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F.N.B. Corporation

FNB Financial Banks Regional

F.N.B. Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.7 billion, up 4.95% from fiscal 2024.

Revenue
−0.72%
EPS
+4.88%
Free cash flow
+67.8%
Total debt
−14.1%

Quarter to September 2026, against a year earlier

17.88 0.02 +0.11%
Market cap
$6.3B
P/E
10.5×
Fwd P/E
10.7×
Dividend yield
2.79%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Insider Decisions last twelve months

Sold, $m 1.37
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 2 — — — — — 1 — 1 — — —
Insider Ownership 2.50%

Capital & Financial Ratios $m

Size
Market Cap 6,270.00
Revenue ttm 2,704.00
Net income ttm 607.00
Free cash flow ttm 723.00
Net debt Q (723.00)
Valuation
P/E 10.54
Forward P/E 10.70
Price / sales 2.35
Forward P/S Powerpack
Price / FCF 8.77
Price / book 0.93
Financial health
Current ratio Q 0.91
Debt / equity Q 0.26
Interest coverage Q —
Growth
Revenue growth Q −0.72% (below 0%: shrinking)
Operating income growth Q +1.58% (above 0%: growing)
EPS, this year +6.52%
EPS, next year A +11.94%
Revenue, next year A −30.54% (below 0%: weak)
EPS, past 5 yrs +12.91%
EPS, next 5 yrs A +8.74%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 32.75%
10-year low 10-year high
P/S against its own 10 years 36.41%
10-year low 10-year high
P/B against its own 10 years 70.22%
10-year low 10-year high

Dividends

Yield
2.79%
Annual rate
0.50
Payout ratio
29.4%
Growth, 2017–25
0.00%/yr
  1. 0.48 ’17
  2. 0.48 ’18 +0
  3. 0.48 ’19 +0
  4. 0.48 ’20 +0
  5. 0.48 ’21 +0
  6. 0.48 ’22 +0
  7. 0.48 ’23 +0
  8. 0.48 ’24 +0
  9. 0.48 ’25 +0
  10. 0.51 ’26e +7
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,576 2,419 2,498 2,526
Receivables — — — —
Inventory — — — —
Other — — — —
33,981 36,153 37,351 38,844
2023 2024 2025 Q'26
Payables 34,711 37,107 38,759 39,550
ST’ Debt — — — —
Other — — — —
37,217 38,363 40,776 42,551

Compound Annual Growth %

10y 5y 3y
Sales 14.28% 13.61% 18.78%
Cash Flow 7.99% 33.66% (26.58%)
Earnings 14.06% 15.24% 9.44%
Book Value 12.42% 6.39% 6.14%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.43 Actual 0.43

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.41 0.50 Beat by 0.09
Q1 FY26 0.38 0.38 Met by 0.00
Q2 FY26 0.42 0.42 Met by 0.00
Q3 FY26 0.43 0.43 Met by 0.00
Q4 FY26 0.47 — Reports 19 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.38 0.42 0.43 — —
’25 0.32 0.36 0.41 0.47 1.56
’24 0.32 0.34 0.30 0.30 1.27
’23 0.40 0.39 0.40 0.13 1.31
’22 0.15 0.30 0.38 0.38 1.22
’21 0.28 0.31 0.34 0.30 1.23
’20 0.14 0.25 0.25 0.22 0.85
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 660 675 689 — —
’25 647 674 694 680 2,695
’24 631 645 672 620 2,568
’23 523 565 594 545 2,227
’22 332 362 426 488 1,608
’21 334 333 344 324 1,335
’20 375 358 353 338 1,424
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 151 258 291 — —
’25 64 123 167 128 482
’24 245 85 (14) 326 642
’23 19 130 294 (20) 423
’22 358 334 349 177 1,218
’21 215 85 84 146 530
’20 (205) 47 77 194 113
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 133 241 250 — —
’25 43 85 149 99 376
’24 216 55 (46) 278 503
’23 (14) 103 283 (37) 335
’22 331 311 321 160 1,123
’21 207 61 73 131 472
’20 (213) 35 64 186 72
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 13.4% a year for ten years. It grew 0.0% a year over the last ten.

Implied
13.4%
10 years, reported
0.0%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 880 1,232 1,446 1,541 1,424 1,335 1,608 2,227 2,568 2,695 2,704 +13.2% 1,872 1,993 2,100 (8.0%)
Gross margin, % 92.39 89.12 83.54 78.59 85.39 92.66 89.74 70.54 62.15 65.49 68.05 (26.9) pt
EBT 246 356 452 471 343 503 553 584 555 669 720 +11.8%
EBT margin, % 27.95 28.90 31.26 30.56 24.09 37.68 34.39 26.22 21.61 24.82 26.63 (3.1) pt
Net income 171 199 373 387 286 405 439 485 465 565 607 +14.2%
Per share, $
Per share, $ Revenue 4.27 4.08 4.46 4.74 4.40 4.17 4.59 6.17 7.10 7.47 7.64 +6.4%
Earnings 0.78 0.63 1.13 1.17 0.86 1.24 1.23 1.32 1.27 1.57 1.70 +8.1%
Cash flow 1.42 0.92 1.88 0.80 0.35 1.66 3.48 1.17 1.78 1.34 2.34 (0.7%)
Capex (0.29) (0.19) (0.11) (0.14) (0.13) (0.18) (0.27) (0.24) (0.38) (0.29) (0.30) +0.1%
Free cash flow 1.13 0.73 1.78 0.66 0.22 1.48 3.21 0.93 1.39 1.04 2.04 (0.9%)
Book value 12.47 14.59 14.21 15.03 15.34 16.10 16.15 16.77 17.44 18.73 19.25 +4.6%
Shares, m 206 302 324 325 323 320 350 361 361 361 358 +6.4%
Valuation, ×
Valuation, × P/E 20.51 22.61 8.79 10.85 11.05 9.86 10.59 10.53 11.73 10.96 10.54 12.7
P/S 3.75 3.38 2.21 2.68 2.16 2.91 2.83 2.25 2.08 2.29 2.35 2.7
P/B 1.34 0.97 0.71 0.86 0.63 0.77 0.82 0.84 0.85 0.91 0.93 0.9
EV/Sales 3.94 3.54 2.30 3.16 1.96 0.80 2.47 2.43 2.31 2.07 — 2.5
EV/FCF 14.88 19.62 5.78 22.85 38.67 2.26 3.54 16.15 11.80 14.82 — 15.0
Cash, $m
Cash, $m Operating cash flow 293 279 611 259 113 530 1,218 423 642 482 828 +5.7%
Capex (60) (57) (35) (46) (41) (58) (95) (88) (139) (106) (105) +6.5%
Free cash flow 233 222 576 213 72 472 1,123 335 503 376 723 +5.5%
Balance, $m
Balance, $m Working capital (3,446) (4,683) (5,101) (4,259) (4,293) (4,850) (4,491) (3,236) (2,210) (3,425) (3,707) (0.1%)
Net debt 168 189 139 741 (288) (2,811) (581) 395 593 (597) (723) n/m
Shareholders’ equity 2,572 4,409 4,608 4,883 4,959 5,150 5,653 6,050 6,302 6,759 6,813 +11.3%
Returns, %
Returns, % ROA 0.83 0.72 1.13 1.12 0.77 1.03 1.04 1.06 0.97 1.14 1.19 +0.3 pt
ROIC 6.46 5.61 5.95 5.23 4.59 13.49 6.81 5.66 5.03 6.79 7.39 +0.3 pt
ROE 7.32 5.65 8.29 8.17 5.77 8.02 8.14 8.30 7.50 8.65 9.03 +1.3 pt
People
People Employees 3,821 4,748 4,420 4,223 4,197 4,180 4,190 4,228 4,280 4,282 — +1.3%
Revenue/emp, $m 0.23 0.26 0.33 0.36 0.34 0.32 0.38 0.53 0.60 0.63 — +11.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Business profile

Updated

F.N.B. Corporation is a Pittsburgh-based bank and financial holding company. It traces its business through subsidiaries to 1864. Vincent J. Delie, Jr. is its chairman, president and chief executive officer.

Its largest subsidiary, First National Bank of Pennsylvania, provides banking services to consumers, businesses and governments. For consumers, those services include deposit accounts, mortgages, other loans and online and mobile banking. For businesses, the bank offers loans, equipment financing, treasury management and capital markets services. Treasury management helps organizations handle banking and cash needs; equipment financing provides loans and leases for new or used equipment.

F.N.B. Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
UBSI United Bankshares, Inc. $6.6B 13.1× 12.9× −2.30% (below 0%: shrinking) +2.17% (above 0%: growing) +14.62% (above 0%: growing) 70.33% 0.00% Compare
GBCI Glacier Bancorp, Inc. $6.3B 18.2× 16.0× +16.53% (above 0%: growing) +40.35% (above 0%: growing) +44.07% (above 0%: growing) 78.55% 0.00% Compare
FNB F.N.B. Corporation $6.3B 10.5× 10.7× −0.72% (below 0%: shrinking) +4.88% (above 0%: growing) +67.79% (above 0%: growing) 68.07% 0.00%
HOMB Home BancShares, Inc. $6.0B 12.3× 11.9× +1.68% (above 0%: growing) +3.17% (above 0%: growing) +20.30% (above 0%: growing) 75.64% 0.00% Compare
HWC Hancock Whitney Corporation $5.7B 14.3× 14.0× +7.54% (above 0%: growing) −8.05% (below 0%: shrinking) +23.30% (above 0%: growing) 75.86% 0.00% Compare
ASB Associated Banc-Corp $5.7B 10.5× 10.6× +12.99% (above 0%: growing) +5.48% (above 0%: growing) +117.24% (above 0%: growing) 64.43% 0.00% Compare
OZK Bank OZK $5.6B 8.6× 8.6× −5.02% (below 0%: shrinking) −6.25% (below 0%: shrinking) +47.62% (above 0%: growing) 63.26% 0.00% Compare
AUB Atlantic Union Bankshares Corporation $5.5B 10.7× 10.1× +0.13% (above 0%: growing) +50.79% (above 0%: growing) +18.83% (above 0%: growing) 68.93% 0.00% Compare
ABCB Ameris Bancorp $5.5B 14.3× 14.2× +1.71% (above 0%: growing) +12.26% (above 0%: growing) +31.88% (above 0%: growing) 73.36% 0.00% Compare
Median of peers $5.7B 12.7× 12.4× +1.70% +4.33% +27.59% 71.85% 0.00%

All 327 Banks Regional stocks →

From the latest earnings call

Updated

  • On F.N.B.’s Q1 call, Gary Guerrieri said loan pipelines had increased across the company, while Vincent Delie identified competition for deposit funding as an uncertainty.
  • Vincent Calabrese said F.N.B. expected to spend near the top of its full-year expense range as it invested in franchise growth and strategic initiatives.

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 93.18%
Held by the ten largest 58.02%
Holder Shares Stake Change
BlackRock 46.72m 13.24% +2.14m
Vanguard 39.16m 11.09% +532.00k
Fidelity (FMR) 26.76m 7.58% +2.80m
Dimensional Fund Advisors 20.10m 5.69% +227.13k
FULLER & THALER ASSET MANAGEMENT, INC. 16.71m 4.73% −1.16m
First Trust 16.28m 4.61% +5.31m
State Street 15.77m 4.47% +354.98k
AQR Capital Management 10.30m 2.92% +7.09m
Geode Capital Management 6.57m 1.86% −10.86k
Two Sigma 6.44m 1.82% −1.04m
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 25 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 8.47m 10.82m 215.80
2024 7.30m 7.66m 180.80
2023 7.36m 10.07m 162.90
2022 6.82m 14.22m 148.40
2021 6.58m 11.91m 132.80

Ownership

Directors and executive officers, together 1.50%
BlackRock, Inc. 11.95%
The Vanguard Group 10.59%
FMR, LLCa 7.06%
Fuller & Thaler Asset Management, Inc 5.88%
Dimensional Fund Advisors LP 5.52%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

F.N.B. Corporation (FNB) Latest News

23 Oct

Impact 4 · · Simply Wall St.
Impact 3 ·

22 Oct

Impact 4 · · StockStory

21 Oct

Impact 3 · · StockStory

20 Oct

Impact 4 · · The Motley Fool
Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby
Impact 3 · · StockStory earnings
Impact 3 · · MarketBeat

19 Oct

Impact 3 · · Zacks
Impact 3 · · StockStory

17 Oct

Impact 3 · · StockStory
Impact 3 · · Simply Wall St.

13 Oct

Impact 3 · · PR Newswire

12 Oct

Impact 3 · · Zacks

30 Sep

Impact 3 · · PR Newswire

29 Sep

Impact 4 · · Zacks

17 Aug

Impact 3 ·

12 Aug

Impact 3 ·
Impact 3 ·

11 Aug

Impact 3 ·

24 Jul

Impact 3 ·

17 Jul

Impact 4 · transcript
Impact 3 ·
Impact 3 · · MarketBeat
Impact 3 · · Moby

30 Jun

Impact 3 ·

24 Apr

Impact 4 · · Zacks

23 Apr

Impact 3 · · StockStory

21 Apr

Impact 4 · · The Motley Fool transcript

FNB metrics, ten years each

stockrow.com/FNB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com