FNB Corp (FNB) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, FNB reported revenue of $1.76B, up 10.6% from $1.60B the year before. Net income was $565.0M (a 32.0% net margin), or $1.56 per diluted share. Net interest income was $1.40B, and the efficiency ratio (noninterest expense / revenue) was 57.2%. Operating activities generated $482.0M of cash, leaving $376.0M of free cash flow. At fiscal year end, FNB held $50.23B in total assets against $43.47B in total liabilities, including $2.50B of cash and equivalents.
Open the full interactive FNB financials → Quarterly statements, key ratios, valuation history and price charts.
FNB Key Stats
| Share Price | $17.05 |
|---|---|
| Market Cap | $6.09B |
| P/E Ratio | 10.9 |
| Revenue YoY Growth | +10.6% |
| 52-Week Range | $14.23 – $19.35 |
| Shares Outstanding | 356.6 million (basic, 2026 Q2) |
FNB Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $922.0M | $907.0M | $1.12B | $1.32B | $1.28B | $1.40B |
| Provision for Credit Losses | $123.0M | $1.0M | $64.2M | $72.0M | $80.0M | $86.0M |
| Noninterest Income | $294.0M | $330.0M | $323.0M | $254.0M | $316.0M | $369.0M |
| Noninterest Expense | $750.0M | $733.0M | $826.0M | $915.0M | $961.0M | $1.01B |
| Revenue | $1.22B | $1.24B | $1.44B | $1.57B | $1.60B | $1.76B |
| Pre-Tax Income | $343.0M | $503.0M | $553.0M | $584.0M | $555.0M | $669.0M |
| Income Tax | $57.0M | $98.0M | $114.0M | $99.0M | $90.0M | $104.0M |
| Net Income | $286.0M | $405.0M | $439.0M | $485.0M | $465.0M | $565.0M |
| Diluted EPS | $0.85 | $1.23 | $1.22 | $1.31 | $1.27 | $1.56 |
FNB Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $457.0M | $458.0M | $450.0M | $463.0M |
| Net Income | $150.0M | $168.0M | $137.0M | $149.0M |
| Diluted EPS | $0.41 | $0.46 | $0.38 | $0.42 |
FNB Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.38B | $3.49B | $1.67B | $1.58B | $2.42B | $2.50B |
| Loans (Net) | — | $24.62B | $29.85B | $31.92B | $33.52B | $34.34B |
| Total Assets | $37.35B | $39.51B | $43.73B | $46.16B | $48.62B | $50.23B |
| Deposits | $29.12B | $31.73B | $34.77B | $34.71B | $37.11B | $38.76B |
| Total Long-Term Debt | $1.09B | $682.0M | $1.09B | $1.97B | $3.01B | $1.90B |
| Total Liabilities | $32.40B | $34.36B | $38.07B | $40.11B | $42.32B | $43.47B |
| Shareholders' Equity | $4.96B | $5.15B | $5.65B | $6.05B | $6.30B | $6.76B |
FNB Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $113.0M | $530.0M | $1.22B | $423.0M | $642.0M | $482.0M |
| Cash From Investing | -$1.82B | -$153.0M | -$3.06B | -$2.26B | -$1.70B | -$1.49B |
| Cash From Financing | $2.49B | $1.73B | $18.0M | $1.74B | $1.90B | $1.08B |
| Free Cash Flow | $72.0M | $472.0M | $1.12B | $335.0M | $503.0M | $376.0M |
Figures from FNB's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full FNB financials page for every line item.
FNB Company Profile
| Ticker | FNB |
|---|---|
| Exchange | NYSE |
| Industry | National Commercial Banks |
| Headquarters | Pittsburgh, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000037808 |
Frequently Asked Questions
What was FNB's revenue in fiscal 2025?
FNB (FNB) reported revenue of $1.76B for fiscal 2025.
What is FNB's annual revenue history?
FNB's annual revenue by fiscal year: 2020: $1.22B; 2021: $1.24B; 2022: $1.44B; 2023: $1.57B; 2024: $1.60B; 2025: $1.76B.
What was FNB's net income in fiscal 2025?
FNB reported net income of $565.0M for fiscal 2025.
What was FNB's earnings per share (EPS) in fiscal 2025?
FNB's diluted EPS was $1.56 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did FNB generate in fiscal 2025?
FNB generated $376.0M of free cash flow in fiscal 2025.
What was FNB's revenue last quarter?
In its most recent reported quarter (2026 Q2), FNB reported revenue of $463.0M.
How much debt does FNB have?
FNB reported $1.90B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of FNB are outstanding?
FNB reported a weighted average of 356.6 million basic shares outstanding in 2026 Q2.
What is FNB's market cap?
Based on its latest closing price, FNB (FNB) has a market capitalization of about $6.09B.
When does FNB's fiscal year end?
FNB's fiscal year end, as registered with the SEC, is December 31.
Where is FNB headquartered?
FNB lists its business address in Pittsburgh, Pennsylvania in its SEC filings.