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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

17.86 0.00 0.00%

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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 Valuation Filings

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	20.51	22.61	8.79	10.85	11.05	9.86	10.59	10.53	11.73	10.96
Piotroski F-Score Full definition →	5	6	5	4	6	7	6	5	5	7
P/S ratio Full definition →	3.75	3.38	2.21	2.68	2.16	2.91	2.83	2.25	2.08	2.29
P/FCF ratio Full definition →	14.16	18.77	5.54	19.37	42.67	8.22	4.06	14.97	10.62	16.41
P/Operating CF Full definition →	32.00	27.11	33.94	33.83	15.84	26.57	25.74	(250.72)	16.39	48.21
P/B ratio Full definition →	1.34	0.97	0.71	0.86	0.63	0.77	0.82	0.84	0.85	0.91
Price to Tangible BV Full definition →	2.39	2.13	1.47	1.69	1.21	1.42	1.53	1.48	1.42	1.45
EV/Sales Full definition →	3.94	3.54	2.30	3.16	1.96	0.80	2.47	2.43	2.31	2.07
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	11.84	15.61	5.45	18.79	24.64	2.02	3.26	12.79	9.24	11.56
EV/FCF Full definition →	14.88	19.62	5.78	22.85	38.67	2.26	3.54	16.15	11.80	14.82
Quick Ratio Full definition →	0.02	0.02	0.02	0.02	0.04	0.11	0.05	0.04	0.06	0.06
Current Ratio Full definition →	0.81	0.82	0.82	0.85	0.86	0.85	0.88	0.91	0.94	0.92
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	2.47%	2.13%	1.89%	3.87%	2.93%	1.73%	2.50%	4.27%	6.19%	3.78%
Debt/Equity Full definition →	0.21	0.15	0.14	0.27	0.22	0.13	0.19	0.33	0.48	0.28
Asset Turnover Full definition →	0.04	0.05	0.04	0.05	0.04	0.03	0.04	0.05	0.05	0.05
Operating CF/Net income Full definition →	1.80	1.46	1.67	0.68	0.41	1.34	2.83	0.89	1.40	0.85
Capex/Depreciation Full definition →	(0.98)	(0.64)	(0.32)	(1.02)	13.67	(5.80)	(1.30)	(1.13)	(2.07)	(1.38)
ROE Full definition →	7.32%	5.65%	8.29%	8.17%	5.77%	8.02%	8.14%	8.30%	7.50%	8.65%
ROA Full definition →	0.83%	0.72%	1.13%	1.12%	0.77%	1.03%	1.04%	1.06%	0.97%	1.14%
ROIC Full definition →	6.46%	5.61%	5.95%	5.23%	4.59%	13.49%	6.81%	5.66%	5.03%	6.79%
Return on Tangible Assets Full definition →	(5.09%)	(4.39%)	(7.65%)	(9.65%)	(7.02%)	(8.81%)	(10.62%)	(17.19%)	(27.42%)	(19.78%)
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Graham Net Nets Full definition →	(1.26)	(1.35)	(1.88)	(1.45)	(1.88)	(1.53)	(1.41)	(1.22)	(1.15)	(0.99)
Graham Number Full definition →	14.48	13.98	18.70	19.67	17.04	20.89	20.94	22.12	22.23	25.64
Earnings Yield Full definition →	4.88%	4.42%	11.38%	9.21%	9.05%	10.14%	9.45%	9.50%	8.53%	9.12%
Free Cash Flow Yield Full definition →	7.06%	5.33%	18.06%	5.16%	2.34%	12.17%	24.65%	6.68%	9.42%	6.09%
Revenue per Share Full definition →	4.27	4.08	4.46	4.74	4.40	4.17	4.59	6.17	7.10	7.47
Operating CF per Share Full definition →	1.42	0.92	1.88	0.80	0.35	1.66	3.48	1.17	1.78	1.34
Capex per Share Full definition →	(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 Full definition →	1.13	0.73	1.78	0.66	0.22	1.48	3.21	0.93	1.39	1.04
Cash per Share Full definition →	1.80	1.59	1.51	1.84	4.28	10.92	4.78	4.37	6.69	6.92
Shareholders Equity per Share Full definition →	12.47	14.59	14.21	15.03	15.34	16.10	16.15	16.77	17.44	18.73
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	12.47	14.59	14.21	15.03	15.34	16.10	16.15	16.77	17.44	18.73
Free Cash Flow Full definition →	233.00	222.00	576.00	213.00	72.00	472.00	1,123.00	335.00	503.00	376.00
Working Capital Full definition →	(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 Full definition →	(60.00)	(57.00)	(35.00)	(46.00)	(41.00)	(58.00)	(95.00)	(88.00)	(139.00)	(106.00)
Net Current Asset Value Full definition →	(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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.07	0.05	0.02	0.03	0.03	0.04	0.06	0.04	0.05	0.04
Price to Operating Income Full definition →	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 Full definition →	0.25	0.26	0.33	0.14	(0.01)	0.03	0.17	0.17	0.13	0.14
Cash ROIC Full definition →	6.69%	4.00%	10.06%	3.12%	0.97%	5.06%	13.34%	3.49%	4.29%	3.37%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.00	0.01	0.01	0.01	0.01	0.00	0.01	0.02	0.03	0.02
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	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 Full definition →	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 Full definition →	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

Show all line items

Columns are period end dates · fundamentals updated 5 Nov 2026

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