FNB CORP/PA/ FNB

Financials SIC 6021 - National Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived NYSE

We are a Pennsylvania corporation, a bank holding company and a financial holding company. We are incorporated under the laws of the Commonwealth of Pennsylvania, and through our subsidiaries, we have been in business since 1864. Our headquarters is located at 626 Washington Place, Pittsburgh, Pennsylvania 15219. As a diversified financial services holding company, FNB, through our subsidiaries, provides a full range of financial services, principally to consumers, corporations, governments and small- to medium-sized businesses in our market areas through our subsidiary network, which is led by our largest subsidiary, FNBPA. Our business strategy focuses primarily on providing quality, consumer- and commercial-based financial services adapted to the needs of each of the markets we serve. We seek to maintain our community orientation by providing local management with certain autonomy in decision making, enabling them to respond to customer requests more quickly and to concentrate on efficiently delivering products and services within their market areas. However, we have centralized operations, support and risk functions (e.g., loan operations, treasury and enterprise risk management). The centralization of these processes enables us to maintain consistent quality of these functions and to achieve certain economies of scale.

Last close 18.18 2026-10-23
Market cap $6.42B 2026-06-30 share count
52-week range 15.21 - 19.59

Valuation FY2025 figures against the last close

P/S2.8x
P/E11.7x
P/FCF17.1x
EV/EBITDA—
Dividend yield2.7%
Diluted EPS1.56

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $2.33B$2.25B$1.97B$1.28B$1.00B$1.13B$1.25B$1.17B$980.0M$679.0M
Interest expense $1.40B$1.28B$1.32B$1.12B$98.0M$208.0M$330.0M$238.0M$134.0M$67.0M
Pre-tax income $669.0M$555.0M$584.0M$553.0M$503.0M$343.0M$471.0M$452.0M$356.0M$246.0M
Income tax $104.0M$90.0M$99.0M$114.0M$98.0M$57.0M$84.0M$79.0M$157.0M$75.0M
Net income $565.0M$465.0M$485.0M$439.0M$405.0M$286.0M$387.0M$373.0M$199.0M$171.0M
EPS, basic 1.571.271.321.231.240.861.171.130.630.79
EPS, diluted 1.561.271.311.221.230.851.161.120.630.78
Shares, diluted (wtd. avg.) 362.0M362.6M362.9M354.1M323.5M325.5M326.1M325.6M303.9M207.8M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $2.50B$2.42B$1.58B$1.67B$3.49B$1.38B$599.0M$488.0M$479.0M$371.0M
Property, plant and equipment —————$332.0M$333.0M$330.0M$337.0M$244.0M
Goodwill $2.48B$2.48B$2.48B$2.48B$2.26B$2.26B$2.26B$2.25B$2.25B$1.03B
Other intangibles $36.0M$51.0M$69.0M$89.0M$42.0M$54.0M$67.0M$79.0M$92.0M$53.8M
Total assets $50.23B$48.62B$46.16B$43.73B$39.51B$37.35B$34.62B$33.10B$31.42B$21.84B
Short-term debt $2.02B$1.26B$2.51B$1.37B$1.54B$1.80B$3.22B$4.13B$3.68B$2.50B
Long-term debt $1.90B$3.01B$1.97B$1.09B$682.0M$1.09B$1.34B$627.0M$668.0M$539.5M
Total liabilities $43.47B$42.32B$40.11B$38.07B$34.36B$32.40B$29.73B$28.49B$27.01B$19.27B
Retained earnings $2.34B$1.95B$1.67B$1.37B$1.11B$869.0M$798.0M$576.0M$368.0M$304.4M
Total equity $6.76B$6.30B$6.05B$5.65B$5.15B$4.96B$4.88B$4.61B$4.41B$2.57B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $482.0M$642.0M$423.0M$1.22B$530.0M$113.0M$259.0M$611.0M$279.0M$293.0M
Depreciation and amortisation $77.0M$67.0M$78.0M$73.0M$10.0M-$3.0M$45.0M$109.0M$89.0M$61.0M
Capital expenditure $106.0M$139.0M$88.0M$95.0M$58.0M$41.0M$46.0M$35.0M$57.0M$60.0M
Investing cash flow -$1.49B-$1.70B-$2.26B-$3.06B-$153.0M-$1.82B-$1.13B-$1.92B-$1.53B-$1.26B
Financing cash flow $1.08B$1.90B$1.74B$18.0M$1.73B$2.49B$983.0M$1.32B$1.36B$849.0M
Dividends paid $174.0M$175.0M$174.0M$171.0M$156.0M$157.0M$157.0M$157.0M$143.0M$102.0M
Buybacks $50.0M$3.0M$36.0M$43.0M$43.0M$38.0M$0$0——

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000037808-26-000007.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 1B 2B 3B Revenue, FY2016: 679M Net income, FY2016: 171M Revenue, FY2017: 980M Net income, FY2017: 199M Revenue, FY2018: 1.2B Net income, FY2018: 373M Revenue, FY2019: 1.2B Net income, FY2019: 387M Revenue, FY2020: 1.1B Net income, FY2020: 286M Revenue, FY2021: 1B Net income, FY2021: 405M Revenue, FY2022: 1.3B Net income, FY2022: 439M Revenue, FY2023: 2B Net income, FY2023: 485M Revenue, FY2024: 2.3B Net income, FY2024: 465M Revenue, FY2025: 2.3B Net income, FY2025: 565M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $679.0M $980.0M $1.17B $1.25B $1.13B $1.00B $1.28B $1.97B $2.25B $2.33B
Gross profit — — — — — — — — — —
Net income $171.0M $199.0M $373.0M $387.0M $286.0M $405.0M $439.0M $485.0M $465.0M $565.0M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Officer or director change Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02
  • Officer or director change Item 5.02
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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