arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

FNB CORP/PA/

FNB

$17.87 ▼ -0.59 (-3.20%) at close

19 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

auto_awesome

Analytical Summary

FNB CORP/PA/ shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $6.4B

Dividend Yield 2.69%

Revenue Growth 10.6% ↗

Op. Margin 37.9% ↗

ROIC None

FCF / Share None

Trailing P/E 11.4x

Price / Book 1.0x

FCF Yield —

Debt / Equity 0.58

info Valuation on last close. End-of-day price, Nov 5, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.76B

↑ +10.6% —

Net Income Profit after all expenses

$565.00M

↑ +21.5% —

Operating Margin Operating profit as % of sales

37.9%

↑ +9.0% 92th

Long-Term Debt Long-term obligations

$1.90B

↓ -36.9% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.48 Latest / share

+0.0% YoY

+0.0% 12-yr CAGR

$0.48

FY 2014

$0.48

FY 2015

$0.48

FY 2016

$0.48

FY 2017

$0.48

FY 2018

$0.48

FY 2019

$0.48

FY 2020

$0.48

FY 2021

$0.48

FY 2022

$0.48

FY 2023

$0.48

FY 2024

$0.48

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	10.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+76%)	1.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-73%)	8.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+48%)	16.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+178%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-71%)	0.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-93%)	0.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-96%)	10.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+67%)	35.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+484%)	23.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+285%)	5.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	17.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+191%)	5.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-8%)	15.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+158%)	8.8% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+47%)	7.6% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+27%)	10.2% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+71%)	—	—
EPS Growth YoY (%)	23.6% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-3.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-0.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	44.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-26.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	79.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-20.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	2.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	12.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	6.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	106.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-27.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	21.5% Good ↑ Good Improving Year-over-year change in net income	-4.1% Weak ↓ Weak Declining Year-over-year change in net income	10.5% Fair ↑ Fair Improving Year-over-year change in net income	8.4% Fair ↑ Fair Improving Year-over-year change in net income	41.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-26.1% Weak ↓ Weak Declining Year-over-year change in net income	3.8% Caution ↓ Caution Declining Year-over-year change in net income	87.4% Excellent ↑ Excellent Improving Year-over-year change in net income	16.4% Good ↑ Good Improving Year-over-year change in net income	7.0% Fair ↓ Fair Declining Year-over-year change in net income	10.8% Fair ↓ Fair Declining Year-over-year change in net income	22.3% Good ↑ Good Improving Year-over-year change in net income	6.7% Fair ↓ Fair Declining Year-over-year change in net income	26.8% Excellent ↓ Excellent Declining Year-over-year change in net income	16.6% Good ↓ Good Declining Year-over-year change in net income	81.6% Excellent Excellent Year-over-year change in net income	15.5% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.0% Fair → Fair Stable Compound annual revenue growth over 3 years	0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	14.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	22.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	20.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.9% Fair → Fair Stable Compound annual revenue growth over 3 years	10.6% Good Good Compound annual revenue growth over 3 years	8.9% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	14.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	17.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	16.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.5% Good → Good Stable Compound annual revenue growth over 5 years	10.9% Good Good Compound annual revenue growth over 5 years	9.5% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	8.5% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	0.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	15.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	1.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	14.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	9.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-8.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	5.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	7.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	35.2% Excellent Excellent Compound annual EPS growth over 3 years	16.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	37.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	34.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	37.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	38.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	40.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	28.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	38.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	37.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	32.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	30.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	34.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	33.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	15.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	44.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.6% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	32.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	29.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	30.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	30.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	32.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	23.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	32.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	30.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	18.1% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	21.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	23.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	18.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	11.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	10.5% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	8.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	8.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	7.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	5.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	4.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	7.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	7.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	7.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	7.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	3.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	3.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.58x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-52%)	0.68x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	0.74x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	0.44x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.43x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.58x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.93x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-22%)	1.03x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-14%)	0.99x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-18%)	1.18x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.28x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+7%)	1.28x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+6%)	0.78x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	0.84x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	0.78x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	0.89x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-26%)	0.95x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-21%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$4.89	$4.42	$4.35	$4.12	$3.87	$3.76	$3.73	$3.73	$3.63	$3.94	$3.78	$3.73	$3.64	$3.62	$3.52	$3.52	—	—	—
Basic EPS, GAAP (USD)	$1.57	$1.27	$1.32	$1.23	$1.24	$0.86	$1.17	$1.13	$0.63	$0.79	$0.87	$0.81	$0.81	$0.79	$0.70	$0.66	$0.32	$0.44	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.48	$0.96	—
Book Value per Share (USD)	$18.73	$17.44	$16.77	$16.15	$16.10	$15.34	$15.03	$14.21	$14.59	$12.47	$11.98	$12.08	$12.14	$10.08	$9.75	$1.94K	—	—	—
Tangible Book Value per Share (USD)	$11.76	$10.44	$9.71	$8.82	$8.90	$8.17	$7.86	$7.01	$6.84	$7.20	$6.96	$6.82	$6.58	$4.95	$4.92	$917.92	—	—	—
Basic Weighted Avg Shares (shares)	360.84M	361.44M	360.74M	349.98M	319.79M	323.37M	324.94M	324.21M	302.20M	206.24M	174.97M	167.35M	146.19M	139.14M	124.15M	113.92M	—	—	—
Dividend Payout Ratio (%)	30.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	37.8% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$1.90B	$3.01B	$1.97B	$1.09B	$682.00M	$1.09B	$1.34B	$627.00M	$668.00M	$539.49M	$641.48M	$541.44M	$143.93M	$89.42M	$88.02M	$192.06M	$324.88M	—	—
Total Equity (USD)	$6.76B	$6.30B	$6.05B	$5.65B	$5.15B	$4.96B	$4.88B	$4.61B	$4.41B	$2.57B	$2.10B	$2.02B	$1.77B	$1.40B	$1.21B	$1.07B	$1.04B	$925.98M	$544.36M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$1.76B	$1.60B	$1.57B	$1.44B	$1.24B	$1.22B	$1.21B	$1.21B	$1.10B	$813.27M	$660.63M	$624.57M	$531.82M	$504.10M	$436.43M	$400.96M	$372.52M	$337.91M	—
Depreciation Expense (USD)	$74.00M	$64.00M	$59.00M	$49.00M	$46.00M	$43.00M	$42.00M	$39.00M	$34.00M	$23.36M	$20.01M	$18.67M	$15.56M	$13.94M	$12.46M	$11.78M	—	—	—
Net Income, GAAP (USD)	$565.00M	$465.00M	$485.00M	$439.00M	$405.00M	$286.00M	$387.00M	$373.00M	$199.00M	$170.89M	$159.65M	$144.05M	$117.80M	$110.41M	$87.05M	$74.65M	$41.11M	$35.59M	—
Operating Cash Flow (USD)	$482.00M	$642.00M	$423.00M	$1.22B	$530.00M	$113.00M	$259.00M	$611.00M	$279.00M	$292.71M	—	—	$386.08M	$544.03M	$289.60M	$163.50M	$115.81M	$376.94M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	2.8%	2.6%	2.9%	2.6%	2.3%	2.5%	2.6%	2.8%	2.7%	2.8%	2.8%	2.9%	2.9%	3.1%	3.2%	3.2%	3.1%	—	—
Efficiency Ratio (%) (%)	57.2%	60.2%	58.2%	57.2%	59.3%	61.7%	57.5%	57.5%	62.0%	62.8%	59.1%	60.7%	63.6%	63.2%	65.0%	62.6%	68.5%	65.9%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 19 years · 73 quarters

FNB CORP/PA/

Analytical Summary

19-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare FNB with peers