tradmap

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?

Fnb Corp/Pa/'s P/E (TTM) is 10.78 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the FNB stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 11.5× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.