F.N.B. Corporation (FNB) Earnings History
Growth Compounder36 years of earnings data (1990–2025) · Consistent double-digit EPS growth over 5 years
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F.N.B. Corporation (FNB) Earnings Overview
As of June 28, 2026, F.N.B. Corporation (FNB) reported trailing twelve-month net income of $586M, reflecting +22.8% year-over-year growth. The company earned $1.63 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 ($862M 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% |
| 2015 | $160M | +10.8% | $230M | $0.86 | 22.5% | 32.4% |
| 2014 | $144M | +22.3% | $207M | $0.80 | 21.7% | 31.2% |
| 2013 | $118M | +6.7% | $163M | $0.80 | 20.6% | 28.4% |
| 2012 | $110M | +26.8% | $154M | $0.79 | 19.7% | 27.5% |
| 2011 | $87M | +16.6% | $119M | $0.70 | 17.2% | 23.6% |
| 2010 | $75M | +81.6% | $103M | $0.65 | 15.4% | 21.1% |
| 2009 | $41M | +15.5% | $50M | $0.32 | 8.2% | 10.0% |
| 2008 | $36M | -48.9% | $43M | $0.44 | 6.9% | 8.3% |
| 2007 | $70M | +3.0% | $98M | $1.15 | 15.5% | 21.8% |
| 2006 | $68M | +22.4% | $97M | $1.14 | 16.0% | 23.0% |
| 2005 | $55M | -10.6% | $77M | $0.98 | 15.6% | 21.7% |
| 2004 | $62M | +5.1% | $89M | $1.29 | 18.6% | 26.9% |
| 2003 | $59M | -7.2% | $36M | $1.25 | 18.1% | 11.1% |
| 2002 | $63M | +19.5% | $45M | $1.35 | 18.5% | 13.2% |
| 2001 | $53M | +20.4% | $76M | $1.17 | 9.6% | 13.8% |
| 2000 | $44M | +8.4% | $64M | $1.35 | 12.0% | 17.7% |
| 1999 | $41M | +23.0% | $58M | $1.49 | 12.9% | 18.4% |
| 1998 | $33M | -8.8% | $49M | $1.24 | 11.6% | 17.3% |
| 1997 | $36M | +65.3% | $40M | $1.53 | 14.9% | 16.6% |
| 1996 | $22M | +21.0% | $33M | $0.99 | 9.7% | 14.6% |
| 1995 | $18M | +34.1% | $27M | $1.49 | 12.0% | 17.8% |
| 1994 | $14M | +28.6% | $20M | $1.12 | 9.7% | 14.5% |
| 1993 | $11M | +54.4% | $15M | $0.87 | 7.4% | 10.6% |
| 1992 | $7M | -32.0% | $10M | $0.48 | 4.9% | 7.0% |
| 1991 | $10M | +9.9% | $14M | $0.79 | 7.4% | 10.1% |
| 1990 | $9M | - | $12M | $0.80 | 7.6% | 9.9% |
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FNB — Frequently Asked Questions
Quick answers to the most common questions about buying FNB stock.
What is FNB earnings per share (EPS)?
FNB trailing twelve-month (TTM) diluted EPS is $1.63, reflecting +22.8% year-over-year growth. The 5-year EPS CAGR is +12.9%. Complete EPS history from 1990 to 2025 is available in the table on this page.
What is F.N.B. Corporation's net income?
F.N.B. Corporation (FNB) trailing twelve-month net income is $586M as of 2025. Earnings grew +22.8% year-over-year. F.N.B. Corporation has been profitable for 36 consecutive years.
Is FNB profitable?
Yes, FNB is profitable with a TTM net income of $586M and a net profit margin of +21.0%. F.N.B. Corporation has generated profits for 36 consecutive years.
What is FNB's earnings growth rate?
FNB compound annual EPS growth rates (CAGR): 1-Year: +22.8%, 3-Year: +8.5%, 5-Year: +12.9%, 10-Year: +6.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1990 to 2025.
What are FNB's profit margins?
F.N.B. Corporation net profit margin is +21.0%, operating margin is +24.8%, and gross margin is +62.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +8.7%.
Is FNB growing earnings?
Yes, FNB earnings are accelerating — EPS growth of +22.8% exceeds the 5-year CAGR of +12.9%. TTM net income reached $586M. Earnings momentum is strengthening.
What was FNB's best earnings year?
F.N.B. Corporation's highest annual net income on record is $565M, achieved in fiscal year 2025. Earnings history on this page spans 1990 to 2025 and includes all annual and quarterly figures.
What were FNB's earnings last quarter?
FNB's most recent reported quarter was Q1 2026. Net income was $137M with diluted EPS of $0.38. For a full breakdown of all quarters, see the quarterly earnings table on this page.