What is F N B Corp's earnings per share (EPS)?

F N B Corp (FNB) reported diluted earnings per share of $1.56 for fiscal year 2025. This represents a 22.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

F N B Corp Financials

FNB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows F N B Corp (FNB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 58/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

F N B Corp's revenue grew a modest 3.3% year-over-year to $2.3B. This slow but positive growth earns a score of 39/100.

Leverage

F N B Corp carries a low D/E ratio of 0.28, meaning only $0.28 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 96/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

F N B Corp converts 16.2% of revenue into free cash flow ($376.0M). This strong cash generation earns a score of 65/100.

Returns

F N B Corp's ROE of 8.4% shows moderate profitability relative to equity, earning a score of 30/100. This is up from 7.4% the prior year.

Piotroski F-Score Neutral

5/9

F N B Corp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.85x

For every $1 of reported earnings, F N B Corp generates $0.85 in operating cash flow ($482.0M OCF vs $565.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.3B

YoY+3.3%

5Y CAGR+15.5%

10Y CAGR+15.6%

F N B Corp generated $2.3B in revenue in fiscal year 2025. This represents an increase of 3.3% from the prior year.

EBITDA

N/A

Net Income

$565.0M

YoY+21.5%

5Y CAGR+14.6%

10Y CAGR+13.5%

F N B Corp reported $565.0M in net income in fiscal year 2025. This represents an increase of 21.5% from the prior year.

EPS (Diluted)

$1.56

YoY+22.8%

5Y CAGR+12.9%

10Y CAGR+6.1%

F N B Corp earned $1.56 per diluted share (EPS) in fiscal year 2025. This represents an increase of 22.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$376.0M

YoY-25.2%

5Y CAGR+39.2%

10Y CAGR+5.8%

F N B Corp generated $376.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 25.2% from the prior year.

Cash & Debt

$2.5B

YoY+3.3%

5Y CAGR+12.6%

10Y CAGR+17.7%

F N B Corp held $2.5B in cash against $1.9B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.48

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+0.0%

F N B Corp paid $0.48 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

357M

YoY-0.6%

5Y CAGR+2.1%

F N B Corp had 357M shares outstanding in fiscal year 2025. This represents a decrease of 0.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.3%

YoY+3.6pp

5Y CAGR-1.0pp

10Y CAGR-4.9pp

F N B Corp's net profit margin was 24.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.6 percentage points from the prior year.

Return on Equity

8.4%

YoY+1.0pp

5Y CAGR+2.6pp

10Y CAGR+0.7pp

F N B Corp's ROE was 8.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$50.0M

YoY+1566.7%

5Y CAGR+5.6%

F N B Corp spent $50.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1566.7% from the prior year.

Capital Expenditures

$106.0M

YoY-23.7%

5Y CAGR+20.9%

10Y CAGR+27.0%

F N B Corp invested $106.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 23.7% from the prior year.

FNB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$2.3B+3.3%	$2.3B+14.1%	$2.0B+53.5%	$1.3B+27.9%	$1.0B-11.1%	$1.1B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$930.0M-4.3%	$972.0M+48.2%	$656.0M+297.6%	$165.0M+68.4%	$98.0M-52.9%	$208.0M
Income Tax	$104.0M+15.6%	$90.0M-9.1%	$99.0M-13.2%	$114.0M+16.3%	$98.0M+71.9%	$57.0M
Net Income	$565.0M+21.5%	$465.0M-4.1%	$485.0M+10.5%	$439.0M+8.4%	$405.0M+41.6%	$286.0M
EPS (Diluted)	$1.56+22.8%	$1.27-3.1%	$1.31+7.4%	$1.22-0.8%	$1.23+44.7%	$0.85

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$588.0M-1.3%	$596.0M+2.2%	$583.0M+4.3%	$559.0M-1.8%	$569.0M-2.4%	$583.0M+4.7%	$557.0M+2.6%	$543.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$222.0M-6.3%	$237.0M+0.9%	$235.0M-0.4%	$236.0M-4.5%	$247.0M-5.0%	$260.0M+7.9%	$241.0M+7.6%	$224.0M
Income Tax	-$3.0M-107.5%	$40.0M+11.1%	$36.0M+16.1%	$31.0M+487.5%	-$8.0M-126.7%	$30.0M-11.8%	$34.0M0.0%	$34.0M
Net Income	$168.0M+12.0%	$150.0M+15.4%	$130.0M+11.1%	$117.0M+6.4%	$110.0M0.0%	$110.0M-10.6%	$123.0M+0.8%	$122.0M
EPS (Diluted)	N/A	$0.41+13.9%	$0.36+12.5%	$0.32	N/A	$0.30-11.8%	$0.34+6.3%	$0.32

FNB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$50.2B+3.3%	$48.6B+5.3%	$46.2B+5.6%	$43.7B+10.7%	$39.5B+5.8%	$37.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.5B+3.3%	$2.4B+53.5%	$1.6B-5.9%	$1.7B-52.1%	$3.5B+152.6%	$1.4B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.5B+0.1%	$2.5B0.0%	$2.5B0.0%	$2.5B+9.5%	$2.3B0.0%	$2.3B
Total Liabilities	$43.5B+2.7%	$42.3B+5.5%	$40.1B+5.3%	$38.1B+10.8%	$34.4B+6.1%	$32.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.9B-36.9%	$3.0B+52.8%	$2.0B+80.3%	$1.1B+60.3%	$682.0M-37.7%	$1.1B
Total Equity	$6.8B+7.3%	$6.3B+4.2%	$6.0B+7.0%	$5.7B+9.8%	$5.2B+3.9%	$5.0B
Retained Earnings	$2.3B+20.0%	$2.0B+17.0%	$1.7B+21.8%	$1.4B+23.4%	$1.1B+27.7%	$869.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$50.2B+0.7%	$49.9B+0.3%	$49.7B+1.4%	$49.0B+0.8%	$48.6B+1.4%	$48.0B+0.5%	$47.7B+4.0%	$45.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.5B+3.5%	$2.4B-0.6%	$2.4B-0.7%	$2.4B+1.1%	$2.4B+16.4%	$2.1B+10.5%	$1.9B+26.4%	$1.5B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.5B0.0%	$2.5B0.0%	$2.5B+0.1%	$2.5B0.0%	$2.5B0.0%	$2.5B0.0%	$2.5B0.0%	$2.5B
Total Liabilities	$43.5B+0.5%	$43.3B+0.1%	$43.2B+1.4%	$42.6B+0.7%	$42.3B+1.4%	$41.7B+0.2%	$41.6B+4.3%	$39.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.9B-9.4%	$2.1B-22.0%	$2.7B+7.1%	$2.5B-16.5%	$3.0B+19.8%	$2.5B+24.8%	$2.0B-5.0%	$2.1B
Total Equity	$6.8B+1.9%	$6.6B+1.7%	$6.5B+1.7%	$6.4B+1.8%	$6.3B+0.8%	$6.2B+2.6%	$6.1B+1.4%	$6.0B
Retained Earnings	$2.3B+5.6%	$2.2B+5.0%	$2.1B+4.3%	$2.0B+3.7%	$2.0B+3.5%	$1.9B+3.6%	$1.8B+4.6%	$1.7B

FNB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$482.0M-24.9%	$642.0M+51.8%	$423.0M-65.3%	$1.2B+129.8%	$530.0M+369.0%	$113.0M
Capital Expenditures	$106.0M-23.7%	$139.0M+58.0%	$88.0M-7.4%	$95.0M+63.8%	$58.0M+41.5%	$41.0M
Free Cash Flow	$376.0M-25.2%	$503.0M+50.1%	$335.0M-70.2%	$1.1B+137.9%	$472.0M+555.6%	$72.0M
Investing Cash Flow	-$1.5B+12.7%	-$1.7B+24.7%	-$2.3B+26.0%	-$3.1B-1896.7%	-$153.0M+91.6%	-$1.8B
Financing Cash Flow	$1.1B-43.1%	$1.9B+9.4%	$1.7B+9566.7%	$18.0M-99.0%	$1.7B-30.5%	$2.5B
Dividends Paid	$174.0M-0.6%	$175.0M+0.6%	$174.0M+1.8%	$171.0M+9.6%	$156.0M-0.6%	$157.0M
Share Buybacks	$50.0M+1566.7%	$3.0M-91.7%	$36.0M-16.3%	$43.0M0.0%	$43.0M+13.2%	$38.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$128.0M-23.4%	$167.0M+35.8%	$123.0M+92.2%	$64.0M-80.4%	$326.0M+2428.6%	-$14.0M-116.5%	$85.0M-65.3%	$245.0M
Capital Expenditures	$29.0M+61.1%	$18.0M-52.6%	$38.0M+81.0%	$21.0M-56.3%	$48.0M+50.0%	$32.0M+6.7%	$30.0M+3.4%	$29.0M
Free Cash Flow	$99.0M-33.6%	$149.0M+75.3%	$85.0M+97.7%	$43.0M-84.5%	$278.0M+704.3%	-$46.0M-183.6%	$55.0M-74.5%	$216.0M
Investing Cash Flow	-$215.0M+16.0%	-$256.0M+62.4%	-$681.0M-103.3%	-$335.0M+28.7%	-$470.0M-1616.1%	$31.0M+102.3%	-$1.3B-1863.2%	$76.0M
Financing Cash Flow	$172.0M+129.3%	$75.0M-86.1%	$540.0M+81.8%	$297.0M-38.8%	$485.0M+168.0%	$181.0M-89.0%	$1.6B+502.0%	-$410.0M
Dividends Paid	$43.0M-2.3%	$44.0M+2.3%	$43.0M-2.3%	$44.0M0.0%	$44.0M0.0%	$44.0M+2.3%	$43.0M-2.3%	$44.0M
Share Buybacks	$18.0M+50.0%	$12.0M+20.0%	$10.0M0.0%	$10.0M	$0	$0-100.0%	$3.0M	$0

FNB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.3%+3.6pp	20.6%-3.9pp	24.6%-9.6pp	34.2%-6.1pp	40.3%+15.0pp	25.3%
Return on Equity	8.4%+1.0pp	7.4%-0.6pp	8.0%+0.2pp	7.8%-0.1pp	7.9%+2.1pp	5.8%
Return on Assets	1.1%+0.2pp	1.0%-0.1pp	1.1%+0.1pp	1.0%-0.0pp	1.0%+0.3pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.28-0.2	0.48+0.2	0.33+0.1	0.19+0.1	0.13-0.1	0.22
FCF Margin	16.2%-6.2pp	22.3%+5.4pp	17.0%-70.4pp	87.4%+40.4pp	47.0%+40.6pp	6.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.6%+3.4pp	25.2%+2.9pp	22.3%+1.4pp	20.9%+1.6pp	19.3%+0.5pp	18.9%-3.2pp	22.1%-0.4pp	22.5%
Return on Equity	2.5%+0.2pp	2.3%+0.3pp	2.0%+0.2pp	1.8%+0.1pp	1.8%0.0pp	1.8%-0.3pp	2.0%0.0pp	2.0%
Return on Assets	0.3%+0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%-0.0pp	0.3%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.28-0.0	0.32-0.1	0.41+0.0	0.39-0.1	0.48+0.1	0.40+0.1	0.33-0.0	0.35
FCF Margin	16.8%-8.2pp	25.0%+10.4pp	14.6%+6.9pp	7.7%-41.2pp	48.9%+56.8pp	-7.9%-17.8pp	9.9%-29.9pp	39.8%

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Frequently Asked Questions

What is F N B Corp's annual revenue?

F N B Corp (FNB) reported $2.3B in total revenue for fiscal year 2025. This represents a 3.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is F N B Corp's revenue growing?

F N B Corp (FNB) revenue grew by 3.3% year-over-year, from $2.3B to $2.3B in fiscal year 2025.

Is F N B Corp profitable?

Yes, F N B Corp (FNB) reported a net income of $565.0M in fiscal year 2025, with a net profit margin of 24.3%.

How much debt does F N B Corp have?

As of fiscal year 2025, F N B Corp (FNB) had $2.5B in cash and equivalents against $1.9B in long-term debt.

What is F N B Corp's net profit margin?

F N B Corp (FNB) had a net profit margin of 24.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does F N B Corp pay dividends?

Yes, F N B Corp (FNB) paid $0.48 per share in dividends during fiscal year 2025.

What is F N B Corp's return on equity (ROE)?

F N B Corp (FNB) has a return on equity of 8.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is F N B Corp's free cash flow?

F N B Corp (FNB) generated $376.0M in free cash flow during fiscal year 2025. This represents a -25.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is F N B Corp's operating cash flow?

F N B Corp (FNB) generated $482.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are F N B Corp's total assets?

F N B Corp (FNB) had $50.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are F N B Corp's capital expenditures?

F N B Corp (FNB) invested $106.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does F N B Corp buy back shares?

Yes, F N B Corp (FNB) spent $50.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does F N B Corp have outstanding?

F N B Corp (FNB) had 357M shares outstanding as of fiscal year 2025.

What is F N B Corp's debt-to-equity ratio?

F N B Corp (FNB) had a debt-to-equity ratio of 0.28 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is F N B Corp's return on assets (ROA)?

F N B Corp (FNB) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is F N B Corp's Piotroski F-Score?

F N B Corp (FNB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are F N B Corp's earnings high quality?

F N B Corp (FNB) has an earnings quality ratio of 0.85x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is F N B Corp?

F N B Corp (FNB) scores 58 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.