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 (FNB) Financials

FNB

Trailing 12 months to June 30, 2026

Revenue $1.8B +11.8% YoY

Net Income $604.0M +29.3% YoY

EPS (Diluted) $1.68 +30.2% YoY

Free Cash Flow $622.0M +72.8% YoY

Market Cap $6.2B as of Oct 3, 2026

Price / Sales 3.4x on $1.8B revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.3x on $604.0M net income, trailing 12 months to June 30, 2026

Price / Book 0.9x on $6.8B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FNB SEC filings page.

F.N.B. Corp (FNB) reported $1.8B in revenue over the twelve months to Jun 30, 2026, up 11.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI FNB FY2025 2026-10-04

F.N.B. expanded its balance sheet while 2025 earnings recovered, but cash generation remained below reported profit and leverage fluctuated.

In FY2025, net income reached $565M while operating cash flow was $482M; accounting earnings therefore did not translate one-for-one into cash. That divergence points to timing or balance-sheet movements shaping reported cash generation, rather than profitability alone determining available funds.

Assets reached $50.2B in FY2025 while liabilities were $43.5B. This is a liability-funded balance sheet, making funding costs an important driver of earnings even when revenue expands.

Debt-to-equity fell from 0.5x in FY2024 to 0.3x in FY2025, while return on equity improved to 8.4% and return on assets to 1.1%. The combination suggests the latest earnings recovery was accompanied by both lower balance-sheet leverage and more effective use of capital.

Financial Health Signals

Financial Health Score 55/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of F.N.B. Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

F.N.B. Corp earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.0% the prior year. Earnings ranks banks on that return over three years, and F.N.B. Corp scores 64/100 among other banks.

Growth

F.N.B. Corp reported revenue of $1.8B in fiscal year 2025, against $1.6B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and F.N.B. Corp scores 40/100 among other banks.

Capital

F.N.B. Corp funded 13.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $6.8B of equity against $50.2B of assets. Capital ranks banks on that cushion, and F.N.B. Corp scores 72/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. F.N.B. Corp scores 69/100 on it among other banks.

Credit Quality

Not available for F.N.B. Corp, and counted as zero in the overall score.

Stability

F.N.B. Corp reported net income of $565.0M in fiscal year 2025, against $465.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and F.N.B. Corp scores 85/100 among other banks.

Piotroski F-Score Partial

6/7

F.N.B. Corp passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

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

$463.0M

YoY+5.5%

QoQ+2.9%

5Y CAGR+8.5%

10Y CAGR+8.4%

F.N.B. Corp generated $463.0M in revenue in Q2 2026. This represents an increase of 5.5% from the same quarter a year earlier. Against the prior quarter it is up 2.9%.

Net Income

$149.0M

YoY+14.6%

QoQ+8.8%

5Y CAGR+7.9%

10Y CAGR+13.7%

F.N.B. Corp reported $149.0M in net income in Q2 2026. This represents an increase of 14.6% from the same quarter a year earlier. Against the prior quarter it is up 8.8%.

EPS (Diluted)

$0.42

YoY+16.7%

QoQ+10.5%

5Y CAGR+6.3%

10Y CAGR+8.3%

F.N.B. Corp earned $0.42 per diluted share (EPS) in Q2 2026. This represents an increase of 16.7% from the same quarter a year earlier. Against the prior quarter it is up 10.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$241.0M

YoY+183.5%

QoQ+81.2%

5Y CAGR+31.6%

F.N.B. Corp generated $241.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 183.5% from the same quarter a year earlier. Against the prior quarter it is up 81.2%.

Cash & Debt

$2.4B

YoY-2.1%

QoQ-10.7%

5Y CAGR-4.2%

10Y CAGR+19.5%

F.N.B. Corp held $2.4B in cash against $2.0B in long-term debt as of Q2 2026.

Dividends Per Share

$0.13

YoY+8.3%

QoQ+8.3%

5Y CAGR+1.6%

10Y CAGR+0.8%

F.N.B. Corp paid $0.13 per share in dividends in Q2 2026. This represents an increase of 8.3% from the same quarter a year earlier. Against the prior quarter it is up 8.3%.

Shares Outstanding

353M

YoY-1.7%

QoQ-0.8%

5Y CAGR+2.0%

10Y CAGR+5.3%

F.N.B. Corp had 353M shares outstanding in Q2 2026. This represents a decrease of 1.7% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

Margins & Returns

Net Margin

32.2%

YoY+2.6pp

QoQ+1.7pp

5Y change-0.9pp

10Y change+12.1pp

F.N.B. Corp's net profit margin was 32.2% in Q2 2026, showing the share of revenue converted to profit. This is up 2.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.7 percentage points.

Return on Equity

2.2%

YoY+0.2pp

QoQ+0.2pp

5Y change+0.2pp

10Y change+0.6pp

F.N.B. Corp's ROE was 2.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$47.0M

YoY+370.0%

QoQ+34.3%

F.N.B. Corp spent $47.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 370.0% from the same quarter a year earlier. Against the prior quarter it is up 34.3%.

Capital Expenditures

$17.0M

YoY-55.3%

QoQ-5.6%

5Y CAGR-6.7%

10Y CAGR+2.4%

F.N.B. Corp invested $17.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 55.3% from the same quarter a year earlier. Against the prior quarter it is down 5.6%.

R&D Spending

Not reported for Q2 2026.

FNB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FNB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.8B	$1.8B+10.6%	$1.6B+1.6%	$1.6B+8.9%	$1.4B+16.7%	$1.2B+1.7%	$1.2B+0.4%	$1.2B+0.2%	$1.2B+10.0%	$1.1B+35.1%	$813.0M+23.1%	$660.6M+5.8%	$624.6M+17.4%	$531.8M+5.5%	$504.1M+15.5%	$436.4M
SG&A Expenses	$536.0M	$530.0M+5.2%	$504.0M+9.1%	$462.0M+8.5%	$426.0M+1.9%	$418.0M+3.0%	$406.0M+8.3%	$375.0M+1.4%	$370.0M+13.1%	$327.0M+36.3%	$240.0M+18.8%	$202.1M+3.6%	$195.0M+8.4%	$180.0M+7.0%	$168.2M+12.3%	$149.8M
Interest Expense	$881.0M	$930.0M-4.3%	$972.0M+48.2%	$656.0M+297.6%	$165.0M+68.4%	$98.0M-52.9%	$208.0M-37.0%	$330.0M+38.7%	$238.0M+77.6%	$134.0M+100.0%	$67.0M+37.9%	$48.6M+13.8%	$42.7M-3.7%	$44.3M-24.9%	$59.1M-20.9%	$74.6M
Income Tax	$113.0M	$104.0M+15.6%	$90.0M-9.1%	$99.0M-13.2%	$114.0M+16.3%	$98.0M+71.9%	$57.0M-32.1%	$84.0M+6.3%	$79.0M-49.7%	$157.0M+109.3%	$75.0M+7.2%	$70.0M+11.8%	$62.6M+39.9%	$44.8M+2.2%	$43.8M+36.8%	$32.0M
Net Income	$604.0M	$565.0M+21.5%	$465.0M-4.1%	$485.0M+10.5%	$439.0M+8.4%	$405.0M+41.6%	$286.0M-26.1%	$387.0M+3.8%	$373.0M+87.4%	$199.0M+16.4%	$171.0M+7.1%	$159.6M+10.8%	$144.1M+22.3%	$117.8M+6.7%	$110.4M+26.8%	$87.0M
EPS (Basic)	N/A	$1.57+23.6%	$1.27-3.8%	$1.32+7.3%	$1.23-0.8%	$1.24+44.2%	$0.86-26.5%	$1.17+3.5%	$1.13+79.4%	$0.63-20.3%	$0.79-9.2%	$0.87+7.4%	$0.810.0%	$0.81+2.5%	$0.79+12.9%	$0.70
EPS (Diluted)	$1.68	$1.56+22.8%	$1.27-3.1%	$1.31+7.4%	$1.22-0.8%	$1.23+44.7%	$0.85-26.7%	$1.16+3.6%	$1.12+77.8%	$0.63-19.2%	$0.78-9.3%	$0.86+7.5%	$0.800.0%	$0.80+1.3%	$0.79+12.9%	$0.70
Diluted Shares (Avg)	N/A	362M-0.2%	363M-0.1%	363M+2.5%	354M+9.5%	323M-0.6%	325M-0.2%	326M+0.1%	326M+7.2%	304M+46.2%	208M+17.8%	176M+4.3%	169M+14.4%	148M+5.1%	141M+12.5%	125M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$463.0M+5.5%	$450.0M+9.5%	$458.0M+22.8%	$457.0M+10.9%	$439.0M+8.7%	$411.0M+1.0%	$373.0M+10.4%	$412.0M+1.2%
SG&A Expenses	$135.0M+3.8%	$136.0M+0.7%	$134.0M+4.7%	$131.0M+4.0%	$130.0M+7.4%	$135.0M+4.7%	$128.0M+12.3%	$126.0M+10.5%
Interest Expense	$212.0M-9.8%	$210.0M-11.0%	$222.0M-10.1%	$237.0M-8.8%	$235.0M-2.5%	$236.0M+5.4%	$247.0M+19.3%	$260.0M+39.0%
Income Tax	$39.0M+8.3%	$37.0M+19.4%	-$3.0M+62.5%	$40.0M+33.3%	$36.0M+5.9%	$31.0M-8.8%	-$8.0M-200.0%	$30.0M+57.9%
Net Income	$149.0M+14.6%	$137.0M+17.1%	$168.0M+52.7%	$150.0M+36.4%	$130.0M+5.7%	$117.0M-4.1%	$110.0M+115.7%	$110.0M-24.1%
EPS (Basic)	$0.42+16.7%	$0.38+18.8%	$0.47+56.7%	$0.41+36.7%	$0.36+5.9%	$0.320.0%	$0.30+130.8%	$0.30-25.0%
EPS (Diluted)	$0.42+16.7%	$0.38+18.8%	$0.47+51.6%	$0.41+36.7%	$0.36+5.9%	$0.320.0%	$0.31+138.5%	$0.30-25.0%
Diluted Shares (Avg)	357M-1.3%	360M-0.8%	N/A	362M-0.2%	362M-0.1%	363M+0.1%	N/A	362M+0.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FNB Balance Sheet

FNB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$50.2B+3.3%	$48.6B+5.3%	$46.2B+5.6%	$43.7B+10.7%	$39.5B+5.8%	$37.4B+7.9%	$34.6B+4.6%	$33.1B+5.4%	$31.4B+43.8%	$21.8B+24.4%	$17.6B+8.9%	$16.1B+18.9%	$13.6B+12.8%	$12.0B+22.9%	$9.8B
Cash & Equivalents	$2.5B+3.3%	$2.4B+53.5%	$1.6B-5.9%	$1.7B-52.1%	$3.5B+152.6%	$1.4B+130.9%	$599.0M+22.7%	$488.0M+1.9%	$479.0M+29.1%	$371.0M-24.1%	$489.0M+70.2%	$287.4M+34.3%	$214.0M-10.5%	$239.0M+14.4%	$209.0M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$2.5B+0.1%	$2.5B0.0%	$2.5B0.0%	$2.5B+9.5%	$2.3B0.0%	$2.3B0.0%	$2.3B+0.3%	$2.3B+0.3%	$2.2B+117.9%	$1.0B+23.9%	$833.1M+0.1%	$832.2M+8.9%	$764.2M+13.1%	$675.6M+18.8%	$568.5M
Total Liabilities	$43.5B+2.7%	$42.3B+5.5%	$40.1B+5.3%	$38.1B+10.8%	$34.4B+6.1%	$32.4B+9.0%	$29.7B+4.3%	$28.5B+5.5%	$27.0B+40.1%	$19.3B+24.7%	$15.5B+9.6%	$14.1B+19.7%	$11.8B+11.0%	$10.6B+23.9%	$8.6B
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-18.3%	$1.3B+113.7%	$627.0M-6.1%	$668.0M+23.8%	$539.5M-15.9%	$641.5M+18.5%	$541.4M+276.2%	$143.9M+60.9%	$89.4M+1.6%	$88.0M
Total Equity	$6.8B+7.3%	$6.3B+4.2%	$6.0B+7.0%	$5.7B+9.8%	$5.2B+3.9%	$5.0B+1.6%	$4.9B+6.0%	$4.6B+4.5%	$4.4B+71.4%	$2.6B+22.7%	$2.1B+3.7%	$2.0B+13.9%	$1.8B+26.6%	$1.4B+15.9%	$1.2B
Retained Earnings	$2.3B+20.0%	$2.0B+17.0%	$1.7B+21.8%	$1.4B+23.4%	$1.1B+27.7%	$869.0M+8.9%	$798.0M+38.5%	$576.0M+56.5%	$368.0M+20.9%	$304.4M+25.2%	$243.2M+38.1%	$176.1M+44.5%	$121.9M+61.8%	$75.3M+128.7%	$32.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$51.0B+2.6%	$50.6B+3.3%	$50.2B+3.3%	$49.9B+4.0%	$49.7B+4.2%	$49.0B+6.8%	$48.6B+5.3%	$48.0B+5.5%
Cash & Equivalents	$2.4B-2.1%	$2.7B+8.8%	$2.5B+3.3%	$2.4B+16.1%	$2.4B+29.1%	$2.4B+64.4%	$2.4B+53.5%	$2.1B+26.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$2.5B0.0%	$2.5B+0.1%	$2.5B+0.1%	$2.5B+0.1%	$2.5B+0.1%	$2.5B0.0%	$2.5B0.0%	$2.5B0.0%
Total Liabilities	$44.2B+2.2%	$43.8B+2.9%	$43.5B+2.7%	$43.3B+3.7%	$43.2B+3.8%	$42.6B+6.8%	$42.3B+5.5%	$41.7B+5.4%
Long-Term Debt	$2.0B-25.6%	$2.0B-20.4%	$1.9B-36.9%	$2.1B-16.5%	$2.7B+33.5%	$2.5B+18.5%	$3.0B+52.8%	$2.5B+27.8%
Total Equity	$6.8B+4.8%	$6.8B+6.0%	$6.8B+7.3%	$6.6B+6.2%	$6.5B+7.1%	$6.4B+6.9%	$6.3B+4.2%	$6.2B+6.0%
Retained Earnings	$2.5B+20.2%	$2.4B+20.3%	$2.3B+20.0%	$2.2B+17.6%	$2.1B+16.0%	$2.0B+16.4%	$2.0B+17.0%	$1.9B+13.3%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

FNB Cash Flow Statement

FNB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$704.0M	$482.0M-24.9%	$642.0M+51.8%	$423.0M-65.3%	$1.2B+129.8%	$530.0M+369.0%	$113.0M-56.4%	$259.0M-57.6%	$611.0M+119.0%	$279.0M-4.8%	$293.0M+31.1%	$223.5M-50.0%	$446.8M+15.7%	$386.1M-29.0%	$544.0M+87.9%	$289.5M
Depreciation & Amortization	N/A	$77.0M+14.9%	$67.0M-14.1%	$78.0M+6.8%	$73.0M+630.0%	$10.0M+433.3%	-$3.0M-106.7%	$45.0M-58.7%	$109.0M+22.5%	$89.0M+45.9%	$61.0M+38.8%	$43.9M+9.5%	$40.1M+30.4%	$30.8M-3.3%	$31.8M+41.9%	$22.4M
Capital Expenditures	$82.0M	$106.0M-23.7%	$139.0M+58.0%	$88.0M-7.4%	$95.0M+63.8%	$58.0M+41.5%	$41.0M-10.9%	$46.0M+31.4%	$35.0M-38.6%	$57.0M-5.0%	$60.0M+517.1%	$9.7M-52.0%	$20.2M+36.0%	$14.9M+16.4%	$12.8M-25.3%	$17.1M
Free Cash Flow	$622.0M	$376.0M-25.2%	$503.0M+50.1%	$335.0M-70.2%	$1.1B+137.9%	$472.0M+555.6%	$72.0M-66.2%	$213.0M-63.0%	$576.0M+159.5%	$222.0M-4.7%	$233.0M+9.0%	$213.8M-49.9%	$426.6M+14.9%	$371.2M-30.1%	$531.3M+95.0%	$272.4M
Investing Cash Flow	-$1.5B	-$1.5B+12.7%	-$1.7B+24.7%	-$2.3B+26.0%	-$3.1B-1896.7%	-$153.0M+91.6%	-$1.8B-61.1%	-$1.1B+41.1%	-$1.9B-25.6%	-$1.5B-21.3%	-$1.3B-10.3%	-$1.1B	N/A	-$644.4M+18.8%	-$793.5M-179.4%	-$284.0M
Financing Cash Flow	$764.0M	$1.1B-43.1%	$1.9B+9.4%	$1.7B+9566.7%	$18.0M-99.0%	$1.7B-30.5%	$2.5B+153.6%	$983.0M-25.4%	$1.3B-2.9%	$1.4B+60.0%	$849.0M-24.3%	$1.1B	N/A	$233.3M-16.6%	$279.6M+288.9%	$71.9M
Dividends Paid	$177.0M	$174.0M-0.6%	$175.0M+0.6%	$174.0M+1.8%	$171.0M+9.6%	$156.0M-0.6%	$157.0M0.0%	$157.0M0.0%	$157.0M+9.8%	$143.0M+40.2%	$102.0M+20.7%	$84.5M+4.1%	$81.2M+14.0%	$71.2M+5.3%	$67.6M+11.5%	$60.7M
Share Buybacks	$112.0M	$50.0M+1566.7%	$3.0M-91.7%	$36.0M-16.3%	$43.0M0.0%	$43.0M+13.2%	$38.0M	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$258.0M+109.8%	$151.0M+135.9%	$128.0M-60.7%	$167.0M+1292.9%	$123.0M+44.7%	$64.0M-73.9%	$326.0M+1730.0%	-$14.0M-104.8%
Depreciation & Amortization	$25.0M+31.6%	$23.0M+27.8%	$22.0M+22.2%	$18.0M+5.9%	$19.0M+5.6%	$18.0M+28.6%	$18.0M+5.9%	$17.0M-10.5%
Capital Expenditures	$17.0M-55.3%	$18.0M-14.3%	$29.0M-39.6%	$18.0M-43.8%	$38.0M+26.7%	$21.0M-27.6%	$48.0M+182.4%	$32.0M+190.9%
Free Cash Flow	$241.0M+183.5%	$133.0M+209.3%	$99.0M-64.4%	$149.0M+423.9%	$85.0M+54.5%	$43.0M-80.1%	$278.0M+851.4%	-$46.0M-116.3%
Investing Cash Flow	-$750.0M-10.1%	-$299.0M+10.7%	-$215.0M+54.3%	-$256.0M-925.8%	-$681.0M+49.2%	-$335.0M-540.8%	-$470.0M+12.5%	$31.0M+104.0%
Financing Cash Flow	$208.0M-61.5%	$309.0M+4.0%	$172.0M-64.5%	$75.0M-58.6%	$540.0M-67.2%	$297.0M+172.4%	$485.0M-2.2%	$181.0M-55.9%
Dividends Paid	$47.0M+9.3%	$43.0M-2.3%	$43.0M-2.3%	$44.0M0.0%	$43.0M0.0%	$44.0M0.0%	$44.0M0.0%	$44.0M+2.3%
Share Buybacks	$47.0M+370.0%	$35.0M+250.0%	$18.0M	$12.0M	$10.0M+233.3%	$10.0M	$0-100.0%	$0

Not reported in any period shown, so not listed: Stock-Based Compensation.

FNB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FNB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	32.0%+2.9pp	29.1%-1.7pp	30.9%+0.4pp	30.4%-2.3pp	32.7%+9.2pp	23.5%-8.4pp	32.0%+1.1pp	30.9%+12.8pp	18.1%-2.9pp	21.0%-3.1pp	24.2%+1.1pp	23.1%+0.9pp	22.1%+0.3pp	21.9%+1.9pp	20.0%
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%-2.2pp	7.9%-0.2pp	8.1%+3.6pp	4.5%-2.1pp	6.7%-1.0pp	7.6%+0.5pp	7.1%+0.5pp	6.6%-1.2pp	7.9%+0.7pp	7.2%
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%-0.3pp	1.1%0.0pp	1.1%+0.5pp	0.6%-0.1pp	0.8%-0.1pp	0.9%0.0pp	0.9%0.0pp	0.9%-0.1pp	0.9%0.0pp	0.9%
Debt-to-Equity	0.28-0.2x	0.48+0.2x	0.33+0.1x	0.19+0.1x	0.13-0.1x	0.22-0.1x	0.27+0.1x	0.140.0x	0.15-0.1x	0.21-0.1x	0.310.0x	0.27+0.2x	0.080.0x	0.060.0x	0.07
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	21.3%-10.2pp	31.5%+10.2pp	21.3%-56.5pp	77.8%+39.7pp	38.2%+32.2pp	5.9%-11.7pp	17.6%-30.1pp	47.7%+27.5pp	20.2%-8.4pp	28.7%-3.7pp	32.4%-35.9pp	68.3%-1.5pp	69.8%	105.4%	62.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	32.2%+2.6pp	30.4%+2.0pp	36.7%+7.2pp	32.8%+6.1pp	29.6%-0.8pp	28.5%-1.5pp	29.5%+14.4pp	26.7%-8.9pp
Return on Equity	2.2%+0.2pp	2.0%+0.2pp	2.5%+0.7pp	2.3%+0.5pp	2.0%0.0pp	1.8%-0.2pp	1.8%+0.9pp	1.8%-0.7pp
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%+0.1pp	0.3%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.2%-0.1pp
Debt-to-Equity	0.29-0.1x	0.29-0.1x	0.28-0.2x	0.32-0.1x	0.41+0.1x	0.390.0x	0.48+0.2x	0.40+0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	52.0%+32.7pp	29.6%+19.1pp	21.6%-52.9pp	32.6%+43.8pp	19.4%+5.8pp	10.5%-42.6pp	74.5%+85.5pp	-11.2%-80.7pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
F.N.B. Corp FNB	FY2025	$1.8B	$565.0M	32.0%	$6.2B	55/100
Hancock Whitney Corporation HWC	FY2025	$1.5B	$486.1M	32.1%	$5.9B	57/100
Prosperity Bancshares Inc PB	FY2025	$1.2B	$542.8M	43.4%	$8.1B	64/100
Valley National Bancorp VLY	FY2025	$2.0B	$598.0M	29.5%	$7.1B	46/100
Glacier Bancorp Inc GBCI	FY2025	$1.0B	$239.0M	23.2%	$5.7B	53/100

Where F.N.B. Corp Ranks

Frequently Asked Questions

What is F.N.B. Corp's annual revenue?

F.N.B. Corp (FNB) reported $1.8B in total revenue for fiscal year 2025. This represents a 10.6% 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 10.6% year-over-year, from $1.6B to $1.8B 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 32.0%.

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 32.0% 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 P/E ratio?

F.N.B. Corp (FNB) trades at 10.3x earnings, its market capitalization divided by net income of $604.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $6.2B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is F.N.B. Corp's price-to-sales ratio?

F.N.B. Corp (FNB) trades at 3.4x sales, its market capitalization divided by revenue of $1.8B revenue, trailing 12 months to June 30, 2026. The market capitalization is $6.2B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

F.N.B. Corp (FNB) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 55 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.