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F.N.B. Corporation (FNB) Total Return Calculator with Dividends Reinvested

F.N.B. Corporation

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The total return for F.N.B. Corporation (FNB) stock is +38.30% over the past 12 months. So far it's up 6.52% this year. The 5-year total return is +52.29%, meaning $10,000 invested in FNB stock 5 years ago would be worth $15,229 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in FNB 1 year ago, it would be worth $13,886 today — you'd have gained $3,886 with dividends reinvested.

With Dividends Reinvested$13,886+38.86%

Price Only (No DRIP)$13,474+34.74%

Dividend Boost+$4124 payments · +4.12% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in FNB

1Y$13,830+$3,830 (+38.3%)38.3% CAGR

3Y$18,571+$8,571 (+85.7%)22.9% CAGR

5Y$15,229+$5,229 (+52.3%)8.8% CAGR

10Y$18,088+$8,088 (+80.9%)6.1% CAGR

15Y$22,569+$12,569 (+125.7%)5.6% CAGR

20Y$17,724+$7,724 (+77.2%)2.9% CAGR

30Y$121,855+$111,855 (+1118.5%)8.7% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-02	$0.12	$13.68	+0.008772
2025-09-02	$0.12	$16.39	+0.007386
2025-12-01	$0.12	$16.69	+0.007306
2026-03-02	$0.12	$17.23	+0.007128

Loading FNB total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+6.52%	—	+5.82%	+0.70 pp	$10,652
1Y	+38.30%	38.30%	+34.74%	+3.56 pp	$13,830
3Y	+85.71%	22.92%	+72.09%	+13.62 pp	$18,571
5Y	+52.29%	8.78%	+34.54%	+17.75 pp	$15,229
10Y	+80.88%	6.11%	+43.12%	+37.77 pp	$18,088
15Y	+125.69%	5.58%	+61.69%	+64.00 pp	$22,569
20Y	+77.24%	2.90%	+10.85%	+66.39 pp	$17,724
30Y	+1118.55%	8.69%	+320.09%	+798.46 pp	$121,855

Risk & Highlights

Best Year+70.25%1997

Worst Year-49.29%2009

Max Drawdown-16.33%2026-02-09 → 2026-03-18

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-0.47%	-1.16%	+0.7pp	+0.41%	-0.9pp
2025	+20.91%	+17.61%	+3.3pp	+16.64%	+4.3pp
2024	+9.78%	+6.33%	+3.5pp	+24.00%	-14.2pp
2023	+9.45%	+5.76%	+3.7pp	+24.81%	-15.4pp
2022	+8.33%	+4.48%	+3.8pp	-19.95%	+28.3pp

FNB outperformed the S&P 500 by 6.97pp over the past year (+38.30% vs +31.32%).

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FNB Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
FNBF.N.B. Corporation	$6.5B	+6.5%	+6.5%	+38.3%	+3.6pp	+85.7%	+52.3%	+80.9%
UMBFUMB Financial Corporation	$10.2B	+16.4%	+15.4%	+35.5%	+1.7pp	+148.7%	+45.2%	+169.5%
WTFCWintrust Financial Corporation	$10.3B	+9.2%	+7.8%	+36.5%	+1.8pp	+151.0%	+106.0%	+227.7%
SNVSynovus Financial Corp.	$6.9B	—	+0.0%	+14.7%	+2.6pp	+96.3%	+16.0%	+106.4%
IBOCInternational Bancshares Corporation	$4.5B	+6.3%	+9.6%	+19.0%	+2.3pp	+86.9%	+61.1%	+227.0%
WSFSWSFS Financial Corporation	$3.8B	+7.0%	+31.3%	+37.4%	+1.3pp	+135.5%	+43.1%	+128.7%
FFINFirst Financial Bankshares, Inc.	$4.6B	+7.3%	+9.2%	-2.5%	+2.2pp	+29.9%	-29.0%	+146.6%
CBSHCommerce Bancshares, Inc.	$7.7B	+5.1%	+1.1%	-13.6%	+1.8pp	+20.3%	-13.6%	+104.0%
FULTFulton Financial Corporation	$4.2B	+4.9%	+12.9%	+31.9%	+4.3pp	+133.8%	+43.3%	+107.7%
NBTBNBT Bancorp Inc.	$2.4B	+3.5%	+9.6%	+9.3%	+3.4pp	+54.5%	+29.5%	+102.2%
TRMKTrustmark Corporation	$2.6B	+4.2%	+15.5%	+33.0%	+2.8pp	+118.6%	+47.4%	+127.3%

Compare:FNB vs UMBF FNB vs WTFC FNB vs SNV FNB vs UMBF vs WTFC

About FNB Dividend Returns

F.N.B. Corporation (FNB) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of FNB over the past year?

F.N.B. Corporation (FNB) delivered a total return of 38.30% over the past year when dividends are reinvested. The price-only return was 34.74%, meaning dividends contributed an additional 3.56 percentage points to total returns.

Q2How much would $10,000 invested in FNB be worth today?

A $10,000 investment in F.N.B. Corporation one year ago would be worth $13,830 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $13,474. Dividend reinvestment added $356 to the portfolio value.

Q3Does FNB pay dividends?

Yes, F.N.B. Corporation (FNB) pays dividends. In the last year, FNB paid approximately $0.00 per share in dividends. Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did FNB beat the S&P 500?

Yes, F.N.B. Corporation (FNB) outperformed the S&P 500 by 6.97 percentage points over the past year. FNB delivered a total return of 38.30%, compared to the S&P 500's 31.32%. This 6.97pp alpha means investors in FNB earned more than a passive S&P 500 index fund.

Q5What is FNB's worst drawdown?

F.N.B. Corporation (FNB) experienced a maximum drawdown of -16.33% over the past year, declining from its peak on 2026-02-09 to its trough on 2026-03-18. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is FNB's long-term total return over 10, 20, or 30 years?

Here are F.N.B. Corporation (FNB)'s long-term returns with dividends reinvested. Over 10 years, the total return is 80.9% (6.1% CAGR) — $10,000 would have grown to $18,088. Over 20 years: 77.2% total return (2.9% CAGR) — $10,000 → $17,724. Over 30 years: 1118.5% total return (8.7% CAGR) — $10,000 → $121,855. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was FNB's best and worst year?

F.N.B. Corporation's best calendar year was 1997 with a total return of 70.3%. Its worst year was 2009 with a total return of -49.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 119.5 percentage points.