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.
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F.N.B. Corporation (FNB) Piotroski F-score
F.N.B. Corporation's Piotroski F-score for fiscal 2025 is 7 out of 9: 7 of nine tests of profitability, leverage and efficiency passed, up from 5 in fiscal 2024.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 7 | 2.00 |
| FY2024 | 5 | 0.00 |
| FY2023 | 5 | (1.00) |
| FY2022 | 6 | (1.00) |
| FY2021 | 7 | 1.00 |
| FY2020 | 6 | 2.00 |
| FY2019 | 4 | (1.00) |
| FY2018 | 5 | (1.00) |
| FY2017 | 6 | 1.00 |
| FY2016 | 5 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | 1.14% | 0.97% | Pass | 1 |
| Positive operating cash flow | 482.00m | 642.00m | Pass | 1 |
| Rising return on assets | 1.14% | 0.97% | Pass | 1 |
| Cash flow above net income | (83.00m) | 183.00m | Fail | 0 |
| Falling long-term leverage | 0.04 | 0.06 | Pass | 1 |
| Rising current ratio | 0.92 | 0.94 | Fail | 0 |
| No new shares issued | 360,838,000 | 361,444,000 | Pass | 1 |
| Rising gross margin | 65.49% | 62.15% | Pass | 1 |
| Rising asset turnover | 0.05 | 0.05 | Pass | 1 |
| Piotroski F-score | Strong — most fundamentals improved | 7 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| GBCI Glacier Bancorp, Inc. compare | 8 |
| HOMB Home BancShares, Inc. compare | 8 |
| UBSI United Bankshares, Inc. compare | 8 |
| IFS Intercorp Financial Services Inc. compare | 7 |
| HWC Hancock Whitney Corporation compare | 7 |
| ASB Associated Banc-Corp compare | 7 |
| FNB F.N.B. Corporation | 7 |
| AUB Atlantic Union Bankshares Corporation compare | 6 |
| ABCB Ameris Bancorp compare | 6 |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover