
| 2022 | 85.8% | 34.4% | 27.3% |
| 2021 | 92.6% | 37.7% | 30.3% |
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F.N.B. Corporation (FNB) Earnings Overview
As of May 8, 2026, F.N.B. Corporation (FNB) reported trailing twelve-month net income of $565M, reflecting +22.8% year-over-year growth. The company earned $1.56 per diluted share over the past four quarters, with a net profit margin of 21.0%.
Looking at the long-term picture, FNB's 5-year EPS compound annual growth rate (CAGR) stands at +12.9%, showing solid earnings momentum. The company achieved its highest annual net income of $565M in fiscal 2025, representing a new all-time high.
F.N.B. Corporation maintains industry-leading profitability with a gross margin of 62.3%, operating margin of 24.8%, and net margin of 21.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including UMBF ($883M net income, 15.8% margin), WTFC ($824M net income, 19.5% margin), SNV ($800M net income, 14.1% margin), FNB has outperformed on profitability metrics. Compare FNB vs UMBF →
FNB Earnings vs Peers
Earnings metrics vs comparable public companies
FNB Historical Earnings Data (1990–2025)
36 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $565M | +21.6% | $669M | $1.56 | 21.0% | 24.8% |
| 2024 | $465M | -4.1% | $555M | $1.27 | 18.1% | 21.6% |
| 2023 | $485M | +10.5% | $584M | $1.31 | 21.8% | 26.2% |
| 2022 | $439M | +8.4% | $553M | $1.22 | 27.3% | 34.4% |
| 2021 | $405M | +41.6% | $503M | $1.23 | 30.3% | 37.7% |
| 2020 | $286M | -26.1% | $343M | $0.85 | 19.8% | 23.8% |
| 2019 | $387M | +3.8% | $471M | $1.16 | 25.1% | 30.6% |
| 2018 | $373M | +87.4% | $452M | $1.12 | 25.8% | 31.3% |
| 2017 | $199M | +16.4% | $356M | $0.63 | 16.2% | 28.9% |
| 2016 | $171M | +7.1% | $246M | $0.78 | 19.4% | 28.0% |
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Start ComparisonFNB — Frequently Asked Questions
Quick answers to the most common questions about buying FNB stock.
Is FNB growing earnings?
FNB EPS is $1.56, with earnings growth accelerating to +22.8%. This exceeds the 5-year CAGR of +12.9%. TTM net income reached $565M.
What are FNB's profit margins?
F.N.B. Corporation net margin is +21.0%, with operating margin at +24.8%. Above-average margins indicate pricing power.
How consistent are FNB's earnings?
FNB earnings data spans 1990-2025. The accelerating earnings trend is +22.8% YoY. Historical data enables comparison across business cycles.