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FNB

F.N.B. Corporation

FNB

F.N.B. Corporation • NYSE
$16.64 ▼ -0.12% (-0.02)
Market Cap $5.96 B
52w High $17.13
52w Low $10.88
Dividend Yield 0.48%
P/E 11.89
Volume 1.64M
Outstanding Shares 358.15M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $694M ▲ $243M ▼ $150M ▲ 21.614% ▲ $0.41 ▲ $208M ▲
Q2-2025 $674M ▲ $247M ▲ $130M ▲ 19.288% ▲ $0.36 ▲ $185M ▲
Q1-2025 $647.203M ▲ $246M ▼ $116.515M ▲ 18.003% ▲ $0.32 ▲ $166M ▲
Q4-2024 $620M ▼ $248M ▼ $110M 17.742% ▲ $0.3 $120M ▼
Q3-2024 $672M $249M $110M 16.369% $0.3 $157M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $5.529B ▲ $49.889B ▲ $43.253B ▲ $6.636B ▲
Q2-2025 $5.524B ▲ $49.725B ▲ $43.201B ▲ $6.524B ▲
Q1-2025 $5.482B ▲ $49.02B ▲ $42.602B ▲ $6.418B ▲
Q4-2024 $5.394B ▼ $48.625B ▲ $42.323B ▲ $6.302B ▲
Q3-2024 $5.572B $47.976B $41.727B $6.249B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $150M ▲ $167M ▲ $-256M ▲ $75M ▼ $-14M ▲ $149M ▲
Q2-2025 $130M ▲ $123M ▲ $-681M ▼ $540M ▲ $-18M ▼ $85M ▲
Q1-2025 $117M ▲ $64M ▼ $-335M ▲ $297M ▼ $26M ▼ $43M ▼
Q4-2024 $110M $326M ▲ $-470M ▼ $485M ▲ $341M ▲ $278M ▲
Q3-2024 $110M $-14M $31M $181M $198M $-46M

Five-Year Company Overview

Income Statement

Income Statement F.N.B. has grown its revenue steadily over the past several years, showing that its franchise is expanding and it is finding more ways to generate income. Profitability has generally trended upward as well, although the most recent year shows a slight softening in earnings per share versus the prior peak, which can hint at higher funding costs, integration expenses, or other operating pressures. Overall, the income statement reflects a mature regional bank that is still growing, but now working harder to protect margins in a tougher rate and cost environment.

Balance Sheet

Balance Sheet The balance sheet has been getting larger, with total assets and shareholder equity rising consistently, which underscores measured long‑term growth. Cash levels have moved around from year to year but remain healthy, suggesting active liquidity management rather than stress. Borrowings have increased over time and then eased slightly most recently, meaning the bank is using more leverage than in the past but backing it with a bigger capital base; this is typical for a growing regional bank, but it does raise sensitivity to interest rates and funding conditions.

Cash Flow

Cash Flow F.N.B. is consistently generating cash from its core operations, though the amounts swing meaningfully from year to year, which is common for banks given how they manage loans and deposits. After normal business investment, free cash flow has stayed positive, helped by relatively modest capital spending needs. This pattern points to a business that can mostly fund its own growth and shareholder returns from internal cash generation, but where cash flow timing can be lumpy rather than smooth.

Competitive Edge

Competitive Edge Within the regional banking space, F.N.B. combines classic community banking strengths—local relationships, diversified lending, and fee businesses—with a more modern digital platform. Its mix of commercial, consumer, and wealth services gives it several different engines for revenue and reduces dependence on any single niche. Disciplined credit culture, a history of thoughtful acquisitions, and above‑average customer focus support its standing, though it still faces heavy competition from national banks, other regionals, and fintech players, especially on deposits and digital convenience.

Innovation and R&D

Innovation and R&D The company is unusually forward‑leaning on technology for a regional bank, with its eStore® digital marketplace, omnichannel “clicks‑to‑bricks” approach, and specialized programs for doctors and small businesses standing out. It is investing in data science and artificial intelligence to personalize offers, sharpen risk management, and automate back‑office work, supported by a dedicated AI and innovation leader. Planned enhancements, such as adding more business products to the digital platform and further automation as it crosses higher regulatory thresholds, show a clear roadmap to deepen its digital moat and improve efficiency over time.

Summary

F.N.B. looks like a steadily growing regional bank that has paired traditional community banking with a serious push into digital and data‑driven services. Earnings have generally improved over the years, supported by a larger balance sheet and multiple business lines, even though the latest period shows some pressure on per‑share results. Cash generation is solid and capital levels have risen along with assets, while greater use of borrowings introduces more sensitivity to rates and funding markets. Its competitive edge rests on technology integration, customer‑centric culture, and disciplined acquisitions, but it must continue executing well in a highly competitive and heavily regulated environment. Overall, the story is one of a regional bank trying to secure long‑term relevance and efficiency through innovation while managing the usual banking risks of credit cycles, interest rates, and regulation.

NEWS

November 12, 2025 · 3:34 PM UTC

F.N.B. Corporation Declares Cash Dividend of $0.12 on Common Stock

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November 4, 2025 · 10:26 AM UTC

Les FNB Evolve (BIGY) ouvrent les marchés

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October 30, 2025 · 1:00 PM UTC

FNB Reinforces Standing as a Leading Employer with 2025 National Culture Excellence Awards

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October 23, 2025 · 9:30 AM UTC

FNB CEO Vincent J. Delie, Jr. Named 'CEO of the Year - USA' by The Digital Banker

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October 16, 2025 · 4:30 PM UTC

F.N.B. Corporation Reports Third Quarter 2025 Earnings

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