profit from every $100 of sales.
$0$100
F.N.B.
$18.18+0.44% today
+14.7% in 1 year
1-year low $15.381-year high $19.49
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $11.29 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What F.N.B. sold, what it kept, and what it did with the cash.
Sales went from $1.44 billion in 2022 to $1.77 billion in 2025, with $565 million of profit last year.
SalesProfit
F.N.B. handed back 60% of the cash it generated last year.
$174M
Free cash flow 2025$376M
Bought back its own shares$50M
Paid as dividends$174M
Cash vs. debt$2.5B vs. $3.1B
F.N.B. vs. similar companies
F.N.B. grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| F.N.B. | 11.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads F.N.B.'s last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,443 | 1,571 | 1,596 | 1,765 | |
| – | – | – | – | |
| – | – | – | – | |
| 791 | 1,318 | – | – | |
| 439 | 485 | 465 | 565 | |
| 1.22 | 1.31 | 1.27 | 1.56 | |
| – | – | – | – | |
| – | – | – | – | |
| 30.4% | 30.9% | 29.1% | 32.0% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 43,725 | 46,158 | 48,625 | 50,229 |
| Cash | 1,674 | 1,576 | 2,419 | 2,498 |
| Total debt | 2,148 | 3,984 | 3,733 | 3,082 |
| Total liabilities | 38,072 | 40,108 | 42,323 | 43,470 |
| 5,653 | 6,050 | 6,302 | 6,759 | |
| 354 | 363 | 363 | 362 | |
| 7.3% | 9.8% | – | – | |
| 7.8% | 8.0% | 7.4% | 8.4% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,218 | 423 | 642 | 482 | |
| 95 | 88 | 139 | 106 | |
| 1,123 | 335 | 503 | 376 | |
| Dividends paid | 179 | 182 | 177 | 174 |
| 43 | 36 | 114 | 50 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.3×
- 10.6×
- 1.32
- 0.9×
- 3.6×
- 8.9%
- 2.7%
Profitability
- 32.0%
- 1.2%
- 5.0%
- 8.8%
- 1.2%
Growth
- +6.9%
- +8.5%
- +0.0%
- +2.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 30%of 852
Top 41%of 733
Top 35%of 863
Bottom 46%of 860
Bottom 48%of 920
What analysts expect
- Average price target
- $20.33
- Range
- $20.00 – $21.00
- 2 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 16, 2026 | 0.38 | 0.38 | +0.0% |
| Jan 20, 2026 | 0.50 | 0.41 | +22.0% |
| Oct 16, 2025 | 0.41 | 0.37 | +9.5% |
| Jul 17, 2025 | 0.36 | 0.33 | +9.1% |
| Apr 16, 2025 | 0.32 | 0.30 | +7.6% |
| Jan 22, 2025 | 0.38 | 0.33 | +15.2% |
| Oct 17, 2024 | 0.34 | 0.35 | −2.9% |
| Jul 17, 2024 | 0.34 | 0.35 | −2.9% |
2.7%of the share price, paid each year
On $1,000 invested$27a year at today's yield, before tax
+0.0%2020 to 2025
Raised–not every year
Paid per share, each year
$0.48 in 2015 → $0.48 in 2025
How safe it looks
30.8% of its profit
Room to growStretchedMore than it earns: 46.3%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
49No pass
Benjamin Graham
74Pass
Philip Fisher
58No pass
Peter Lynch
54No pass
Joel Greenblatt
20No pass
Charlie Munger
41No pass
Terry Smith
35No pass
Questions about F.N.B.
Is F.N.B. a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the F.N.B. AI analysis
What does F.N.B. do?
F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, Wealth Management, and Insurance. It is in Banks - Regional, based in Pittsburgh, PA, United States, with 4,128 employees.
Does F.N.B. pay a dividend?
Yes. At today's price the dividend is 2.7% a year, about 31% of its yearly profit. In 2025 it paid out $174 million in dividends.
Is F.N.B. stock halal?
No. F.N.B. does not pass our halal screen: its main business, banking, is not permitted. How we check
How has F.N.B. stock done over the past year?
Up 14.7% over the past twelve months, to $18.18. It traded between $15.38 and $19.49 and is 6.7% below its high.
Who are F.N.B.'s competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with F.N.B.'s.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.