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FNB Financials Fnb Corp/Pa/

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has grown 39.2% per year over the past 5 years.

Financial health

  • Total debt ($3.9B) exceeds cash ($2.5B); net debt is $1.4B.

Shareholder returns

  • Dividends have been paid for 14 consecutive years, consuming 30.8% of earnings and 46.3% of free cash flow.
  • The dividend has grown 2.1% per year over the past 5 years.
Net income
$0 $283M $565M 2011 2013 2015 2017 2019 2021 2023 2025
Net income
Return on equity & assets (ROE / ROA)
0% 4% 8% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
Shareholders' equity (book value)
$0 $3B $7B 2011 2013 2015 2017 2019 2021 2023 2025
Equity
Free cash flow (CFO − capex)
$0 $562M $1B 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $2B $5B 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$3B -$281M $2B $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 $565M 8.4% 1.1% $376M $3.9B $2.5B
2024 $465M 7.4% 1.0% $503M $4.3B $2.4B
2023 $485M 8.0% 1.1% $335M $4.5B $1.6B
2022 $439M 7.8% 1.0% $1.1B $2.5B $1.7B
2021 $405M 7.9% 1.0% $472M $2.2B $3.5B
2020 $286M 5.8% 0.8% $72M $2.9B $1.4B
2019 $387M 7.9% 1.1% $213M $4.6B $599M
2018 $373M 8.1% 1.1% $576M $4.8B $488M
2017 $199M 4.5% 0.6% $222M $4.3B $479M
2016 $171M 6.6% 0.8% $233M $3.0B $371M
2015 $160M 7.6% 0.9% $214M $2.7B $489M
2014 $144M 7.1% 0.9% $2.6B $287M
2013 $118M 6.6% 0.9% $371M $1.4B $214M
2012 $110M 7.9% 0.9% $531M $1.2B $239M
2011 $87M 7.2% 0.9% $272M $939M $209M

Valuation over time

How the market has priced FNB against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 6.3 12.7 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 2.3 4.5 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is FNB growing its revenue and profit?

See the revenue and net-income charts above for Fnb Corp/Pa/'s multi-year trend.

How much debt does FNB have?

As of FY2025, Fnb Corp/Pa/ reported $3.9B of total debt against $2.5B of cash.

What is FNB's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is FNB's P/E ratio?

As of Sep '26, Fnb Corp/Pa/ traded at a price-to-earnings ratio of about 11.5× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.