Saturday 17 October 2026
Export FNB’s income statement to Excel — free account
F.N.B. Corporation
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%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
20.51 | 22.61 | 8.79 | 10.85 | 11.05 | 9.86 | 10.59 | 10.53 | 11.73 | 10.96 |
Piotroski F-Score |
5 | 6 | 5 | 4 | 6 | 7 | 6 | 5 | 5 | 7 |
P/S ratio |
3.75 | 3.38 | 2.21 | 2.68 | 2.16 | 2.91 | 2.83 | 2.25 | 2.08 | 2.29 |
P/FCF ratio |
14.16 | 18.77 | 5.54 | 19.37 | 42.67 | 8.22 | 4.06 | 14.97 | 10.62 | 16.41 |
P/Operating CF |
32.00 | 27.11 | 33.94 | 33.83 | 15.84 | 26.57 | 25.74 | (250.72) | 16.39 | 48.21 |
P/B ratio |
1.34 | 0.97 | 0.71 | 0.86 | 0.63 | 0.77 | 0.82 | 0.84 | 0.85 | 0.91 |
Price to Tangible BV |
2.39 | 2.13 | 1.47 | 1.69 | 1.21 | 1.42 | 1.53 | 1.48 | 1.42 | 1.45 |
EV/Sales |
3.94 | 3.54 | 2.30 | 3.16 | 1.96 | 0.80 | 2.47 | 2.43 | 2.31 | 2.07 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
11.84 | 15.61 | 5.45 | 18.79 | 24.64 | 2.02 | 3.26 | 12.79 | 9.24 | 11.56 |
EV/FCF |
14.88 | 19.62 | 5.78 | 22.85 | 38.67 | 2.26 | 3.54 | 16.15 | 11.80 | 14.82 |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.02 | 0.04 | 0.11 | 0.05 | 0.04 | 0.06 | 0.06 |
Current Ratio |
0.81 | 0.82 | 0.82 | 0.85 | 0.86 | 0.85 | 0.88 | 0.91 | 0.94 | 0.92 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.47% | 2.13% | 1.89% | 3.87% | 2.93% | 1.73% | 2.50% | 4.27% | 6.19% | 3.78% |
Debt/Equity |
0.21 | 0.15 | 0.14 | 0.27 | 0.22 | 0.13 | 0.19 | 0.33 | 0.48 | 0.28 |
Asset Turnover |
0.04 | 0.05 | 0.04 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
1.80 | 1.46 | 1.67 | 0.68 | 0.41 | 1.34 | 2.83 | 0.89 | 1.40 | 0.85 |
Capex/Depreciation |
(0.98) | (0.64) | (0.32) | (1.02) | 13.67 | (5.80) | (1.30) | (1.13) | (2.07) | (1.38) |
| 7.32% | 5.65% | 8.29% | 8.17% | 5.77% | 8.02% | 8.14% | 8.30% | 7.50% | 8.65% | |
| 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% |
Return on Tangible Assets |
(5.09%) | (4.39%) | (7.65%) | (9.65%) | (7.02%) | (8.81%) | (10.62%) | (17.19%) | (27.42%) | (19.78%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
58.98% | 54.14% | 51.18% | 47.11% | 60.39% | 53.93% | 55.35% | 44.32% | 40.54% | 40.67% |
Intangible Assets out of Total Assets |
0.05 | 0.07 | 0.07 | 0.07 | 0.06 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(1.26) | (1.35) | (1.88) | (1.45) | (1.88) | (1.53) | (1.41) | (1.22) | (1.15) | (0.99) |
Graham Number |
14.48 | 13.98 | 18.70 | 19.67 | 17.04 | 20.89 | 20.94 | 22.12 | 22.23 | 25.64 |
Earnings Yield |
4.88% | 4.42% | 11.38% | 9.21% | 9.05% | 10.14% | 9.45% | 9.50% | 8.53% | 9.12% |
Free Cash Flow Yield |
7.06% | 5.33% | 18.06% | 5.16% | 2.34% | 12.17% | 24.65% | 6.68% | 9.42% | 6.09% |
Revenue per Share |
4.27 | 4.08 | 4.46 | 4.74 | 4.40 | 4.17 | 4.59 | 6.17 | 7.10 | 7.47 |
Operating CF per Share |
1.42 | 0.92 | 1.88 | 0.80 | 0.35 | 1.66 | 3.48 | 1.17 | 1.78 | 1.34 |
Capex per Share |
(0.29) | (0.19) | (0.11) | (0.14) | (0.13) | (0.18) | (0.27) | (0.24) | (0.38) | (0.29) |
Free Cash Flow per Share |
1.13 | 0.73 | 1.78 | 0.66 | 0.22 | 1.48 | 3.21 | 0.93 | 1.39 | 1.04 |
Cash per Share |
1.80 | 1.59 | 1.51 | 1.84 | 4.28 | 10.92 | 4.78 | 4.37 | 6.69 | 6.92 |
Shareholders Equity per Share |
12.47 | 14.59 | 14.21 | 15.03 | 15.34 | 16.10 | 16.15 | 16.77 | 17.44 | 18.73 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
12.47 | 14.59 | 14.21 | 15.03 | 15.34 | 16.10 | 16.15 | 16.77 | 17.44 | 18.73 |
Free Cash Flow |
233.00 | 222.00 | 576.00 | 213.00 | 72.00 | 472.00 | 1,123.00 | 335.00 | 503.00 | 376.00 |
Working Capital |
(3,446.46) | (4,683.00) | (5,101.00) | (4,259.00) | (4,293.00) | (4,850.00) | (4,491.00) | (3,236.00) | (2,210.00) | (3,425.00) |
Capital Expenditures |
(60.00) | (57.00) | (35.00) | (46.00) | (41.00) | (58.00) | (95.00) | (88.00) | (139.00) | (106.00) |
Net Current Asset Value |
(4,151.00) | (5,613.00) | (6,011.00) | (5,989.00) | (5,762.00) | (5,951.00) | (6,421.00) | (6,127.00) | (6,170.00) | (6,119.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.07 | 0.05 | 0.02 | 0.03 | 0.03 | 0.04 | 0.06 | 0.04 | 0.05 | 0.04 |
Price to Operating Income |
11.66 | 10.09 | 7.06 | 8.76 | 8.96 | 7.68 | 8.39 | 8.81 | 9.63 | 9.22 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.25 | 0.26 | 0.33 | 0.14 | (0.01) | 0.03 | 0.17 | 0.17 | 0.13 | 0.14 |
Cash ROIC |
6.69% | 4.00% | 10.06% | 3.12% | 0.97% | 5.06% | 13.34% | 3.49% | 4.29% | 3.37% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
87,521.82 | 61,014.93 | 35,970.90 | 27,414.82 | 51,103.51 | 118,163.16 | 76,915.45 | 19,313.29 | 13,934.21 | 15,211.87 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
14,344.56 | 19,232.83 | 22,927.50 | 24,120.50 | 26,954.00 | 30,424.00 | 33,248.00 | 34,740.50 | 35,909.00 | 37,933.00 |
Average Assets |
19,701.24 | 26,631.41 | 32,260.00 | 33,858.50 | 35,984.50 | 38,433.50 | 41,619.00 | 44,941.50 | 47,391.50 | 49,427.00 |
Average Common Equity |
2,227.02 | 3,383.37 | 4,401.50 | 4,638.50 | 4,814.00 | 4,947.50 | 5,294.50 | 5,744.50 | 6,122.50 | 6,530.50 |
Columns are period end dates