Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.46 | 10.01 | 11.36 | 11.00 | 9.10 | 9.82 | 10.13 | 10.51 | 12.32 | 11.76 | 10.06 | 11.02 | 26.48 | 6.74 | 7.33 | 7.25 | 8.59 | 7.63 | 9.05 | 20.75 | 10.11 |
| — | +1.9% | +12.2% | +4.7% | -26.2% | -16.5% | +0.7% | -4.6% | -53.5% | +74.4% | +37.2% | +51.9% | +208.4% | -11.6% | -19.0% | -65.1% | -15.1% | -10.7% | -9.0% | +83.0% | -6.4% | |
| P/S Ratio | 3.46 | 3.26 | 3.68 | 3.34 | 3.38 | 3.19 | 3.01 | 2.98 | 3.63 | 3.10 | 3.07 | 3.14 | 3.81 | 2.40 | 2.53 | 2.54 | 2.81 | 2.71 | 2.87 | 3.48 | 3.23 |
| — | +2.1% | +22.5% | +12.3% | -6.8% | +2.7% | -2.0% | -5.1% | -4.8% | +29.3% | +21.3% | +23.3% | +35.5% | -11.3% | -11.7% | -26.9% | -13.0% | -7.7% | -11.4% | +3.3% | +33.3% | |
| P/B Ratio | 0.96 | 0.90 | 1.00 | 0.89 | 0.92 | 0.88 | 0.81 | 0.76 | 0.86 | 0.82 | 0.81 | 0.85 | 0.85 | 0.66 | 0.71 | 0.73 | 0.83 | 0.76 | 0.71 | 0.80 | 0.76 |
| — | +2.1% | +23.2% | +16.1% | +6.6% | +7.3% | -0.6% | -10.4% | +0.8% | +23.6% | +14.3% | +16.4% | +3.1% | -13.0% | +0.6% | -8.4% | +8.6% | +3.4% | -10.5% | -3.7% | +22.2% | |
| P/FCF | 8.81 | 6.11 | 7.07 | 11.32 | 15.63 | 9.78 | 15.53 | 28.47 | 4.87 | — | 22.55 | 5.92 | — | 3.45 | 10.07 | — | 7.30 | 3.20 | 3.10 | 3.28 | 7.48 |
| — | -37.5% | -54.5% | -60.2% | +221.1% | — | -31.1% | +381.1% | — | — | +124.0% | — | — | +7.6% | +225.2% | — | -2.4% | -75.1% | -81.0% | -34.1% | +80.3% | |
| EV / EBITDA | 9.50 | 11.79 | 13.33 | 12.35 | 10.13 | 8.92 | 10.03 | 10.49 | 15.13 | 11.33 | 12.45 | 11.50 | 26.50 | 8.61 | 8.52 | 7.34 | 7.00 | 5.59 | 6.25 | 8.00 | 4.93 |
| — | +32.3% | +32.9% | +17.8% | -33.0% | -21.3% | -19.4% | -8.8% | -42.9% | +31.6% | +46.1% | +56.8% | +278.5% | +54.0% | +36.3% | -8.3% | +41.9% | +44.3% | -10.6% | -12.3% | -67.0% | |
| EV / EBIT | 11.64 | 11.79 | 15.11 | 13.98 | 11.48 | 9.76 | 11.18 | 11.77 | 17.80 | 12.70 | 13.88 | 12.53 | 34.13 | 9.60 | 9.52 | 8.18 | 7.76 | 6.20 | 7.16 | 9.80 | 5.37 |
| — | +20.8% | +35.1% | +18.8% | -35.5% | -23.2% | -19.4% | -6.1% | -47.9% | +32.2% | +45.7% | +53.2% | +340.1% | +54.9% | +32.9% | -16.5% | +44.4% | +63.8% | +1.6% | +6.4% | -60.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.1% | 95.8% | 95.4% | 95.9% | 95.9% | 94.7% | 94.1% | 95.8% | 93.8% | 94.4% | 95.0% | 96.4% | 95.9% | 93.9% | 95.4% | 96.6% | 93.3% | 96.8% | 98.2% | 94.2% | 100.7% |
| — | +1.1% | +1.4% | +0.1% | +2.2% | +0.4% | -1.0% | -0.6% | -2.1% | +0.5% | -0.4% | -0.2% | +2.8% | -3.0% | -2.9% | +2.6% | -7.4% | -3.8% | -2.1% | -3.9% | +6.4% | |
| Operating Margin | 37.9% | 47.4% | 40.6% | 38.6% | 36.2% | 41.6% | 37.8% | 35.8% | 27.3% | 34.0% | 38.9% | 38.3% | 17.5% | 40.3% | 43.7% | 43.8% | 42.4% | 45.5% | 40.8% | 21.5% | 40.6% |
| — | +14.1% | +7.5% | +7.8% | +32.4% | +22.4% | -2.7% | -6.5% | +56.7% | -15.7% | -11.0% | -12.5% | -58.8% | -11.4% | +7.1% | +103.7% | +4.5% | +5.6% | -1.1% | -42.9% | +51.9% | |
| Net Margin | 32.0% | 32.6% | 32.1% | 30.4% | 36.9% | 32.8% | 29.6% | 28.3% | 29.5% | 26.7% | 30.4% | 29.9% | 15.1% | 35.7% | 34.7% | 35.3% | 33.5% | 36.3% | 32.4% | 17.0% | 32.7% |
| — | -0.7% | +8.5% | +7.4% | +25.0% | +22.9% | -2.7% | -5.4% | +95.4% | -25.1% | -12.1% | -15.2% | -55.0% | -1.8% | +6.8% | +108.0% | +2.5% | +4.7% | -2.0% | -44.1% | +44.0% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.7% | 2.2% | 2.2% | 2.0% | 2.5% | 2.3% | 2.0% | 1.8% | 1.8% | 1.8% | 2.0% | 2.0% | 0.9% | 2.5% | 2.4% | 2.6% | 2.5% | 2.5% | 2.0% | 1.0% | 1.9% |
| — | -1.8% | +8.5% | +10.3% | +43.7% | +27.9% | -1.2% | -9.5% | +105.2% | -28.0% | -16.9% | -21.2% | -66.0% | -2.7% | +22.1% | +156.7% | +30.1% | +16.2% | -1.6% | -46.5% | +32.6% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.1% | 0.3% |
| — | -1.5% | +11.2% | +13.9% | +48.0% | +31.0% | +0.2% | -10.0% | +104.6% | -28.4% | -17.7% | -20.8% | -65.4% | -1.9% | +22.7% | +157.4% | +28.3% | +14.7% | -1.8% | -47.0% | +30.0% | |
| ROIC | 4.7% | 1.4% | 1.2% | 1.2% | 1.2% | 1.3% | 1.1% | 1.0% | 0.7% | 1.0% | 1.1% | 1.1% | 0.4% | 1.2% | 1.4% | 1.6% | 1.7% | 1.7% | 1.4% | 0.7% | 1.2% |
| — | +8.7% | +9.4% | +17.2% | +59.3% | +37.7% | +5.4% | -8.8% | +69.2% | -22.1% | -22.3% | -28.2% | -73.8% | -27.4% | +1.7% | +133.9% | +33.6% | +23.1% | +9.4% | -39.1% | +56.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.58 | 0.71 | 0.73 | 0.61 | 0.58 | 0.60 | 0.70 | 0.70 | 0.68 | 0.65 | 0.92 | 0.70 | 0.74 | 0.68 | 0.75 | 0.60 | 0.44 | 0.45 | 0.39 | 0.39 | 0.43 |
| — | +16.9% | +3.8% | -12.5% | -14.4% | -7.5% | -24.3% | +0.0% | -8.5% | -4.7% | +23.1% | +17.3% | +69.7% | +50.8% | +94.2% | +51.5% | +1.2% | -5.5% | -23.2% | -29.6% | -26.3% | |
| Debt / EBITDA | 5.25 | 21.58 | 23.33 | 21.11 | 20.87 | 19.25 | 24.69 | 27.12 | 35.57 | 25.97 | 32.18 | 24.68 | 58.91 | 22.04 | 21.86 | 16.98 | 12.64 | 12.78 | 13.39 | 26.07 | 16.55 |
| — | +12.1% | -5.5% | -22.1% | -41.3% | -25.9% | -23.3% | +9.9% | -39.6% | +17.8% | +47.2% | +45.3% | +366.0% | +72.5% | +63.2% | -34.9% | -23.6% | -29.5% | -32.4% | +8.9% | -56.0% | |
| Current Ratio | 1.01 | 0.14 | 0.16 | 0.21 | 1.01 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.18 | 0.18 | 0.22 | 0.22 |
| — | -12.0% | -0.0% | +31.2% | +527.6% | -3.9% | +3.2% | +10.0% | +10.1% | +12.1% | +1.1% | -4.1% | -3.8% | -16.7% | -13.2% | -31.4% | -32.2% | -26.1% | -14.2% | +12.1% | +29.5% | |
| Quick Ratio | 1.01 | 0.14 | 0.16 | 0.21 | 1.01 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.18 | 0.18 | 0.22 | 0.22 |
| — | -12.0% | -0.0% | +31.2% | +527.6% | -3.9% | +3.2% | +10.0% | +10.1% | +12.1% | +1.1% | -4.1% | -3.8% | -16.7% | -13.2% | -31.4% | -32.2% | -26.1% | -14.2% | +12.1% | +29.5% | |
| Interest Coverage | 0.72 | 1.01 | 0.89 | 0.83 | 0.75 | 0.80 | 0.71 | 0.62 | 0.41 | 0.54 | 0.65 | 0.70 | 0.29 | 0.88 | 1.16 | 1.70 | 2.41 | 3.76 | 5.27 | 3.35 | 5.86 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying FNB stock.
F.N.B. Corporation's current P/E is 10.5x. The average P/E over the last 4 quarters is 10.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
F.N.B. Corporation's current operating margin is 37.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking F.N.B. Corporation's business trajectory between earnings reports.