InsiderClue
Stocks · Financials · National Commercial Banks

FNB CORP/PA/

FNB Clue Score47
United States Fiscal year ends December CIK 0000037808
$17.06 -1.27% Close, 9 Oct 2026
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Price $17.06 +44.33% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income0.17EPS, diluted0.78Fiscal year 2017Net income0.20 +16.4%EPS, diluted0.63 −19.2%Fiscal year 2018Net income0.37 +87.4%EPS, diluted1.12 +77.8%Fiscal year 2019Net income0.39 +3.8%EPS, diluted1.16 +3.6%Fiscal year 2020Net income0.29 −26.1%EPS, diluted0.85 −26.7%Fiscal year 2021Net income0.41 +41.6%EPS, diluted1.23 +44.7%Fiscal year 2022Net income0.44 +8.4%EPS, diluted1.22 −0.8%Fiscal year 2023Net income0.49 +10.5%EPS, diluted1.31 +7.4%Fiscal year 2024Net income0.47 −4.1%EPS, diluted1.27 −3.1%Fiscal year 2025Net income0.57 +21.5%EPS, diluted1.56 +22.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 0.17 0.20 0.37 0.39 0.29 0.41 0.44 0.49 0.47 0.57
Growth +16.4% +87.4% +3.8% −26.1% +41.6% +8.4% +10.5% −4.1% +21.5%
EPS, diluted 0.78 0.63 1.12 1.16 0.85 1.23 1.22 1.31 1.27 1.56
Growth −19.2% +77.8% +3.6% −26.7% +44.7% −0.8% +7.4% −3.1% +22.8%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.29Capital expenditure−0.06Free cash flow0.23Dividends paid−0.10Fiscal year 2017Operating cash flow0.28Capital expenditure−0.06Free cash flow0.22 −4.7%Dividends paid−0.14Fiscal year 2018Operating cash flow0.61Capital expenditure−0.04Free cash flow0.58 +159.5%Buybacks0.00Dividends paid−0.16Fiscal year 2019Operating cash flow0.26Capital expenditure−0.05Free cash flow0.21 −63.0%Buybacks0.00Dividends paid−0.16Fiscal year 2020Operating cash flow0.11Capital expenditure−0.04Free cash flow0.07 −66.2%Buybacks−0.04Dividends paid−0.16Fiscal year 2021Operating cash flow0.53Capital expenditure−0.06Free cash flow0.47 +555.6%Buybacks−0.04Dividends paid−0.16Fiscal year 2022Operating cash flow1.22Capital expenditure−0.10Free cash flow1.12 +137.9%Buybacks−0.04Dividends paid−0.17Fiscal year 2023Operating cash flow0.42Capital expenditure−0.09Free cash flow0.34 −70.2%Buybacks−0.04Dividends paid−0.17Fiscal year 2024Operating cash flow0.64Capital expenditure−0.14Free cash flow0.50 +50.1%Buybacks−0.00Dividends paid−0.18Fiscal year 2025Operating cash flow0.48Capital expenditure−0.11Free cash flow0.38 −25.2%Buybacks−0.05Dividends paid−0.17
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.29 0.28 0.61 0.26 0.11 0.53 1.22 0.42 0.64 0.48
Capital expenditure −0.06 −0.06 −0.04 −0.05 −0.04 −0.06 −0.10 −0.09 −0.14 −0.11
Free cash flow 0.23 0.22 0.58 0.21 0.07 0.47 1.12 0.34 0.50 0.38
Growth −4.7% +159.5% −63.0% −66.2% +555.6% +137.9% −70.2% +50.1% −25.2%
Buybacks n/a n/a 0.00 0.00 −0.04 −0.04 −0.04 −0.04 −0.00 −0.05
Dividends paid −0.10 −0.14 −0.16 −0.16 −0.16 −0.16 −0.17 −0.17 −0.18 −0.17

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.37Total debt0.54Net cash (debt)−0.17Shareholders’ equity2.57Debt to equity0.21Fiscal year 2017Cash0.48Total debt0.67Net cash (debt)−0.19Shareholders’ equity4.41Debt to equity0.15Fiscal year 2018Cash0.49Total debt0.63Net cash (debt)−0.14Shareholders’ equity4.61Debt to equity0.14Fiscal year 2019Cash0.60Total debt1.34Net cash (debt)−0.74Shareholders’ equity4.88Debt to equity0.27Fiscal year 2020Cash1.38Total debt1.10Net cash (debt)0.29Shareholders’ equity4.96Debt to equity0.22Fiscal year 2021Cash3.49Total debt0.68Net cash (debt)2.81Shareholders’ equity5.15Debt to equity0.13Fiscal year 2022Cash1.67Total debt1.09Net cash (debt)0.58Shareholders’ equity5.65Debt to equity0.19Fiscal year 2023Cash1.58Total debt1.97Net cash (debt)−0.40Shareholders’ equity6.05Debt to equity0.33Fiscal year 2024Cash2.42Total debt3.01Net cash (debt)−0.59Shareholders’ equity6.30Debt to equity0.48Fiscal year 2025Cash2.50Total debt1.90Net cash (debt)0.60Shareholders’ equity6.76Debt to equity0.28
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.37 0.48 0.49 0.60 1.38 3.49 1.67 1.58 2.42 2.50
Total debt 0.54 0.67 0.63 1.34 1.10 0.68 1.09 1.97 3.01 1.90
Net cash (debt) −0.17 −0.19 −0.14 −0.74 0.29 2.81 0.58 −0.40 −0.59 0.60
Shareholders’ equity 2.57 4.41 4.61 4.88 4.96 5.15 5.65 6.05 6.30 6.76
Debt to equity 0.21 0.15 0.14 0.27 0.22 0.13 0.19 0.33 0.48 0.28

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
30.5% 44.1% 17.5% 17.8% 16.6% 19.5% 20.6% 17.0% 16.2% 15.5%
Returns
6.6% 4.5% 8.1% 7.9% 5.8% 7.9% 7.8% 8.0% 7.4% 8.4%
0.8% 0.6% 1.1% 1.1% 0.8% 1.0% 1.0% 1.1% 1.0% 1.1%
Balance and payout
0.21 0.15 0.14 0.27 0.22 0.13 0.19 0.33 0.48 0.28
88.2% 86.0% 86.1% 85.9% 86.7% 87.0% 87.1% 86.9% 87.0% 86.5%
59.6% 71.9% 42.1% 40.6% 54.9% 38.5% 39.0% 35.9% 37.6% 30.8%
43.8% 64.4% 27.3% 73.7% 270.8% 42.2% 19.1% 62.7% 35.4% 59.6%