FNBNYSENational Commercial BanksFiscal year ends December 31
FNB CORP/PA/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$16.96−0.27 (-1.57%)
Close on Oct 19, 2026
- Market cap
- $6.06B
- P/E (TTM)
- 10.1
- Dividend yield
- 2.83%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
32.0%+8.5 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +10.6% | +6.9% | +7.7% | +10.3% | |
| Net income | +21.5% | +8.8% | +14.6% | +13.5% | |
| EPS, diluted | +22.8% | +8.5% | +12.9% | +6.1% | |
| Free cash flow | -25.2% | -30.6% | +39.2% | +5.8% | |
| Dividend per share | 0.0% | 0.0% | 0.0% | 0.0% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 7.3% | 5.8% | 8.7% | |
| Return on assets | 0.9% | 0.8% | 1.1% | |
| Capex to revenue | 7.4% | 3.4% | 6.0% | |
| Diluted shares | 208M | 325M | 362M |
Where the cash went
Fiscal 2021 to 2025, five years combined
FNB generated $3.30B from operations and spent $1.51B on capital expenditure, dividends and share buybacks. 32% of that went back into the business.
Generated
$3.30B
Used
$1.51B
Capital expenditure$486.00M32%Dividends$850.00M56%Share buybacks$175.00M12%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin32.0%
×Asset turnover0.04×
×Equity multiplier7.57×
=Return on equity, FY20258.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 32.0% | 0.04× | 7.57× | 8.7% |
| FY2024 | 29.1% | 0.03× | 7.67× | 7.5% |
| FY2023 | 30.9% | 0.03× | 7.68× | 8.3% |
| FY2022 | 30.4% | 0.03× | 7.71× | 8.1% |
| FY2021 | 32.7% | 0.03× | 7.60× | 8.0% |
| FY2020 | 23.5% | 0.03× | 7.31× | 5.8% |
| FY2019 | 32.0% | 0.04× | 7.13× | 8.2% |
| FY2018 | 30.9% | 0.04× | 7.16× | 8.3% |
| FY2017 | 18.1% | 0.04× | 7.63× | 5.7% |
| FY2016 | 21.0% | 0.04× | 8.44× | 7.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$565.00M
- Cash generatingOperating cash flow above zero$482.00M
- Return on assets improvedROA up on the prior year1.0% → 1.2%
- Earnings backed by cashOperating cash flow above net income$482.00M vs $565.00M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise363M → 362M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04