F.N.B. Corporation

FNB

$17.81

-2.33%

2026-09-01 14:55:57 EDT-$0.43

Financial Services

Banks - Regional

NYSE

Active Trading

F.N.B. Corporation functions as a financial holding entity, delivering a broad spectrum of financial solutions. Its primary clientele includes individual consumers, corporate ...

Price Action of FNB

$17.81

-2.33%-$0.43

High—

Low—

52W High-8.5%

Rel. vol—

Interval

Range6.5h

Volume—SMA5SMA10

—

F.N.B. Corporation (NYSE: FNB) is a diversified financial services company based in Pittsburgh, Pennsylvania. Founded in 1864, it has grown into a major regional financial institution with over $50 billion in total assets. The company operates through three main segments: Community Banking, Wealth Management, and Insurance. Community Banking offers a ...F.N.B. Corporation (NYSE: FNB) is a diversified financial services company based in Pittsburgh, Pennsylvania. Founded in 1864, it has grown into a major regional financial institution with over $50 billion in total assets. The company operates through three main segments: Community Banking, Wealth Management, and Insurance. Community Banking offers a full suite of commercial and retail banking services, including corporate and small business accounts, investment property financing, commercial credit lines, capital markets access, equipment leasing, deposit accounts, mortgage and personal lending, and digital banking platforms. Wealth Management provides personal and corporate fiduciary services, estate and trust administration, securities brokerage, investment advisory, and a variety of financial products such as mutual funds and annuities. Insurance offerings include commercial and personal insurance, reinsurance products, and mezzanine financing for small to medium-sized businesses. In terms of financial performance, the company has shown solid profitability with a net profit margin of 22.3% and a return on equity of 8.9%. The stock is traded on the New York Stock Exchange, and as of the latest data, the market capitalization is approximately $6.75 billion. The company has a strong dividend policy with a yield of 2.6% and a payout ratio of 36.4%. Key leadership includes Vincent J. Delie Jr., who serves as Chairman, President, and CEO, having joined in 2005 and held various executive roles since 2008. The company is committed to innovation, recently introducing automated payment switch features and expanding its digital eStore application to include business loan products. With a focus on customer service and technological advancement, F.N.B. Corporation aims to help individuals and businesses achieve their financial goals while maintaining stability and growth in the competitive regional banking market.ExpandCollapse

Founded

1864

Employees

4205

CEO

Vincent J. Delie Jr.

Full Name

F.N.B. Corporation

Sector

Financial Services

Industry

Banks - Regional

ROE

8.94%

Market Cap

$6.34B

Current Ratio

0.16

WACC

12.65%

ROIC

73.80%

Contact Information

https://www.fnb-online.com

800 555 5455

626 Washington Place, Pittsburgh, PA 15219

Key Metrics of FNB

Snapshot

Latest / TTM · 6 periods

Market Cap

$6.34B

ROCE

1.5%

EV / EBITDA

14.24x

-5.6% YoY

FCF Yield

9.5%

+3.3% YoY

Cash Conversion Cycle

18.3d

Current Ratio

0.16

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of FNB

Profitability trend

Latest / TTM · 6 periods

Gross Margin

64.4%

Net Margin

22.3%

P/E Ratio

10.93x

n/a

Debt / Equity

0.73

n/a

Current Ratio

0.16

Dividend Yield

2.7%

Understanding

TTM —

Current ratio below 1.0

Calendar of FNB

Upcoming

Sep 15, 2026In 11 days
Dividend payment
$0.49 per share
Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.43 · Revenue $475.74M · 6 analysts
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $0.46 · Revenue $484.48M · 6 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $1.69 · Revenue $1.88B · 7 analysts

Recent history

Sep 1, 2026
Ex-dividend date
$0.49 per share
Aug 5, 2026
Q2 FY2026 · Results reported
EPS $0.42 · Revenue $674.96M
View filing
May 6, 2026
Q1 FY2026 · Results reported
EPS $0.38 · Revenue $660.27M
View filing
Feb 24, 2026
FY2025 · Annual results
EPS $1.56 · Revenue $2.69B
View filing
Nov 5, 2025
Q3 FY2025 · Results reported
EPS $0.41 · Revenue $694.00M
View filing
Aug 6, 2025
Q2 FY2025 · Results reported
EPS $0.36 · Revenue $674.00M
View filing

Financial Statements of FNB

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$2.7B	+4.9%	+2.2%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$565.4M	+21.6%	+8.5%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+62.3%	+5.5%	-0.0%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+24.8%	+14.9%	+5.8%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+21.0%	+15.9%	+6.2%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$376.0M	-25.2%	+81.2%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+14.0%	-28.8%	+77.3%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	58.0%	-14.4%	+18.9%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	1.01x	+527.6%	-24.2%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$50.2B	+3.3%	+0.7%

Actual vs Estimate

A Dec 31Q Sep 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	1.56 vs 1.50	+4.2%	0.42 vs 0.43	-2.9%
Revenue Surprise	$2.7B vs $1.8B	+52.3%	$675.0M vs $475.7M	+41.9%

Insider Transactions of FNB

Acquisitions (A)

Since May 6, 2026

Disposals (D)

Since May 6, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 6, 2026	David Bryant Mitchell	officer: Chief Wholesale Banking Office	Common Stock	D	4,055	$19.25
Jun 12, 2026	GUERRIERI GARY L	officer: Chief Credit Officer	Common Stock	D	19,000	$18.53
May 6, 2026	STRIMBU WILLIAM J	director	Common Stock	A	4,748	$17.90
May 6, 2026	STANIK JOHN S	director	Common Stock	A	5,027	$17.90
May 6, 2026	Nicholas Heidi A	director	Common Stock	A	5,027	$17.90

Earnings Call Transcript of FNB

1 transcript segments

Q2 2026

Unknown Speaker

Operator: Welcome to the F.N.B. Corporation second quarter 2026 earnings call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key, then zero on your telephone keypad. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your telephone keypad. To withdraw the question, please press star then two. Please note this event is being recorded. I would now like to turn the conference over to Lisa Hajdu, Manager of Investor Relations. Please go ahead. Lisa Hajdu: Good morning. Welcome to our earnings call. This conference call of F.N.B. Corporation and the reports it files with the Securities and Exchange Commission often contain forward-looking statements and non-GAAP financial measures. Non-GAAP financial measures should be viewed in addition to, and not as alternative for, our reported results prepared in accordance with GAAP. Reconciliations of GAAP to non-GAAP operating measures to the most directly comparable GAAP financial measures are included in our presentation materials and in our earnings release. Please refer to these non-GAAP and forward-looking statement disclosures contained in our related materials, reports and registration statements filed with the Securities and Exchange Commission and available on our corporate website. A replay of this call will be available until Friday, July 24th, and the webcast link will be posted to the About Us, Investor Relations section of our corporate website. I will now turn the call over to Vince Delie, Chairman, President, and CEO. Vince Delie: Thank you. Welcome to our second quarter earnings call. Joining me today are Vince Calabrese, our Chief Financial Officer, and Gary Guerrieri, our Chief Credit Officer. F.N.B.'s second quarter earnings per share grew 17% year-over-year to $0.42, with net income of $149 million. Our results included another quarter of record revenue totaling $463 million, driven by net interest income of $366 million and solid non-interest income of $97 million. The solid quarterly performance contributed to pre-provision net revenue increasing 9% from the year-ago quarter and positive operating leverage. On a year-over-year basis, tangible book value per common share increased 10% to $12.24, demonstrating our strong profitability levels and commitment to peer-leading internal capital generation. F.N.B. repurchased $47 million, or 2.7 million shares of common stock at a weighted average share price of $17.46. F.N.B.'s capital levels remain strong, with TCE at nearly 9% and with a solid return on average tangible common equity at 14%. Period end loans increased 7.5% on an annualized linked quarter basis, with growth led by C&I, consumer lending, and seasonal residential mortgage production. C&I's 8% annualized linked quarter growth was driven by lower risk-rated, high-quality commercial borrowers. By leveraging our deep …

Leadership Team of FNB

11 executives

Name	Title	Compensation	Gender	Year Born	Status
Vincent J. Delie Jr.	Chairman, President & Chief Executive Officer	USD 4,612,468	Male	1965	Active
Vincent J. Calabrese Jr.	Chief Financial Officer	USD 1,655,936	Male	1963	Active
Gary Lee Guerrieri	Chief Credit Officer	USD 1,231,414	Male	1960	Active
Alfred D. Cho	Chief Consumer Banking Officer	USD 1,164,025	Male	1978	Active
David Bryant Mitchell	Chief Wholesale Banking Officer	USD 1,058,655	Male	1958	Active
James G. Orie	Chief Legal Officer & Corporate Secretary	USD 216,742	Male	1958	Active
Brad Jones	EVice President of Commercial Banking of Carolinas & Charlotte Regional President	—	Male	—	Active
Craig A. Wolfanger	MD & Head of Investment Banking	—	Male	1959	Active
James L. Dutey	Principal Accounting Officer, Corporate Controller & Senior Vice President	—	Male	1974	Active
Thomas Whitesel	Chief Risk Officer	—	Male	—	Active
Jennifer Reel	Chief Communications Officer	—	Female	—	Active

Recent News of FNB

Zacks Investment Research3 days agoNeutral

Can F.N.B. Corp Sustain the Momentum in Its Top-Line in 2026?

FNB's record second-quarter revenues, healthy loan growth and rising NII support its top-line momentum, backed by expansion and fee income.

Zacks Investment Research8/12/2026Neutral

Can FNB's Family Wealth Expansion Accelerate Fee Income Growth?

F.N.B. Corp. is expanding Family Wealth services to deepen affluent client ties and potentially support recurring fee income growth.

PRNewsWire8/11/2026Neutral

F.N.B. Corporation Enhances Offering for Ultra-High-Net-Worth Clients and Business Owners with Investment in Family Wealth Advisory Services

PITTSBURGH, Aug. 11, 2026 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) announced today it has further enhanced its Family Wealth offering for ultra-high-net-worth clients with an additional investment in specialized, sophisticated advisory services and advanced solutions.

PRNewsWire7/29/2026Neutral

F.N.B. Corporation Declares Cash Dividend of $0.13 on Common Stock

PITTSBURGH, July 29, 2026 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) announced its Board of Directors declared a quarterly cash dividend of $0.13 per share on its common stock.

Seeking Alpha7/17/2026Neutral

F.N.B. Corporation (FNB) Q2 2026 Earnings Call Transcript

Historical Employee Count of FNB

Current

4,128

Change

+0.58%

Minimum

3,886

Maximum

4,128

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	4,128	10-K	Feb 24, 2026	View
Dec 31, 2024	4,104	10-K	Feb 27, 2025	View
Dec 31, 2023	4,008	10-K	Feb 26, 2024	View
Dec 31, 2022	3,916	10-K	Feb 24, 2023	View
Dec 31, 2021	3,886	10-K	Feb 24, 2022	View

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F.N.B. Corporation