F.N.B. Corporation

F.N.B. Corporation

FNBยทNYSE

$17.07

-0.18%
Financial ServicesBanks - Regional

F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, Wealth Management, and Insurance. It offers commercial banking solutions, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. The company also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services; and wealth management services comprising personal and corporate fiduciary services comprising administration of decedent and trust estates; securities brokerage and investment advisory services, mutual funds, and annuities; and commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. As of December 31, 2021, it operated 334 banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$6.08B
EPS1.5700
P/E Ratio10.87
Earnings Date07/16/2026
3Y+68.0%
5Y+87.0%
10Y+206.0%
3Y+29.0%
5Y+98.0%
10Y+231.0%
3Y-60.0%
5Y+327.0%
10Y+65.0%
F.N.B. Corporation

F.N.B. Corporation Profit Bridge

FNB ยท NYSE
Revenue2.69B
Cost of Goods Sold (1.02B)
Gross Profit1.68B
Operating Expenses (1.01B)
Operating Income669.36M
Interest Expense (929.78M)
Other Income/Expense0.00
Pretax Income669.36M
Income Tax (103.97M)
Net Income565.39M
Net Income
565.39M

Profitability Analysis

Gross Margin

62.3%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

24.8%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

21.0%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

15.5%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

F.N.B. Corporation Income Statement

FNB โ€ข NYSE

F.N.B. Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
2.7B
2.6B
2.2B
1.6B
1.3B
1.4B
1.5B
1.4B
1.2B
880M
709.2M
662.3M
572.2M
559.8M
505.5M
485M
501.6M
513.1M
450.6M
421.7M
GROSS PROFIT
(1B)
(1.1B)
(728M)
(229M)
(99M)
(331M)
(374M)
(299M)
(195M)
(123M)
(89M)
(81.3M)
(75.4M)
(90.4M)
(108.3M)
(136.1M)
(188M)
(230.4M)
(186.7M)
(164M)
1.7B
1.5B
1.5B
1.4B
1.2B
1.1B
1.2B
1.1B
1B
757M
620.2M
581M
496.8M
469.4M
397.2M
349M
313.6M
282.7M
263.9M
257.7M
OPERATING INCOME
(1B)
(961M)
(915M)
(826M)
(733M)
(767M)
(696M)
(695M)
(681M)
(511M)
(390.5M)
(374.3M)
(334.2M)
(315.3M)
(278.2M)
(246.4M)
(263.2M)
(239.9M)
(165.7M)
(160.5M)
(715.8M)
(566M)
(540M)
(462M)
(450M)
(439M)
(411M)
(403M)
(360M)
(259M)
(237.7M)
(228.9M)
(208.5M)
(193.4M)
(174.1M)
(150.8M)
(158.1M)
(157.9M)
(92.4M)
(89.1M)
669.4M
555M
584M
553M
503M
343M
471M
452M
356M
246M
229.6M
206.7M
162.6M
154.2M
119.1M
102.5M
50.4M
42.8M
98.1M
97.2M
PRE-TAX INCOME
(929.8M)
(971.7M)
(656M)
(165M)
(98M)
(208M)
(330M)
(238M)
(134M)
(67M)
(48.6M)
(42.7M)
(44.3M)
(59.1M)
(74.6M)
(88.7M)
(121.2M)
(158M)
(174.1M)
(153.6M)
1.4B
1.3B
1.3B
1.1B
907M
922M
917M
932M
846M
612M
498.2M
466.1M
395.9M
372.5M
316.4M
284.9M
266.9M
251.5M
194.8M
188.8M
(294M)
(395M)
(375M)
(364M)
(283M)
(328M)
(285M)
(292M)
(321M)
(252M)
(152.9M)
(145.4M)
(125.8M)
(121.8M)
(104.1M)
(95.6M)
(105.1M)
(82M)
(73.3M)
(71.5M)
669.4M
555M
584M
553M
503M
343M
471M
452M
356M
246M
229.6M
206.7M
162.6M
154.2M
119.1M
102.5M
50.4M
42.8M
98.1M
97.2M
NET INCOME
(104M)
(90M)
(99M)
(114M)
(98M)
(57M)
(84M)
(79M)
(157M)
(75M)
(70M)
(62.6M)
(44.8M)
(43.8M)
(32M)
(27.9M)
(9.3M)
(7.2M)
(28.5M)
(29.5M)
565.4M
465M
485M
439M
405M
286M
387M
373M
199M
171M
159.6M
144.1M
117.8M
110.4M
87M
74.7M
41.1M
35.6M
69.7M
67.6M

SEC Filings

FNB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 19, 2026
May 15, 2026
2026
8-K

8-K 2026

N/A

May 08, 2026
May 06, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 06, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 17, 2026
April 16, 2026
2026
8-K

8-K 2026

N/A

April 14, 2026
April 14, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 25, 2026
May 06, 2026
2026
10-K

10-K 2025 FY

FY

February 24, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 21, 2026
January 20, 2026
2026
8-K

8-K 2025

N/A

November 05, 2025
November 05, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 05, 2025
September 30, 2025
2025
Showing 1 to 10 of 579 filings