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%

Follow FNB

Alert me

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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

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%)

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
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

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.