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FNB

FNB NYSE Regional Banks Financials FY2016–FY2025

FNB's revenue rose 10.6% to $1.8 billion in fiscal 2025. Net income was $565 million, up 21.5%. Its return on equity was 8.7%, up from 7.5% a year earlier. Its efficiency ratio was 57.2%, down from 60.2% a year earlier. It paid out $224 million in dividends and buybacks. The diluted share count fell 0.2%.

Last close · Oct 23, 2026

$18.18

0.0%
Value it Compare
Revenue Total sales reported in the income statement.
$1.8B
10.6% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
57.2%
3.0 pts
Net income Profit after all expenses, interest and tax.
$565M
21.5%
Return on equity Net income as a share of average shareholders' equity.
8.7%
1.1 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$6.6B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
10.8x
On $1.68 EPS (TTM)

What FNB does

No business description yet.

Legal name
FNB CORP/PA/
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0000037808-26-000007
0000037808

Revenue and margins

FNB had $1.8B of revenue in fiscal 2025, up 10.6% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 8.0% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

FNB returned $224M to shareholders in fiscal 2025. The diluted share count fell 0.2%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value FNB yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

—

Reference multiples: today 10.8x · peers 14.4x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $24.6B$29.9B$31.9B$33.5B$34.3B
Deposits $31.7B$34.8B$34.7B$37.1B$38.8B
Loans / deposits 77.6%85.9%92.0%90.3%88.6%
Total assets $39.5B$43.7B$46.2B$48.6B$50.2B
Shareholders' equity $5.2B$5.7B$6.1B$6.3B$6.8B
Goodwill $2.3B$2.5B$2.5B$2.5B$2.5B
Intangible assets $42.0M$89.0M$69.0M$51.0M$36.0M
Provision / loans 0.0%0.2%0.2%0.2%0.3%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$1.4M

3 insiders

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
Aug 6, 2026 Bryant Mitchell DavidChief Wholesale Banking Office Sold 4,055 $19.25 $0.1M Form 4
Jun 12, 2026 Gary L GuerrieriChief Credit Officer Sold 19,000 $18.53 $0.4M Form 4
Dec 10, 2025 Gary L GuerrieriChief Credit Officer Sold 15,000 $17.67 $0.3M Form 4
Dec 2, 2025 James L DuteyCorporate Controller Sold 40,000 $16.75 $0.7M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
FNB FNB $6.6B 10.6% — — — 10.8x —
Valley Bank VLY $7.9B 9.3% — — — 11.9x — Compare →
Pinnacle Financial Partners PNFP $7.8B 18.3% — — — 24.9x — Compare →
Hancock Whitney HWC $6.3B 4.8% — — — 14.4x — Compare →
Flagstar Bank FLG $4.3B −19.2% — — — — — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $813M $1.1B $1.2B $1.2B $1.2B $1.2B $1.4B $1.6B $1.6B $1.8B
Net interest income $612M $846M $932M $917M $922M $907M $1.1B $1.3B $1.3B $1.4B
Noninterest income $201M $252M $276M $294M $294M $330M $323M $254M $316M $369M
Noninterest expense $511M $681M $695M $696M $750M $733M $826M $915M $961M $1.0B
Provision for credit losses — — $61.0M $44.0M $123M $1.0M $64.0M $72.0M $79.8M $86.0M
Pretax income $246M $356M $452M $471M $343M $503M $553M $584M $555M $669M
Income tax $75.0M $157M $79.0M $84.0M $57.0M $98.0M $114M $99.0M $90.0M $104M
Net income $171M $199M $373M $387M $286M $405M $439M $485M $465M $565M
Net income to common $163M $191M $365M $379M $278M $397M $431M $477M $459M $565M
Diluted EPS $0.78 $0.63 $1.12 $1.16 $0.85 $1.23 $1.22 $1.31 $1.27 $1.56
Diluted shares 0.21B 0.30B 0.33B 0.33B 0.33B 0.32B 0.35B 0.36B 0.36B 0.36B
Cash flow
Share buybacks $0.0M $0.0M $0.0M $0.0M $38.0M $43.0M $43.0M $36.0M $3.0M $50.0M
Dividends paid $102M $143M $157M $157M $157M $156M $171M $174M $175M $174M
Dividends and buybacks $102M $143M $157M $157M $195M $199M $214M $210M $178M $224M
Balance sheet
Loans, net $14.7B $20.8B $22.0B $23.1B $25.1B $24.6B $29.9B $31.9B $33.5B $34.3B
Deposits $16.1B $22.4B $23.5B $24.8B $29.1B $31.7B $34.8B $34.7B $37.1B $38.8B
Goodwill $1.0B $2.2B $2.3B $2.3B $2.3B $2.3B $2.5B $2.5B $2.5B $2.5B
Intangible assets $53.8M $92.0M $79.0M $67.0M $54.0M $42.0M $89.0M $69.0M $51.0M $36.0M
Total assets $21.8B $31.4B $33.1B $34.6B $37.4B $39.5B $43.7B $46.2B $48.6B $50.2B
Preferred stock $107M $107M $107M $107M $107M $107M $107M $107M $0.0M $0.0M
Shareholders' equity $2.6B $4.4B $4.6B $4.9B $5.0B $5.2B $5.7B $6.1B $6.3B $6.8B
Margins
Net margin 21.0% 18.1% 30.9% 32.0% 23.5% 32.7% 30.4% 30.9% 29.1% 32.0%
Net interest share of revenue 75.3% 77.1% 77.2% 75.7% 75.8% 73.3% 77.6% 83.8% 80.2% 79.1%
Efficiency ratio 62.9% 62.0% 57.5% 57.5% 61.7% 59.3% 57.2% 58.2% 60.2% 57.2%
Returns
Return on equity 7.3% 5.7% 8.3% 8.2% 5.8% 8.0% 8.1% 8.3% 7.5% 8.7%
Return on assets 0.9% 0.8% 1.2% 1.1% 0.8% 1.1% 1.1% 1.1% 1.0% 1.1%
Return on tangible equity 13.1% 11.4% 17.7% 16.4% 11.2% 15.1% 15.1% 15.0% 12.8% 14.1%
Growth
Revenue growth 23.1% 35.1% 10.0% 0.3% 0.4% 1.7% 16.7% 8.9% 1.6% 10.6%
Net income growth 7.1% 16.4% 87.4% 3.8% −26.1% 41.6% 8.4% 10.5% −4.1% 21.5%
EPS growth −9.3% −19.2% 77.8% 3.6% −26.7% 44.7% −0.8% 7.4% −3.1% 22.8%
Share count change 17.8% 46.3% 7.2% 0.1% −0.2% −0.6% 9.5% 2.5% −0.1% −0.2%
Financial health
Loans / deposits 91.7% 93.0% 93.7% 93.2% 86.2% 77.6% 85.9% 92.0% 90.3% 88.6%
Provision / loans — — 0.3% 0.2% 0.5% 0.0% 0.2% 0.2% 0.2% 0.3%

Source: SEC EDGAR XBRL filings (CIK 0000037808). Data updated October 18, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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