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F.N.B First Quarter 2025 Earnings: EPS Beats Expectations
Sat 10 May 25, 12:04 PMF.N.B (NYSE:FNB) shareholders have earned a 18% CAGR over the last five years
Thu 01 May 25, 10:34 AMFNB Receives National Accolades for CEO Leadership and Differentiated Culture
Wed 23 Apr 25, 01:00 PMEast West Bancorp Q1 Earnings Top on Higher NII & Fee Income, Stock Up
Wed 23 Apr 25, 11:08 AMQ1 2025 FNB Corp Earnings Call
Fri 18 Apr 25, 03:05 AMFNB Stock Gains 5% as Q1 Earnings Beat on Higher NII, Provisions Soar
Thu 17 Apr 25, 11:58 AMF.N.B. (FNB) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
Wed 16 Apr 25, 10:00 PMF.N.B. (FNB) Beats Q1 Earnings and Revenue Estimates
Wed 16 Apr 25, 09:40 PMF.N.B. Corporation Reports First Quarter Earnings
Wed 16 Apr 25, 08:30 PM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 669.36M | 555.00M | 584.00M | 552.74M | 503.10M |
| Minority interest | - | - | - | - | - |
| Net income | 565.39M | 465.00M | 485.00M | 439.11M | 404.60M |
| Selling general administrative | 715.78M | 545.00M | 523.00M | 519.61M | 506.76M |
| Selling and marketing expenses | - | 21.00M | 17.00M | 15.67M | 14.32M |
| Gross profit | 1679.10M | 1516.00M | 1499.00M | 1443.33M | 1236.89M |
| Reconciled depreciation | 77.00M | 67.00M | 80.00M | 13.87M | 12.12M |
| Ebit | - | 555.00M | 584.00M | 717.91M | 503.10M |
| Ebitda | 669.36M | 622.00M | 662.00M | 731.78M | 515.22M |
| Depreciation and amortization | - | 67.00M | 78.00M | 13.87M | 12.12M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 669.36M | 555.00M | 584.00M | 717.91M | 503.10M |
| Other operating expenses | 2025.48M | 2013.00M | 1643.00M | 16.00M | -733.79700M |
| Interest expense | 929.78M | 971.71M | 656.00M | 165.17M | 98.23M |
| Tax provision | 103.97M | 90.00M | 128.00M | 113.63M | 98.50M |
| Interest income | 2326.00M | 2252.00M | 1849.00M | 1284.95M | 1004.71M |
| Net interest income | 1396.00M | 1280.00M | 1327.00M | 1119.78M | 906.48M |
| Extraordinary items | - | - | - | - | 0.00000M |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 103.97M | 90.00M | 99.00M | 113.63M | 98.50M |
| Total revenue | 2694.83M | 2568.00M | 2227.00M | 1443.33M | 1236.89M |
| Total operating expenses | 1009.74M | 961.00M | 915.00M | 16.00M | -733.79700M |
| Cost of revenue | 1015.74M | 1052.00M | 728.00M | - | - |
| Total other income expense net | - | -1676.26600M | 584.00M | -165.17400M | -98.23400M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 565.00M | 465.00M | 573.00M | 439.11M | 404.60M |
| Net income applicable to common shares | 565.39M | 459.00M | 477.00M | 431.07M | 396.56M |
| Preferred stock and other adjustments | - | - | - | 8.00M | 8.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 50229.00M | 48625.00M | 46158.00M | 43725.00M | 39513.00M |
| Intangible assets | 36.00M | 51.00M | 69.00M | 89.00M | 42.00M |
| Earning assets | - | - | - | - | 10340.00M |
| Other current assets | 515.00M | - | 1579.00M | -519.00000M | 22576.00M |
| Total liab | 43470.00M | 42323.00M | 40108.00M | 38072.00M | 34363.00M |
| Total stockholder equity | 6759.00M | 6302.00M | 6050.00M | 5653.00M | 5150.00M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 38759.00M | 37107.00M | 34711.00M | 34770.00M | -1536.00000M |
| Common stock | 4.00M | 4.00M | 4.00M | 4.00M | 3.00M |
| Capital stock | 4.00M | 4.00M | 111.00M | 111.00M | 110.00M |
| Retained earnings | 2343.00M | 1952.00M | 1669.00M | 1370.00M | 1110.00M |
| Other liab | - | - | - | 257.70M | 419.00M |
| Good will | 2480.00M | 2478.00M | 2477.00M | 2477.00M | 2262.00M |
| Other assets | 1283.00M | 41678.00M | -154.10000M | 35778.00M | 22561.00M |
| Cash | 2498.00M | 2419.00M | 1576.00M | 1674.00M | 3493.00M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 40776.00M | 38227.00M | 37104.00M | 1372.00M | 1536.00M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 1420.00M | 1849.00M | 2901.00M | 791.00M | -1275.00000M |
| Short term debt | 2017.00M | 1120.00M | 2393.00M | 1372.00M | 1536.00M |
| Short long term debt | 1055.00M | 585.00M | 1900.00M | 1372.00M | 1536.00M |
| Short long term debt total | 3918.00M | 4268.00M | 4477.00M | 2465.00M | 2218.00M |
| Other stockholder equity | 4475.00M | 4515.00M | 4505.00M | 4529.00M | 3992.00M |
| Property plant equipment | 568.00M | 731.60M | 645.50M | 432.00M | 345.00M |
| Total current assets | 41078.00M | 6136.00M | 5408.00M | 4949.00M | 7414.00M |
| Long term investments | 7844.00M | 7445.00M | 7165.00M | 7362.00M | 6889.00M |
| Net tangible assets | - | - | - | 2980.00M | 2739.00M |
| Short term investments | 3727.00M | 2975.00M | 3254.00M | 3275.00M | 3426.00M |
| Net receivables | 34338.00M | 742.00M | 578.00M | 519.00M | 495.00M |
| Long term debt | 1901.00M | 3148.00M | 2084.00M | 1093.00M | 682.00M |
| Inventory | - | - | -130.80000M | 6.00M | -15.00000M |
| Accounts payable | - | - | - | 34770.00M | 31726.00M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -63.00000M | -169.00000M | -235.00000M | -357.00000M | -62.00000M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 4.00M | 3.00M |
| Preferred stock total equity | - | - | - | 107.00M | 107.00M |
| Retained earnings total equity | - | - | - | 1370.00M | 1110.00M |
| Treasury stock | - | - | - | - | -117.00000M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 667.00M | 1963.00M | 2006.00M | -7362.00000M | -9538.00000M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 7868.00M | 42489.00M | 40750.00M | 2998.00M | 9538.00M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | 1901.00M | 1262.00M | 771.00M | 1093.00M | 682.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -285.00000M | -1703.00000M | -2366.00000M | -317.00000M | -653.00000M |
| Change to liabilities | - | - | - | 21.00M | -3.00000M |
| Total cashflows from investing activities | -1487.00000M | -1703.00000M | -2261.00000M | -3055.00000M | -153.00000M |
| Net borrowings | -352.00000M | -211.00000M | 2012.00M | -29.00000M | -680.00000M |
| Total cash from financing activities | 1084.00M | 1904.00M | 1740.00M | 18.00M | 1733.00M |
| Change to operating activities | - | - | - | 15.00M | 15.00M |
| Net income | 565.39M | 465.00M | 485.00M | 439.00M | 405.00M |
| Change in cash | 79.00M | 843.00M | -98.00000M | -1819.00000M | 2110.00M |
| Begin period cash flow | 2419.00M | 1576.00M | 1674.00M | 3493.00M | 1383.00M |
| End period cash flow | 2498.00M | 2419.00M | 1576.00M | 1674.00M | 3493.00M |
| Total cash from operating activities | 482.00M | 642.00M | 423.00M | 1218.00M | 530.00M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 77.00M | 67.00M | 78.00M | 73.00M | 10.00M |
| Other cashflows from investing activities | -1487.00000M | -1314.00000M | -2442.00000M | -2643.00000M | 558.00M |
| Dividends paid | 174.00M | 177.00M | 182.00M | -179.00000M | -164.00000M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | 1.00M | -4.00000M | -34.00000M | -42.00000M | 14.00M |
| Sale purchase of stock | -50.00000M | -3.00000M | -36.00000M | -43.00000M | -43.00000M |
| Other cashflows from financing activities | 1660.00M | 2295.00M | -54.00000M | 471.00M | 16.00M |
| Change to netincome | - | - | - | 266.20M | -69.00000M |
| Capital expenditures | 106.00M | 139.00M | 88.00M | 95.00M | 58.00M |
| Change receivables | - | - | - | -42.00000M | 14.00M |
| Cash flows other operating | - | - | - | 461.00M | 173.00M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | -1819.00000M | 2110.00M |
| Change in working capital | -184.00000M | -9.00000M | -3.00000M | -27.00000M | 14.00M |
| Stock based compensation | - | - | 18.00M | - | -52.00000M |
| Other non cash items | 100.61M | 74.00M | -131.00000M | 722.00M | 138.00M |
| Free cash flow | 376.00M | 503.00M | 335.00M | 1123.00M | 472.00M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FNB F.N.B. Corp |
0.25 1.41% | 17.96 | 10.89 | 9.73 | 3.67 | 0.93 | 5.82 |
| HDB HDFC Bank Limited ADR |
0.24 1.04% | 23.25 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.24 0.78% | 30.47 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
0.16 0.32% | 50.61 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.92 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including small business banking, investment real estate financing, business credit, capital market, and capital market and equipment financing services. It provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches 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.
626 Washington Place, Pittsburgh, PA, United States, 15219
| Name | Title | Year Born |
|---|---|---|
| Mr. Vincent J. Delie Jr. | Chairman, Pres & CEO | 1965 |
| Mr. Vincent J. Calabrese Jr. | Chief Financial Officer | 1963 |
| Mr. Gary Lee Guerrieri | Chief Credit Officer | 1960 |
| Mr. Barry C. Robinson | Chief Consumer Banking Officer | 1963 |
| Mr. David Bryant Mitchell II | Chief Wholesale Banking Officer | 1958 |
| Mr. James L. Dutey | Principal Accounting Officer, Corp. Controller & Sr. VP | 1974 |
| Mr. James G. Orie Esq. | Chief Legal Officer & Corp. Sec. | 1958 |
| Ms. Barbara R. Cottrell | Director of Corp. Compliance | NA |
| Ms. Jennifer M. Reel | Chief Communications Officer | NA |
| Mr. Thomas M. Whitesel | Chief Risk Officer | NA |
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