F.N.B. Corporation logo FNB - F.N.B. Corporation

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY 0
BUY 13
HOLD 6
SELL 0
STRONG
SELL 0
| PRICE TARGET: $20.33 DETAILS
HIGH: $21.00
LOW: $20.00
MEDIAN: $20.00
CONSENSUS: $20.33
UPSIDE: 15.97%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 2,694.8 2,568 2,227 1,608 1,335 1,441 1,541 1,446 1,232 880 709.2 662.3 572.2 559.8 505.5 485.0 501.6 513.1 450.6 421.7 355.2 332.6 325.2 342.0 550.4 365.3 315.4 285.4 242.3 225.2 150.4 139.3 141.5
Cost of Revenue 1,015.7 1,052 728 229 99 331 374 299 195 123 89.0 81.3 75.4 90.4 108.3 136.1 188.0 230.4 186.7 164.0 121.0 100.7 104.1 112.0 231.5 152.3 119.0 115.8 103.8 94.6 63.8 58.7 64.8
Gross Profit 1,679.1 1,516 1,499 1,379 1,236 1,110 1,167 1,147 1,037 757 620.2 581.0 496.8 469.4 397.2 349.0 313.6 282.7 263.9 257.7 234.3 231.9 221.0 230.0 318.9 213.0 196.4 169.6 138.5 130.6 86.6 80.6 76.7
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 715.8 566 540 462 450 439 411 403 395.7 294.6 237.7 228.9 208.5 193.4 174.1 150.8 158.1 157.9 92.4 89.1 86.9 76.2 92.0 79.7 132.9 92.1 82.7 65.3 54.3 50.5 31.4 29.8 27.9
Other Expenses 294.0 395 375 364 283 328 285 292 285.3 216.4 152.9 145.4 125.8 121.8 104.1 95.6 105.1 82.0 73.3 71.5 70.3 66.4 93.0 105.3 110.0 56.4 55.6 54.9 44 47.2 28.5 30.6 33.8
Operating Expenses 1,009.7 961 915 826 733 767 696 695 681 511 390.5 374.3 334.2 315.3 278.2 246.4 263.2 239.9 165.7 160.5 157.2 142.6 185.0 185.0 242.8 148.5 138.3 120.2 98.3 97.7 59.9 60.4 61.7
Operating Income
Operating Income 669.4 555 584 553 503 343 471 452 356 246 229.6 206.7 162.6 154.2 119.1 102.5 50.4 42.8 98.1 97.2 77.1 89.3 36.0 45.0 76.0 64.5 58.1 49.4 40.2 32.9 26.7 20.2 15
Interest Expense 929.8 971.7 656 165 98 208 330 238 134 67 48.6 42.7 44.3 59.1 74.6 88.7 121.2 158.0 174.1 153.6 108.8 84.4 87.0 98.4 200.3 140.4 109.3 108.2 92.7 84.8 58.1 50.2 55.3
Interest Income 2,349.1 2,252 1,973 1,285 1,005 1,130 1,247 1,170 980 679 546.8 509.0 440.4 431.9 391.0 373.7 387.6 409.8 368.9 342.4 295.5 254.4 257.0 275.9 450.4 301.9 261.8 246.1 216.3 202.4 135.4 124.9 125.5
Profitability
EBITDA 669.4 622 662 626 513 340 516 561 445 307 273.6 246.8 193.3 186.0 141.5 129.8 76.2 63.8 111.6 111.7 92.4 104.0 51.2 57.5 95.5 77.5 69.8 58.6 48.1 39.7 31.4 26.4 22.7
EBIT 669.4 555 584 553 503 343 471 452 356 246 229.6 206.7 162.6 154.2 119.1 102.5 50.4 42.8 98.1 97.2 77.1 89.3 36.0 45.0 76.0 64.5 58.1 49.4 40.2 32.9 26.7 20.2 15
Income Before Tax 669.4 555 584 553 503 343 471 452 356 246 229.6 206.7 162.6 154.2 119.1 102.5 50.4 42.8 98.1 97.2 77.1 89.3 36.0 45.0 76.0 64.5 58.1 49.4 40.2 32.9 26.7 20.2 15
Income Tax Expense 104.0 90 99 114 98 57 84 79 157 75 70.0 62.6 44.8 43.8 32.0 27.9 9.3 7.2 28.5 29.5 21.8 27.5 9.0 13.7 23.0 20.5 17.5 16.4 12.8 11 8.6 6.7 4.5
Net Income 565.4 465 485 439 405 286 387 373 199 171 159.6 144.1 117.8 110.4 87.0 74.7 41.1 35.6 69.7 67.6 55.3 61.8 58.8 63.3 53.0 44.0 40.6 33 36.2 21.9 18.1 13.5 10.5
Per Share Data
EPS (Basic) 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 1.16 1.15 0.99 1.31 1.27 1.37 1.19 1.38 1.54 1.29 1.61 1.01 1.56 1.15 0.88
EPS (Diluted) 1.56 1.27 1.31 1.22 1.23 0.85 1.16 1.12 0.63 0.78 0.86 0.80 0.80 0.79 0.70 0.65 0.32 0.44 1.15 1.14 0.98 1.29 1.25 1.35 1.17 1.35 1.49 1.24 1.53 0.99 1.49 1.12 0.87
Shares Outstanding 359.1 361.3 361.2 350.0 319.8 323.4 324.9 322.8 303.4 206.1 174.3 167.5 145.4 139.1 124.1 113.9 102.6 80.7 60.1 58.8 55.8 47.2 46.2 46.0 28.2 31.6 26.1 25.2 22.2 20.8 11.0 11.0 11.0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 2,498 2,419 1,576 1,674 3,493 1,383 599 488 479.4 371.4 310.6 172.2 103.8 106.3 250.6 250.5 149.4 174.7 139 111.9 108.8 62.4 63.3 66.1
Short-Term Investments 3,727 2,975 3,254 3,275 3,426 3,463 3,289 3,341 2,764.6 2,232.0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 34,338 742 578 505.5 480.3 468 432 373 267 196.6 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 515 0 0 0 14.7 0 0 0 (0.0) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 41,078 6,136 5,408 5,454.5 7,414 5,314 4,320 4,202 3,511 2,800.0 310.6 172.2 103.8 106.3 250.6 250.5 149.4 174.7 139 111.9 108.8 62.4 63.3 66.1
Non-Current Assets
Property, Plant & Equipment 568 536 461 432 345 332 333 330 336.5 244.0 117.9 122.6 79.0 79.6 163.7 149.5 113.9 105.1 95.3 73.5 46.7 22.5 23 23.9
Goodwill 2,480 2,478 2,477 2,477 2,262 2,262 2,262 2,255 2,249.2 1,032.1 528.7 528.3 84.5 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 36 51 69 89 42 54 67 79 92.1 53.8 39.1 46.2 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 4,117 37,461 35,737 33,558.8 27,901.4 27,650 25,987 24,876 23,892 16,891.5 7,248.1 7,052.5 4,521.8 4,117.2 6,251.5 5,705.0 3,572.5 3,262.3 2,980.5 2,670.5 2,206.5 1,561.7 1,552.1 1,532.3
Other Non-Current Assets 667 1,963 2,006 1,713.7 1,563.3 1,742 1,646 1,360 1,337.2 823.4 464.7 443.0 237.9 3,976.5 336.1 339.0 220.1 164.1 191.9 111.6 56.4 60.4 48.1 67.9
Total Non-Current Assets 7,868 42,489 40,750 38,270.5 32,113.7 32,040 30,295 28,900 27,907 19,044.8 8,398.5 8,192.6 4,923.2 8,202.0 6,839.7 6,237.9 3,906.5 3,531.5 3,267.7 2,855.6 2,309.6 1,644.6 1,623.2 1,624.1
Total Assets 50,229 48,625 46,158 43,725 39,513 37,354 34,615 33,102 31,417.6 21,844.8 8,709.1 8,364.8 5,027.0 8,308.3 7,090.2 6,488.4 4,055.9 3,706.2 3,406.7 2,967.5 2,418.4 1,707 1,686.5 1,690.2
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 2,017 1,120 2,393 1,247 1,406 1,683 3,108 4,016 3,541 2,375.1 669.2 596.3 395.1 233.0 515.8 375.8 282.9 332.2 151 127.2 112.2 55.2 69.4 65.5
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 38,759 37,107 34,711 34,770 31,726 29,122 24,786 23,455 22,400 16,065.6 6,380.2 6,054.6 3,598.1 3,439.5 5,426.2 5,099.1 3,237.1 2,909.5 2,850.5 2,467.1 2,013.9 1,442.1 1,425.4 1,458.8
Total Current Liabilities 40,776 38,227 37,104 36,017 33,132 30,805 27,894 27,471 25,941 18,440.7 7,049.4 6,650.9 3,993.2 3,672.5 5,941.9 5,474.8 3,520 3,241.7 3,001.5 2,594.3 2,126.1 1,497.3 1,494.8 1,524.3
Non-Current Liabilities
Long-Term Debt 1,901 3,148 2,084 1,218 812 1,216 1,448 740 806 667.4 529.6 695.6 636.2 584.8 450.6 342.4 119.7 117.6 70.4 72.2 58.2 39.8 39 31.3
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 0 948 920 837 419 374 390 283 262 165.0 86.8 92.3 73.5 3,444.1 99.1 98.7 65.8 56.6 52.7 40.7 34.8 26 26.1 19
Total Non-Current Liabilities 1,901 4,096 3,004 2,055 1,231 1,590 1,838 1,023 1,068 832.5 616.4 787.9 709.7 4,028.9 549.7 441.1 185.5 174.2 123.1 112.9 93 65.8 65.1 50.3
Total Liabilities 43,470 42,323 40,108 38,072 34,363 32,395 29,732 28,494 27,008.4 19,273.2 7,665.8 7,438.8 4,702.9 7,701.4 6,491.6 5,916.0 3,716.3 3,415.9 3,124.6 2,707.2 2,219.1 1,563.1 1,559.9 1,574.6
Stockholders' Equity
Common Stock 4 4 4 4 3 3 3 3 3 2.1 1.1 0.9 0.5 0.5 0.4 0.4 49.0 42 0 0 0 0 0 0
Retained Earnings 2,343 1,952 1,669 1,370 1,110 869 798 576 368 304.4 (12.8) (1.1) 28.0 11.5 73.4 119.3 75.4 71.3 75.4 92.6 66.6 60 53.1 48.6
Accumulated Other Comprehensive Income (63) (169) (235) (357) (62) (39) (65) (106) (83) (61.4) (30.6) (26.5) 3.5 10.3 17.3 9.8 2.2 (4.8) 6.4 5.3 2.6 3.9 0.6 0
Total Stockholders' Equity 6,759 6,302 6,050 5,653 5,150 4,959 4,883 4,608 4,409.2 2,571.6 1,043.3 926.0 324.1 606.9 598.6 572.4 339.6 290.3 282.1 260.3 199.3 143.9 126.1 115.1
Total Liabilities & Equity 50,229 48,625 46,158 43,725 39,513 37,354 34,615 33,102 31,417.6 21,844.8 8,709.1 8,364.8 5,027.0 8,308.3 7,090.2 6,488.4 4,055.9 3,706.2 3,406.7 2,967.5 2,418.4 1,707 1,686.5 1,690.2
Debt Metrics
Total Debt 3,918 4,268 4,477 2,465 2,218 2,899 4,556 4,756 4,346.5 3,042.5 1,198.8 1,291.9 1,031.3 817.8 966.4 718.2 402.6 449.8 220.5 199.4 170.4 95 108.4 96.8
Net Debt 1,420 1,849 2,901 791 (1,275) 1,516 3,957 4,268 3,867.1 2,671.1 888.2 1,119.7 927.6 711.5 715.8 467.7 253.2 275.1 82.4 87.5 61.6 32.6 45.1 30.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 565 465 485 439 405 286 387 373 199 171 55.3 61.8 58.8 63.3 53.0 44.0 40.6 33 36.2 21.9 18.1 13.5 10.5
Depreciation & Amortization 77 67 78 73 10 (3) 45 109 89 61 15.3 14.6 15.1 12.5 19.5 13.0 11.7 9.2 7.9 6.8 4.7 6.2 7.7
Stock-Based Compensation 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (20) (9) (3) (27) 14 5 (14) (9) (27) (10) (32.1) (5.5) 3.7 (3.3) 1.2 0.4 1.2 0.8 (0.8) 2 0.3 0.7 0.7
Other Non-Cash Items (186) 74 (131) 722 86 (157) (192) 105 (111) 58 25.7 37.5 52.7 (53.1) 33.5 1.0 27.7 (59.2) 10.1 22 4.2 (17.7) 8
Operating Cash Flow 482 642 423 1,218 530 113 259 611 279 293 70.0 105.6 134.3 16.0 109.5 57.2 72.0 (20.4) 51.9 50.5 26.8 1.4 25.3
Investing Activities
Capital Expenditure (106) (139) (88) (95) (58) (41) (46) (35) (57) (60) (5.7) (1.1) (15.5) (17.3) (21.1) (14.8) (19.8) (25.2) (19.4) (13) (2.3) (2.2) (2.4)
Acquisitions 0 0 0 188 0 0 0 134 197.0 245.8 12.6 0 (150.1) (40.6) (12.1) 0 0 0 0 0 0 0 0
Purchases of Investments (1,472) (1,699) (1,198) (2,080) (3,131) (2,661) (1,149) (1,587) (2,328) (2,129) (755.6) (461.3) (593.3) (333.8) (441.9) (129.3) (183.2) (255.5) (282.1) (247.6) (122.9) (105.3) (126.9)
Sales/Maturities of Investments 1,187 1,449 1,467 1,763 2,478 2,947 1,238 962 1,808.6 1,516.2 869.3 307.7 361.2 439.2 506.6 108.0 292.4 310.5 249.6 262.4 127.2 174.2 193.7
Other Investing Activities (1,096) (1,314) (2,442) (2,831) 558 (2,067) (1,174) (1,394) (1,149.5) (833.0) (18.4) (9.0) (15.2) (187.0) (81.5) (219.1) (430.5) (203.8) (249.5) (200.3) (28.7) (42.7) (69.6)
Investing Cash Flow (1,487) (1,703) (2,261) (3,055) (153) (1,822) (1,131) (1,920) (1,529) (1,260) 102.2 (163.7) (413.0) (139.4) (50.0) (255.2) (341.0) (174) (301.4) (198.5) (26.7) 24 (5.2)
Financing Activities
Net Debt Issuance (352) (211) 2,012 (29) (680) (1,658) (198) 410 335 125 (70.8) 195.6 162.3 168.7 74.7 (48.0) 228.4 20.7 12.3 48.1 (13.3) 11.6 6.8
Stock Repurchased (50) (3) (36) (43) (43) (38) 0 0 0 0 (10.9) (21.1) 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (174) (177) (182) (179) (164) (165) (165) (165) (151) (110) (52.3) (43.5) (42.9) (37.5) (32.3) (16.7) (16.9) (14.1) (9.6) (6.9) (4) (3.1) (3)
Other Financing Activities 1,660 2,406 (54) 269 2,620 4,354 1,334 1,059 1,163 816 (25.8) (104.3) 135.4 (34.8) (63.6) 235.3 97.9 218.2 235.7 124.6 16.5 (33.4) (21.1)
Financing Cash Flow 1,084 1,904 1,740 18 1,733 2,493 983 1,318 1,358 849 (141.5) 53.8 254.4 89.3 (20.6) 167.1 306.0 217 235.9 164.2 (0.8) (25) (17.4)
Cash Position
Net Change in Cash 79 843 (98) (1,819) 2,110 784 111 9 108 (118) 30.8 (4.3) (24.3) (34.1) 38.8 (30.9) 37.0 22.5 (13.6) 16.2 (0.7) 0.5 2.6
Cash at Beginning 2,419 1,576 1,674 3,493 1,383 599 488 479 371.4 489.1 100.8 105.2 129.4 163.5 207.9 178.4 141.4 112.3 121.4 105.2 60.5 60 57.4
Cash at End 2,498 2,419 1,576 1,674 3,493 1,383 599 488 479.4 371.4 131.6 100.8 105.2 129.4 246.8 147.5 178.4 134.8 107.8 121.4 59.8 60.5 60
Free Cash Flow 376 503 335 1,123 472 72 213 576 222 233 64.4 104.5 118.8 (1.2) 88.3 42.4 52.2 (45.6) 32.5 37.5 24.5 (0.8) 22.9
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 2,694.8 2,568 2,227 1,608 1,335 1,441 1,541 1,446 1,232 880 709.2 662.3 572.2 559.8 505.5 485.0 501.6 513.1 450.6 421.7 355.2 332.6 325.2 342.0 550.4 365.3 315.4 285.4 242.3 225.2 150.4 139.3 141.5
Gross Profit 1,679.1 1,516 1,499 1,379 1,236 1,110 1,167 1,147 1,037 757 620.2 581.0 496.8 469.4 397.2 349.0 313.6 282.7 263.9 257.7 234.3 231.9 221.0 230.0 318.9 213.0 196.4 169.6 138.5 130.6 86.6 80.6 76.7
Operating Income 669.4 555 584 553 503 343 471 452 356 246 229.6 206.7 162.6 154.2 119.1 102.5 50.4 42.8 98.1 97.2 77.1 89.3 36.0 45.0 76.0 64.5 58.1 49.4 40.2 32.9 26.7 20.2 15
Net Income 565.4 465 485 439 405 286 387 373 199 171 159.6 144.1 117.8 110.4 87.0 74.7 41.1 35.6 69.7 67.6 55.3 61.8 58.8 63.3 53.0 44.0 40.6 33 36.2 21.9 18.1 13.5 10.5
EPS (Diluted) 1.56 1.27 1.31 1.22 1.23 0.85 1.16 1.12 0.63 0.78 0.86 0.80 0.80 0.79 0.70 0.65 0.32 0.44 1.15 1.14 0.98 1.29 1.25 1.35 1.17 1.35 1.49 1.24 1.53 0.99 1.49 1.12 0.87
Balance Sheet
Cash & Equivalents 2,498 2,419 1,576 1,674 3,493 1,383 599 488 479.4 371.4 310.6 172.2 103.8 106.3 250.6 250.5 149.4 174.7 139 111.9 108.8 62.4 63.3 66.1
Total Assets 50,229 48,625 46,158 43,725 39,513 37,354 34,615 33,102 31,417.6 21,844.8 8,709.1 8,364.8 5,027.0 8,308.3 7,090.2 6,488.4 4,055.9 3,706.2 3,406.7 2,967.5 2,418.4 1,707 1,686.5 1,690.2
Total Debt 3,918 4,268 4,477 2,465 2,218 2,899 4,556 4,756 4,346.5 3,042.5 1,198.8 1,291.9 1,031.3 817.8 966.4 718.2 402.6 449.8 220.5 199.4 170.4 95 108.4 96.8
Stockholders' Equity 6,759 6,302 6,050 5,653 5,150 4,959 4,883 4,608 4,409.2 2,571.6 1,043.3 926.0 324.1 606.9 598.6 572.4 339.6 290.3 282.1 260.3 199.3 143.9 126.1 115.1
Cash Flow
Operating Cash Flow 482 642 423 1,218 530 113 259 611 279 293 70.0 105.6 134.3 16.0 109.5 57.2 72.0 (20.4) 51.9 50.5 26.8 1.4 25.3
Capital Expenditure (106) (139) (88) (95) (58) (41) (46) (35) (57) (60) (5.7) (1.1) (15.5) (17.3) (21.1) (14.8) (19.8) (25.2) (19.4) (13) (2.3) (2.2) (2.4)
Free Cash Flow 376 503 335 1,123 472 72 213 576 222 233 64.4 104.5 118.8 (1.2) 88.3 42.4 52.2 (45.6) 32.5 37.5 24.5 (0.8) 22.9