F.N.B. Corporation (FNB) reported $1.84B of revenue for the twelve months ended Sep 30, 2026. That is up 9.5% from the year before. Revenue for fiscal 2025 was $1.76B.

Yes. F.N.B. Corporation earned $607.00M in net income for the twelve months ended Sep 30, 2026, a net margin of 33.0%.

How much cash and debt does FNB have?

F.N.B. Corporation reported $2.53B in cash and cash equivalents and $1.80B of debt on its most recent balance sheet in SEC filings.

How fast is FNB revenue growing?

F.N.B. Corporation's revenue changed +10.6% in fiscal 2025, to $1.76B. Its compound annual growth rate was +7.7% over 5 years and +10.3% over 10 years.

What is FNB free cash flow?

F.N.B. Corporation generated $723.00M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $828.00M less capital expenditures.

What is FNB earnings per share?

Diluted earnings per share were $1.70 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.

When did FNB last report financial results?

The latest statements here come from F.N.B. Corporation's 10-Q filed on Nov 3, 2026, covering the period ended Sep 30, 2026.

Where does this FNB financial data come from?

Quantisnow builds these statements from the structured XBRL data F.N.B. Corporation files with the SEC. It is provided for information only and is not investment advice.

Financials · FNB

F.N.B. Corporation (FNB) financials

For the twelve months ended Sep 30, 2026, F.N.B. Corporation reported $1.84B of revenue and $607.00M of net income.

Revenue, TTM: $1.84B
Revenue growth, YoY: +9.5%
Net income, TTM: $607.00M
Net income growth, YoY: +19.7%
Net margin: 33.0%
Free cash flow, TTM: $723.00M
EPS, diluted, TTM: $1.70
EPS growth, YoY: +21.4%
Cash: $2.53B
Total debt: $1.80B
P/E: 10.35
P/S: 3.41
Market cap: $6.28B

Annual revenue$1.76B

FY2016FY2025

Annual net income$565.00M

FY2016FY2025

Annual free cash flow$376.00M

FY2016FY2025

FNB revenue and earnings growth

FNB revenueQ3 2026$469.00M

Quarter YoY: +2.6%
QoQ: +1.3%
FY YoY: +10.6%
5Y CAGR: +7.7%
10Y CAGR: +10.3%

FNB revenue was $469.00M in fiscal Q3 2026 (ended Sep 30, 2026), up 2.6% from a year earlier and up 1.3% from the prior quarter. For the full fiscal 2025 it was $1.76B, up 10.6% from fiscal 2024. Compound annual growth was +7.7% over 5 years and +10.3% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

FNB net incomeQ3 2026$153.00M

Quarter YoY: +2.0%
QoQ: +2.7%
FY YoY: +21.5%
5Y CAGR: +14.6%
10Y CAGR: +13.5%

FNB net income was $153.00M in fiscal Q3 2026 (ended Sep 30, 2026), up 2.0% from a year earlier and up 2.7% from the prior quarter. For the full fiscal 2025 it was $565.00M, up 21.5% from fiscal 2024. Compound annual growth was +14.6% over 5 years and +13.5% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

FNB EPSQ3 2026$0.43

Quarter YoY: +4.9%
QoQ: +2.4%
FY YoY: +22.8%
5Y CAGR: +12.9%

FNB diluted EPS was $0.43 in fiscal Q3 2026 (ended Sep 30, 2026), up 4.9% from a year earlier and up 2.4% from the prior quarter. For the full fiscal 2025 it was $1.56, up 22.8% from fiscal 2024. Compound annual growth was +12.9% over 5 years.

FNB free cash flowQ3 2026$250.00M

Quarter YoY: +67.8%
QoQ: +3.7%
FY YoY: -25.2%
5Y CAGR: +39.2%
10Y CAGR: +5.8%

FNB free cash flow was $250.00M in fiscal Q3 2026 (ended Sep 30, 2026), up 67.8% from a year earlier and up 3.7% from the prior quarter. For the full fiscal 2025 it was $376.00M, down 25.2% from fiscal 2024. Compound annual growth was +39.2% over 5 years and +5.8% over 10 years. It rose in 5 of the last 10 fiscal years.

Export CSV

Income statement

Income statement
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue	$1.76B	$1.60B	$1.57B	$1.44B	$1.24B	$1.22B	$1.21B	$1.21B	$1.10B	$813.00M
Interest expense	-	-	$656.00M	$165.00M	$98.00M	$208.00M	$330.00M	$238.00M	$134.00M	$67.00M
Pre-tax income	$669.00M	$555.00M	$584.00M	$553.00M	$503.00M	$343.00M	$471.00M	$452.00M	$356.00M	$246.00M
Income tax	$104.00M	$90.00M	$99.00M	$114.00M	$98.00M	$57.00M	$84.00M	$79.00M	$157.00M	$75.00M
Net income	$565.00M	$465.00M	$485.00M	$439.00M	$405.00M	$286.00M	$387.00M	$373.00M	$199.00M	$171.00M
EPS, basic	$1.57	$1.27	$1.32	$1.23	$1.24	$0.86	$1.17	$1.13	$0.63	$0.79
EPS, diluted	$1.56	$1.27	$1.31	$1.22	$1.23	$0.85	$1.16	$1.12	$0.63	$0.78
Diluted shares	362.0M	362.6M	362.9M	354.1M	323.5M	325.5M	326.1M	325.6M	303.9M	207.8M

Balance sheet

Balance sheet
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Cash and equivalents	$2.50B	$2.42B	$1.58B	$1.67B	$3.49B	$1.38B	$599.00M	$488.00M	$479.00M	$371.00M
Goodwill	$2.48B	$2.48B	$2.48B	$2.48B	$2.26B	$2.26B	$2.26B	$2.25B	$2.25B	$1.03B
Total assets	$50.23B	$48.63B	$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
Total debt	$1.90B	$3.01B	$1.97B	$1.09B	$682.00M	$1.09B	$1.34B	$627.00M	$668.00M	$539.49M
Total liabilities	$43.47B	$42.32B	$40.11B	$38.07B	$34.36B	$32.40B	$29.73B	$28.49B	$27.01B	$19.27B
Shareholders' equity	$6.76B	$6.30B	$6.05B	$5.65B	$5.15B	$4.96B	$4.88B	$4.61B	$4.41B	$2.57B

Cash flow

Cash flow
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Operating cash flow	$482.00M	$642.00M	$423.00M	$1.22B	$530.00M	$113.00M	$259.00M	$611.00M	$279.00M	$293.00M
Capital expenditures	$106.00M	$139.00M	$88.00M	$95.00M	$58.00M	$41.00M	$46.00M	$35.00M	$57.00M	$60.00M
Free cash flow	$376.00M	$503.00M	$335.00M	$1.12B	$472.00M	$72.00M	$213.00M	$576.00M	$222.00M	$233.00M
Investing cash flow	-$1.49B	-$1.70B	-$2.26B	-$3.06B	-$153.00M	-$1.82B	-$1.13B	-$1.92B	-$1.53B	-$1.26B
Financing cash flow	$1.08B	$1.90B	$1.74B	$18.00M	$1.73B	$2.49B	$983.00M	$1.32B	$1.36B	$849.00M
Dividends paid	$174.00M	$175.00M	$174.00M	$171.00M	$156.00M	$157.00M	$157.00M	$157.00M	$143.00M	$102.00M
Share repurchases	$50.00M	$3.00M	$36.00M	$43.00M	$43.00M	$38.00M	$0	$0	-	-
Depreciation and amortization	$77.00M	$67.00M	$78.00M	$73.00M	$10.00M	-$3.00M	$45.00M	$109.00M	$89.00M	$61.00M

Key ratios

Key ratios
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue growth, YoY	10.6%	1.6%	8.9%	16.7%	1.7%	0.4%	0.2%	10.0%	35.1%	23.1%
Net income growth, YoY	21.5%	-4.1%	10.5%	8.4%	41.6%	-26.1%	3.8%	87.4%	16.4%	7.1%
EPS growth, YoY	22.8%	-3.1%	7.4%	-0.8%	44.7%	-26.7%	3.6%	77.8%	-	-9.3%
Net margin	32.0%	29.1%	30.9%	30.4%	32.7%	23.5%	32.0%	30.9%	18.1%	21.0%
Free cash flow margin	21.3%	31.5%	21.3%	77.8%	38.2%	5.9%	17.6%	47.7%	20.2%	28.7%
Return on equity	8.4%	7.4%	8.0%	7.8%	7.9%	5.8%	7.9%	8.1%	4.5%	6.6%
Return on assets	1.1%	1.0%	1.1%	1.0%	1.0%	0.8%	1.1%	1.1%	0.6%	0.8%
Debt to equity	0.28	0.48	0.33	0.19	0.13	0.22	0.27	0.14	0.15	0.21

Income statement

Income statement
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue	$469.00M	$463.00M	$450.00M	$458.00M	$457.00M	$439.00M	$411.00M	$373.00M	$412.00M	$404.00M	$407.00M	$338.00M
Interest expense	-	-	-	-	-	-	-	-	-	-	$224.00M	$207.00M
Pre-tax income	$193.00M	$188.00M	$174.00M	$165.00M	$190.00M	$166.00M	$148.00M	$102.00M	$140.00M	$157.00M	$156.00M	$59.00M
Income tax	$40.00M	$39.00M	$37.00M	-$3.00M	$40.00M	$36.00M	$31.00M	-$8.00M	$30.00M	$34.00M	$34.00M	$8.00M
Net income	$153.00M	$149.00M	$137.00M	$168.00M	$150.00M	$130.00M	$117.00M	$110.00M	$110.00M	$123.00M	$122.00M	$51.00M
EPS, basic	$0.43	$0.42	$0.38	$0.48	$0.41	$0.36	$0.32	$0.31	$0.30	$0.34	$0.32	$0.13
EPS, diluted	$0.43	$0.42	$0.38	$0.47	$0.41	$0.36	$0.32	$0.31	$0.30	$0.34	$0.32	$0.12
Diluted shares	355.0M	357.4M	360.2M	-	361.7M	362.3M	363.1M	-	362.4M	362.7M	362.6M	-

Balance sheet

Balance sheet
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Cash and equivalents	$2.53B	$2.38B	$2.66B	$2.50B	$2.41B	$2.43B	$2.44B	$2.42B	$2.08B	$1.88B	$1.49B	$1.58B
Goodwill	$2.48B	$2.48B	$2.48B	$2.48B	$2.48B	$2.48B	$2.48B	$2.48B	$2.48B	$2.48B	$2.48B	$2.48B
Total assets	$52.05B	$51.00B	$50.63B	$50.23B	$49.89B	$49.73B	$49.02B	$48.63B	$47.98B	$47.72B	$45.90B	$46.16B
Short-term debt	$3.00B	$2.68B	$2.16B	$2.02B	$1.91B	$1.88B	$1.97B	$1.26B	$1.56B	$3.62B	$2.07B	$2.51B
Total debt	$1.80B	$2.00B	$2.00B	$1.90B	$2.10B	$2.69B	$2.51B	$3.01B	$2.52B	$2.02B	$2.12B	$1.97B
Total liabilities	$45.24B	$44.16B	$43.83B	$43.47B	$43.25B	$43.20B	$42.60B	$42.32B	$41.73B	$41.63B	$39.89B	$40.11B
Shareholders' equity	$6.81B	$6.84B	$6.80B	$6.76B	$6.64B	$6.52B	$6.42B	$6.30B	$6.25B	$6.09B	$6.01B	$6.05B

Cash flow

Cash flow
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Operating cash flow	$291.00M	$258.00M	$151.00M	$128.00M	$167.00M	$123.00M	$64.00M	$326.00M	-$14.00M	$85.00M	$245.00M	-$20.00M
Capital expenditures	$41.00M	$17.00M	$18.00M	$29.00M	$18.00M	$38.00M	$21.00M	$48.00M	$32.00M	$30.00M	$29.00M	$17.00M
Free cash flow	$250.00M	$241.00M	$133.00M	$99.00M	$149.00M	$85.00M	$43.00M	$278.00M	-$46.00M	$55.00M	$216.00M	-$37.00M
Investing cash flow	-$1.04B	-$750.00M	-$299.00M	-$215.00M	-$256.00M	-$681.00M	-$335.00M	-$470.00M	$31.00M	-$1.34B	$76.00M	-$537.00M
Financing cash flow	$898.00M	$208.00M	$309.00M	$172.00M	$75.00M	$540.00M	$297.00M	$485.00M	$181.00M	$1.65B	-$410.00M	$496.00M
Dividends paid	$46.00M	$47.00M	$43.00M	$43.00M	$44.00M	$43.00M	$44.00M	$44.00M	$44.00M	$43.00M	$44.00M	$44.00M
Share repurchases	$52.00M	$47.00M	$35.00M	$18.00M	$12.00M	$10.00M	$10.00M	$0	$0	$3.00M	$0	-$1.00M
Depreciation and amortization	$23.00M	$25.00M	$23.00M	$22.00M	$18.00M	$19.00M	$18.00M	$18.00M	$17.00M	$18.00M	$14.00M	$17.00M

Key ratios

Key ratios
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue growth, YoY	2.6%	5.5%	9.5%	22.8%	10.9%	8.7%	1.0%	10.4%	1.2%	-1.5%	-2.2%	-18.6%
Net income growth, YoY	2.0%	14.6%	17.1%	52.7%	36.4%	5.7%	-4.1%	115.7%	-24.1%	-13.4%	-17.0%	-63.3%
EPS growth, YoY	4.9%	16.7%	18.8%	51.6%	36.7%	5.9%	0.0%	158.3%	-25.0%	-12.8%	-20.0%	-69.2%
Net margin	32.6%	32.2%	30.4%	36.7%	32.8%	29.6%	28.5%	29.5%	26.7%	30.4%	30.0%	15.1%
Free cash flow margin	53.3%	52.1%	29.6%	21.6%	32.6%	19.4%	10.5%	74.5%	-11.2%	13.6%	53.1%	-10.9%
Debt to equity	0.26	0.29	0.29	0.28	0.32	0.41	0.39	0.48	0.40	0.33	0.35	0.33

Source: XBRL data F.N.B. Corporation files with the SEC, latest filing dated Nov 3, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

FNB peers

Company	Revenue	Growth	Net income	Net margin	Market cap
FNB	$1.84B	+9.5%	$607.00M	33.0%	$6.28B
JPMJP Morgan Chase & Co.	$203.15B	+13.2%	$65.98B	32.5%	$888.26B
BACBank of America Corporation	$120.16B	+5.4%	$32.24B	26.8%	$340.97B
WFCWells Fargo & Company	$87.23B	+5.4%	$22.97B	26.3%	$251.98B
CCitigroup Inc.	$85.22B	+5.6%	$14.31B	16.8%	$199.70B
UBSUBS Group AG Registered	$49.57B	+2.0%	$7.80B	15.7%	$148.27B
COFCapital One Financial Corporation	$63.01B	+31.2%	$10.87B	17.2%	$121.43B
MFGMizuho Financial Group Inc. Sponosred ADR (Japan)	¥8.79T	+7.6%	¥1.16T	13.2%	$116.96B
BNSBank Nova Scotia Halifax Pfd 3	C$37.74B	+12.1%	C$7.79B	20.6%	$112.48B

FNB FAQ

8 questions

What is FNB revenue?
F.N.B. Corporation (FNB) reported $1.84B of revenue for the twelve months ended Sep 30, 2026. That is up 9.5% from the year before. Revenue for fiscal 2025 was $1.76B.
Is FNB profitable?
Yes. F.N.B. Corporation earned $607.00M in net income for the twelve months ended Sep 30, 2026, a net margin of 33.0%.
How much cash and debt does FNB have?
F.N.B. Corporation reported $2.53B in cash and cash equivalents and $1.80B of debt on its most recent balance sheet in SEC filings.
How fast is FNB revenue growing?
F.N.B. Corporation's revenue changed +10.6% in fiscal 2025, to $1.76B. Its compound annual growth rate was +7.7% over 5 years and +10.3% over 10 years.
What is FNB free cash flow?
F.N.B. Corporation generated $723.00M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $828.00M less capital expenditures.
What is FNB earnings per share?
Diluted earnings per share were $1.70 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
When did FNB last report financial results?
The latest statements here come from F.N.B. Corporation's 10-Q filed on Nov 3, 2026, covering the period ended Sep 30, 2026.
Where does this FNB financial data come from?
Quantisnow builds these statements from the structured XBRL data F.N.B. Corporation files with the SEC. It is provided for information only and is not investment advice.