F.N.B. Corporation logo

F.N.B. Corporation

FNB

NYSEFinancial ServicesBanks - Regional

Previous close

$18.53

$0.00 · 0.00%

Aug 21, 4:00 PM ET

FNB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

88

Deep Value

Momentum

52

Neutral

Sentiment

72

Bullish

Risk resilience

81

Low Risk

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Company profile

Company website

F.N.B. Corporation functions as a financial holding entity, delivering a broad spectrum of financial solutions. Its primary clientele includes individual consumers, corporate enterprises, governmental bodies, and small to mid-sized businesses. The organization's operations are divided into three main segments: Community Banking, Wealth Management, and Insurance. Through its commercial banking division, F.N.B. extends services such as corporate and small business accounts, financing for investment properties, commercial credit lines, capital markets access, and equipment leasing. For individual customers, the company offers a suite of banking products and services, encompassing deposit accounts, mortgage and personal lending, and digital banking platforms accessible via mobile and online channels. Its wealth management offerings include personal and corporate fiduciary services, such as the administration of estates and trusts, alongside securities brokerage, investment advisory services, and a variety of financial products like mutual funds and annuities. Additionally, F.N.B. provides both commercial and personal insurance, reinsurance products, and specialized mezzanine financing options tailored for small- to medium-sized businesses. As of December 31, 2021, the company maintained a network of 334 banking branches situated across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was established in 1864 and its corporate headquarters are located in Pittsburgh, Pennsylvania.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Vincent J. Delie Jr.
Listed since
Sep 2, 1986
Employees
4,205

Market position

Day range

Current $18.53

52-week range

Current $18.53

Open
$18.65
Previous close
$18.53
Volume
1.9M
0.37× average
Average volume
5.18M
Average daily volume
Market cap
6.6B USD
Beta
0.87
Market reference 1
50-day average
$18.9266
-2.10% below average
200-day average
$17.6515
+4.98% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
7.56B USD
P/E (TTM)
10.96×
P/B (TTM)
0.96×
P/S (TTM)
2.43×
EV / EBITDA
10.13×
Earnings yield
9.21%
Free cash flow yield
6.12%
Dividend yield
2.64%

Profitability & efficiency

Gross margin
64.41%
Operating margin
26.49%
Net margin
22.31%
Return on equity
8.36%
Return on assets
1.13%
Return on invested capital
5.55%

Financial health

Debt / equity
0.73×
Current ratio
1.01×
Altman Z-score
0.21
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends100%70%40%11%Gross margin, FY2021: 92.58%Gross margin, FY2022: 85.76%Gross margin, FY2023: 67.31%Gross margin, FY2024: 59.03%Gross margin, FY2025: 62.31%Operating margin, FY2021: 37.68%Operating margin, FY2022: 34.39%Operating margin, FY2023: 26.22%Operating margin, FY2024: 21.61%Operating margin, FY2025: 24.84%Net margin, FY2021: 30.34%Net margin, FY2022: 27.30%Net margin, FY2023: 21.78%Net margin, FY2024: 18.11%Net margin, FY2025: 20.98%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 92.58%. Gross margin FY2022 85.76%. Gross margin FY2023 67.31%. Gross margin FY2024 59.03%. Gross margin FY2025 62.31%. Operating margin FY2021 37.68%. Operating margin FY2022 34.39%. Operating margin FY2023 26.22%. Operating margin FY2024 21.61%. Operating margin FY2025 24.84%. Net margin FY2021 30.34%. Net margin FY2022 27.30%. Net margin FY2023 21.78%. Net margin FY2024 18.11%. Net margin FY2025 20.98%.

Income trends

Revenue

2.69B USD+4.94%

Operating income

669.36M USD+20.60%

Net income

565.39M USD+21.59%
Income trends across reported periods2.92B USD2.01B USD1.09B USD176.02M USDRevenue, FY2021: 1.34B USDRevenue, FY2022: 1.61B USDRevenue, FY2023: 2.23B USDRevenue, FY2024: 2.57B USDRevenue, FY2025: 2.69B USDOperating income, FY2021: 503M USDOperating income, FY2022: 553M USDOperating income, FY2023: 584M USDOperating income, FY2024: 555M USDOperating income, FY2025: 669.36M USDNet income, FY2021: 405M USDNet income, FY2022: 439M USDNet income, FY2023: 485M USDNet income, FY2024: 465M USDNet income, FY2025: 565.39M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.34B USD. Revenue FY2022 1.61B USD. Revenue FY2023 2.23B USD. Revenue FY2024 2.57B USD. Revenue FY2025 2.69B USD. Operating income FY2021 503M USD. Operating income FY2022 553M USD. Operating income FY2023 584M USD. Operating income FY2024 555M USD. Operating income FY2025 669.36M USD. Net income FY2021 405M USD. Net income FY2022 439M USD. Net income FY2023 485M USD. Net income FY2024 465M USD. Net income FY2025 565.39M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue2.69B USD2.57B USD2.23B USD1.61B USD1.34B USD
Cost of goods sold1.02B USD1.05B USD728M USD229M USD99M USD
Gross profit1.68B USD1.52B USD1.5B USD1.38B USD1.24B USD
Selling, general, and administrative715.78M USD566M USD540M USD462M USD450M USD
Operating expenses1.01B USD961M USD915M USD826M USD733M USD
Interest income2.35B USD2.25B USD1.97B USD1.29B USD1.01B USD
Interest expense929.79M USD971.71M USD656M USD165M USD98M USD
Depreciation and amortization77M USD67M USD78M USD73M USD10M USD
Operating income669.36M USD555M USD584M USD553M USD503M USD
Net income565.39M USD465M USD485M USD439M USD405M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
1.56
FY2025 · +22.83% year over year
Latest fiscal-year revenue
2.69B USD
FY2025 · +4.94% year over year
Next fiscal-year EPS consensus
1.69
FY2026 · 7 analysts
Next fiscal-year revenue consensus
1.88B USD
FY2026 · 5 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend21.721.431.15FY21FY22FY23FY24FY25FY26FY27

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend2.83B2.29B1.74B1.2BFY21FY22FY23FY24FY25FY26FY27

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$21.00

13.33% upside
Past 12 months12-month forecastHigh $22.00Average $21.00Low $19.00

Rating distribution

20 ratings
Strong buy00%
Buy1365%
Hold735%
Sell00%
Strong sell00%

Recent analyst actions

8 institutions
B of A SecuritiesdowngradeBuyNeutral

FNB news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.48

2025 complete year0.0% since 2021

2026 partial: $0.25

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 1, 2026

$0.13

Quarterly

Record Sep 1, 2026 · Payment Sep 15, 2026

Dividend

Ex-dividend Jun 1, 2026

$0.13

Quarterly

Record Jun 1, 2026 · Payment Jun 15, 2026

Dividend

Ex-dividend Mar 2, 2026

$0.12

Quarterly

Record Mar 2, 2026 · Payment Mar 16, 2026

Dividend

Ex-dividend Dec 1, 2025

$0.12

Quarterly

Record Dec 1, 2025 · Payment Dec 15, 2025

Dividend

Ex-dividend Sep 2, 2025

$0.12

Quarterly

Record Sep 2, 2025 · Payment Sep 15, 2025

Dividend

Ex-dividend Jun 2, 2025

$0.12

Quarterly

Record Jun 2, 2025 · Payment Jun 15, 2025

FNB peers

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Funds reporting this stock among their holdings, ordered by reported position size.

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