NYSE · Financial Statements

F.N.B. Corporation (FNB) Financial Statements

$18.18 NYSE: FNB Market Cap $6.42B

F.N.B. Corporation most recently reported annual revenue of $2.7B, net profit of $565.0M. Revenue grew at an average annual rate of 13.3% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

F.N.B. Corporation: Revenue rose from $880.0M in 2016 to $2.7B in 2025, a change of +206.3% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 27.9% to 24.8%, a shift of -3.1 percentage points; the most recent year shows net profit of $565.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$880.0M$1.2B$1.4B$1.5B$1.4B$1.3B$1.6B$2.2B$2.6B$2.7B
Operating Expenses$634.0M$876.0M$994.0M$1.1B$1.1B$832.0M$1.1B$1.6B$2.0B$2.0B
Operating Profit$246.0M$356.0M$452.0M$471.0M$343.0M$503.0M$553.0M$584.0M$555.0M$669.0M
Operating Margin27.9%28.9%31.3%30.6%23.8%37.7%34.4%26.2%21.6%24.8%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$67.0M$134.0M$238.0M$330.0M$208.0M$98.0M$165.0M$656.0M$972.0M$930.0M
Depreciation$61.0M$89.0M$109.0M$45.0M$-3.0M$10.0M$73.0M$78.0M$67.0M$77.0M
Profit Before Tax$246.0M$356.0M$452.0M$471.0M$343.0M$503.0M$553.0M$584.0M$555.0M$669.0M
Tax$30.5M$44.1M$17.5M$17.8M$16.6M$19.5M$20.6M$16.9M$16.2M$15.5M
Net Profit$171.0M$199.0M$373.0M$387.0M$286.0M$405.0M$439.0M$485.0M$465.0M$565.0M
EPS$0.78$0.63$1.12$1.16$0.85$1.23$1.22$1.31$1.27$1.56
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$594.0M$545.0M$631.0M$645.0M$672.0M$620.0M$647.0M$674.0M$694.0M$680.0M$660.0M$675.0M
Operating Expenses$430.0M$486.0M$475.0M$488.0M$532.0M$518.0M$500.0M$508.0M$504.0M$514.0M$486.0M$487.0M
Operating Profit$164.0M$59.0M$156.0M$157.0M$140.0M$102.0M$147.0M$166.0M$190.0M$166.0M$174.0M$188.0M
Operating Margin27.6%10.8%24.7%24.3%20.8%16.4%22.8%24.6%27.4%24.4%26.3%27.9%
Interest$187.0M$207.0M$224.0M$241.0M$260.0M$247.0M$236.0M$235.0M$237.0M$222.0M$210.0M$212.0M
Profit Before Tax$164.0M$59.0M$156.0M$157.0M$140.0M$102.0M$147.0M$166.0M$190.0M$166.0M$174.0M$188.0M
Tax$11.6M$13.6M$21.8M$21.7M$21.4M$-7.8M$20.9M$21.7M$21.1M$-1.8M$21.2M$20.9M
Net Profit$145.0M$51.0M$122.0M$123.0M$110.0M$110.0M$117.0M$130.0M$150.0M$169.0M$137.0M$149.0M
EPS$0.40$0.13$0.32$0.34$0.30$0.30$0.32$0.36$0.41$0.47$0.38$0.42

Over the 10 years reported for F.N.B. Corporation, borrowings increased from $3.0B in 2016 to $3.9B in 2025, cash stood at $2.5B in the latest year, shareholders' equity was $4.0M, current assets covered current liabilities 1.01 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$21.8B$31.4B$33.1B$34.6B$37.4B$39.5B$43.7B$46.2B$48.6B$50.2B
Current Assets$2.8B$3.5B$4.2B$4.3B$5.3B$7.4B$5.5B$5.4B$6.1B$41.1B
Cash$371.0M$479.0M$488.0M$599.0M$1.4B$3.5B$1.7B$1.6B$2.4B$2.5B
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$197.0M$267.0M$373.0M$432.0M$468.0M$480.0M$506.0M$578.0M$742.0M$34.3B
Fixed Assets$244.0M$337.0M$330.0M$333.0M$332.0M$345.0M$432.0M$461.0M$536.0M$568.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$19.1B$26.7B$28.2B$29.3B$31.1B$31.3B$36.8B$39.0B$40.4B$7.8B
Other Assets$1.0B$2.2B$2.3B$2.3B$2.3B$2.3B$2.5B$2.5B$2.5B$2.5B
Total Liabilities$19.3B$27.0B$28.5B$29.7B$32.4B$34.4B$38.1B$40.1B$42.3B$43.5B
Current Liabilities$18.4B$25.9B$27.5B$27.9B$30.8B$33.1B$36.0B$37.1B$38.2B$40.8B
Borrowings$3.0B$4.3B$4.8B$4.6B$2.9B$2.2B$2.5B$4.5B$4.3B$3.9B
Other Liabilities$16.2B$22.7B$23.7B$25.2B$29.5B$32.1B$35.6B$35.6B$38.1B$39.6B
Equity$2.0M$3.0M$3.0M$3.0M$3.0M$3.0M$4.0M$4.0M$4.0M$4.0M
Reserves$2.6B$4.4B$4.6B$4.9B$5.0B$5.2B$5.7B$6.0B$6.3B$6.8B

For F.N.B. Corporation, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $376.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$293.0M$279.0M$611.0M$259.0M$113.0M$530.0M$1.2B$423.0M$642.0M$482.0M
Investing Cash Flow$-1.3B$-1.6B$-2.0B$-1.2B$-1.9B$-211.0M$-3.1B$-2.3B$-1.8B$-1.6B
Financing Cash Flow$816.0M$1.2B$1.1B$1.3B$4.3B$2.6B$226.0M$-90.0M$2.4B$1.6B
Net Cash Flow$-118.0M$108.0M$9.0M$111.0M$784.0M$2.1B$-1.8B$-98.0M$843.0M$79.0M
Free Cash Flow$233.0M$222.0M$576.0M$213.0M$72.0M$472.0M$1.1B$335.0M$503.0M$376.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.32
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y14.45%
Return 3Y79.38%
Return 5Y96.60%

F.N.B. Corporation (FNB) financials — frequently asked questions

What is F.N.B. Corporation's annual revenue?

F.N.B. Corporation (FNB) reported annual revenue of $2.7B in its most recent fiscal year.

What is F.N.B. Corporation's net profit?

F.N.B. Corporation (FNB) reported net profit of $565.0M in its most recent fiscal year.

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