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. In the quarter to June 2026, revenue was flat, EPS grew 16.7%, free cash flow grew 183.5% and total debt fell 25.6%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.

17.24 0.08 +0.47%
Market cap
$6.1B
P/E
10.3×
Fwd P/E
10.2×
Dividend yield
2.90%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total sells 1.37
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — 2 — — — — — 1 — 1 — —
Insider Ownership 2.61%

Capital & Financial Ratios $m

Market Cap 6,060.00
Revenue 2,709.00
Net Income 604.00
Free Cash Flow 622.00
Net Debt (373.00)
Current Ratio 0.92
Debt/Equity 0.29
P/E ratio 10.26
Fwd P/E 10.20
P/S ratio 2.27
P/B ratio 0.90
Past 5Y EPS Growth 12.91%
This Y EPS Growth 6.78%
Next Y EPS Growth 11.45%
Next Y revenue growth (30.35%) (below 0%: weak)
Next 5Y EPS Growth 7.66%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 25.36%
10-year low 10-year high
P/S against its own 10 years 30.78%
10-year low 10-year high
P/B against its own 10 years 64.91%
10-year low 10-year high

Dividends

Payout Ratio 0.30
Annual Dividend Rate 0.50
Annual Dividend Yield 2.90%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.51
0.12
0.13
0.13
2025 0.48
0.12
0.12
0.12
0.12
2024 0.48
0.12
0.12
0.12
0.12
2023 0.48
0.12
0.12
0.12
0.12
2022 0.48
0.12
0.12
0.12
0.12
2021 0.48
0.12
0.12
0.12
0.12
2020 0.48
0.12
0.12
0.12
0.12
2019 0.48
0.12
0.12
0.12
0.12
2018 0.48
0.12
0.12
0.12
0.12
2017 0.48
0.12
0.12
0.12
0.12
2016 0.48
0.12
0.12
0.12
0.12
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,576 2,419 2,498 2,375
Receivables — — — —
Inventory — — — —
Other — — — —
33,981 36,153 37,351 37,987
2023 2024 2025 Q'26
Payables 34,711 37,107 38,759 38,679
ST’ Debt — — — —
Other — — — —
37,217 38,363 40,776 41,360

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%

Revenue $m

Mar Jun Sep Dec Year
’26 660 675 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.38 0.42 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 11.16 12.02 9.35 9.69 5.05 9.29 10.48 10.09 12.49 10.88

Analyst estimates 2026–2028

Powerpack
High 16.43 16.35 14.92 12.93 12.76 13.83 14.71 14.68 17.70 17.93
People
People Employees 3,821 4,748 4,420 4,223 4,197 4,180 4,190 4,228 4,280 4,282
Revenue/emp, $m 0.23 0.26 0.33 0.36 0.34 0.32 0.38 0.53 0.60 0.63
Income, $m
Income, $m Revenue 880 1,232 1,446 1,541 1,424 1,335 1,608 2,227 2,568 2,695
Gross margin, % 92.39 89.12 83.54 78.59 85.39 92.66 89.74 70.54 62.15 65.49
EBT 246 356 452 471 343 503 553 584 555 669
EBT margin, % 27.95 28.90 31.26 30.56 24.09 37.68 34.39 26.22 21.61 24.82
Net income 171 199 373 387 286 405 439 485 465 565
Depreciation 61 89 109 45 (3) 10 73 78 67 77
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
Earnings 0.78 0.63 1.13 1.17 0.86 1.24 1.23 1.32 1.27 1.57
Cash flow 1.42 0.92 1.88 0.80 0.35 1.66 3.48 1.17 1.78 1.34
Capex (0.29) (0.19) (0.11) (0.14) (0.13) (0.18) (0.27) (0.24) (0.38) (0.29)
Free cash flow 1.13 0.73 1.78 0.66 0.22 1.48 3.21 0.93 1.39 1.04
Book value 12.47 14.59 14.21 15.03 15.34 16.10 16.15 16.77 17.44 18.73
Shares, m 206 302 324 325 323 320 350 361 361 361
Valuation, ×
Valuation, × P/E 20.51 22.61 8.79 10.85 11.05 9.86 10.59 10.53 11.73 10.96
P/S 3.75 3.38 2.21 2.68 2.16 2.91 2.83 2.25 2.08 2.29
P/B 1.34 0.97 0.71 0.86 0.63 0.77 0.82 0.84 0.85 0.91
EV/Sales 3.94 3.54 2.30 3.16 1.96 0.80 2.47 2.43 2.31 2.07
EV/FCF 14.88 19.62 5.78 22.85 38.67 2.26 3.54 16.15 11.80 14.82
Cash, $m
Cash, $m Operating cash flow 293 279 611 259 113 530 1,218 423 642 482
Capex (60) (57) (35) (46) (41) (58) (95) (88) (139) (106)
Free cash flow 233 222 576 213 72 472 1,123 335 503 376
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)
Total debt 539 668 627 1,340 1,095 682 1,093 1,971 3,012 1,901
Net debt 168 189 139 741 (288) (2,811) (581) 395 593 (597)
Shareholders’ equity 2,572 4,409 4,608 4,883 4,959 5,150 5,653 6,050 6,302 6,759
Returns, %
Returns, % ROA 0.83 0.72 1.13 1.12 0.77 1.03 1.04 1.06 0.97 1.14
ROIC 6.46 5.61 5.95 5.23 4.59 13.49 6.81 5.66 5.03 6.79
ROE 7.32 5.65 8.29 8.17 5.77 8.02 8.14 8.30 7.50 8.65
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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. $6.4B 12.7× 12.1× +0.89% (above 0%: growing) +11.76% (above 0%: growing) +14.62% (above 0%: growing) 70.90% 0.00% Compare
IFS Intercorp Financial Services Inc. $6.3B 15.9× — (loss-making) +18.27% (above 0%: growing) +106.49% (above 0%: growing) +720.11% (above 0%: growing) 75.55% 0.00% Compare
FNB F.N.B. Corporation $6.1B 10.3× 10.2× +0.15% (above 0%: growing) +16.67% (above 0%: growing) +183.53% (above 0%: growing) 68.59% 0.00%
HWC Hancock Whitney Corporation $5.9B 14.2× 13.1× +4.02% (above 0%: growing) +18.18% (above 0%: growing) +23.30% (above 0%: growing) 77.00% 0.00% Compare
HOMB Home BancShares, Inc. $5.8B 12.0× 11.0× +1.68% (above 0%: growing) +2.81% (above 0%: growing) +20.30% (above 0%: growing) 75.64% 0.00% Compare
GBCI Glacier Bancorp, Inc. $5.7B 18.0× 15.3× +19.14% (above 0%: growing) +66.67% (above 0%: growing) +42.03% (above 0%: growing) 78.15% 0.00% Compare
AUB Atlantic Union Bankshares Corporation $5.5B 11.4× 10.0× −2.50% (below 0%: shrinking) +825.00% (above 0%: growing) −92.37% (below 0%: shrinking) 71.98% 0.00% Compare
ASB Associated Banc-Corp $5.5B 10.1× 9.8× +14.89% (above 0%: growing) −3.03% (below 0%: shrinking) +48.78% (above 0%: growing) 64.01% 0.00% Compare
ABCB Ameris Bancorp $5.4B 14.4× 12.7× +5.42% (above 0%: growing) −51.88% (below 0%: shrinking) +31.88% (above 0%: growing) 74.25% 0.00% Compare
Median of peers $5.7B 13.5× 12.1× +4.72% +14.97% +27.59% 74.90% 0.00%

All 323 Banks Regional stocks →

F.N.B. Corporation (FNB) key facts

  • Strength: F.N.B. Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.7 billion, up 4.95% from fiscal 2024.
  • Strength: Net income was $565.0 million, or $1.57 per share (basic), a net margin of 21.0%.
  • F.N.B. Corporation (FNB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, FNB traded at $17.24, a market capitalization of $6.1 billion.
  • At that price the stock trades at 10.3× trailing-twelve-month earnings and 2.3× sales; its P/E is higher than 25% of its own readings over the past ten years.
  • F.N.B. Corporation pays an annual dividend of $0.50 per share, a yield of 2.90%, with a payout ratio of 29.8%.
  • Return on equity was 8.65% and debt-to-equity 0.29.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

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

stockrow.com/FNB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com