Financial Snapshot

Revenue
$1.683B
TTM
Gross Margin
Net Earnings
$349.5M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q4 2024
Total Liabilities
Q4 2024
Book Value
$6.302B
Q4 2024
Cash
Q4 2024
P/E
17.02
Nov 29, 2024 EST
Free Cash Flow
$225.0M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989
Revenue $2.252B $1.973B $1.285B $1.005B $1.130B $1.247B $1.170B $980.0M $679.0M $546.8M $509.0M $440.4M $431.9M $391.1M $373.7M
YoY Change 14.14% 53.54% 27.86% -11.06% -9.38% 6.58% 19.39% 44.33% 24.18% 7.43% 15.58% 1.96% 10.43% 4.66%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989
Revenue $2.252B $1.973B $1.285B $1.005B $1.130B $1.247B $1.170B $980.0M $679.0M $546.8M $509.0M $440.4M $431.9M $391.1M $373.7M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $64.00M $59.00M $49.00M $46.00M $43.00M $42.00M $39.00M $34.00M $23.00M $20.01M $18.67M $15.56M $13.94M $12.46M $11.78M $25.90M $21.00M $13.40M $14.50M $15.30M $14.60M $15.10M $12.50M $19.50M $18.50M $11.70M $9.200M $8.400M $7.200M $6.400M $6.200M $7.700M $6.200M $3.900M $3.300M $2.900M
YoY Change 8.47% 20.41% 6.52% 6.98% 2.38% 7.69% 14.71% 47.83% 14.95% 7.17% 20.01% 11.63% 11.88% 5.79% -54.54% 23.33% 56.72% -7.59% -5.23% 4.79% -3.31% 20.8% -35.9% 5.41% 58.12% 27.17% 9.52% 16.67% 12.5% 3.23% -19.48% 24.19% 58.97% 18.18% 13.79% 3.57%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989
Interest Expense $656.0M $165.0M $98.00M $208.0M $330.0M $238.0M $134.0M $67.00M $48.57M $42.69M $44.34M $59.06M $74.62M $88.73M
YoY Change 297.58% 68.37% -52.88% -36.97% 38.66% 77.61% 100.0% 37.94% 13.79% -3.74% -24.91% -20.86% -15.91%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989
Pretax Income $555.0M $583.6M $552.7M $503.0M $343.0M $471.0M $452.0M $356.0M $246.0M $229.6M $206.7M $162.6M $154.2M $119.1M $102.5M $50.40M $42.80M $98.10M $97.20M $77.10M $89.30M $36.00M $45.00M $76.00M $89.10M $58.10M $49.40M $42.20M $33.50M $31.40M $20.30M $15.00M $9.800M $13.60M $10.80M $10.60M
YoY Change -4.91% 5.59% 9.89% 46.65% -27.18% 4.2% 26.97% 44.72% 7.12% 11.12% 27.13% 5.43% 29.51% 16.11% 103.44% 17.76% -56.37% 0.93% 26.07% -13.66% 148.06% -20.0% -40.79% -14.7% 53.36% 17.61% 17.06% 25.97% 6.69% 54.68% 35.33% 53.06% -27.94% 25.93% 1.89% 21.84%
Income Tax $90.00M $98.80M $113.6M $98.00M $57.00M $84.00M $79.00M $157.0M $75.00M $69.99M $62.62M $44.76M $43.77M $32.00M $27.88M $9.300M $7.200M $28.50M $29.50M $21.80M $27.50M $9.000M $13.70M $23.00M $27.20M $17.50M $16.40M $13.00M $11.20M $10.30M $6.700M $4.500M $3.000M $3.600M $2.700M $1.700M
% Of Pretax Income 16.22% 16.93% 20.56% 19.48% 16.62% 17.83% 17.48% 44.1% 30.49% 30.48% 30.3% 27.53% 28.39% 26.88% 27.19% 18.45% 16.82% 29.05% 30.35% 28.27% 30.8% 25.0% 30.44% 30.26% 30.53% 30.12% 33.2% 30.81% 33.43% 32.8% 33.0% 30.0% 30.61% 26.47% 25.0% 16.04%
Net Earnings $465.0M $476.8M $431.1M $405.0M $286.0M $387.0M $373.0M $199.0M $171.0M $159.6M $144.1M $117.8M $110.4M $87.05M $74.65M $41.10M $35.60M $69.70M $67.60M $55.30M $61.80M $58.80M $63.30M $53.00M $61.90M $40.60M $33.00M $29.20M $22.30M $21.10M $13.50M $10.50M $6.800M $10.00M $8.100M $8.900M
YoY Change -2.48% 10.61% 6.44% 41.61% -26.1% 3.75% 87.44% 16.37% 7.11% 10.83% 22.28% 6.7% 26.84% 16.6% 81.64% 15.45% -48.92% 3.11% 22.24% -10.52% 5.1% -7.11% 19.43% -14.38% 52.46% 23.03% 13.01% 30.94% 5.69% 56.3% 28.57% 54.41% -32.0% 23.46% -8.99% 4.71%
Net Earnings / Revenue 20.65% 24.17% 33.55% 40.3% 25.31% 31.03% 31.88% 20.31% 25.18% 29.2% 28.3% 26.75% 25.56% 22.26% 19.98%
Basic Earnings Per Share $1.27 $1.32 $1.23 $1.24 $0.86 $1.17 $1.13 $0.63 $0.79 $0.87 $0.81 $0.81 $0.79 $0.70 $0.66
Diluted Earnings Per Share $1.27 $1.31 $1.218M $1.23 $0.85 $1.16 $1.12 $0.63 $0.78 $0.86 $0.80 $0.80 $0.79 $0.70 $0.65 $399.8K $439.5K $1.150M $1.138M $977.0K $1.287M $1.251M $1.344M $1.167M $1.354M $1.395M $1.236M $1.123M $892.0K $1.055M $957.4K $690.8K $535.4K $787.4K $637.8K $700.8K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $461.0M $432.0M $485.0M $459.0M $454.0M $330.0M $337.0M $244.0M $159.0M $169.0M $154.0M $140.0M $130.0M $116.0M $118.0M $123.0M $80.00M $87.00M $87.00M $79.00M $80.00M $164.0M $150.0M $114.0M $105.0M $95.00M $77.00M $47.00M $23.00M $23.00M $24.00M $25.00M $21.00M $21.00M $19.00M
YoY Change 6.71% -10.93% 5.66% 1.1% 37.58% -2.08% 38.11% 53.46% -5.92% 9.74% 10.0% 7.69% 12.07% -1.69% -4.07% 53.75% -8.05% 0.0% 10.13% -1.25% -51.22% 9.33% 31.58% 8.57% 10.53% 23.38% 63.83% 104.35% 0.0% -4.17% -4.0% 19.05% 0.0% 10.53%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $0.00 $3.751B
YoY Change -100.0%
Total Long-Term Assets
YoY Change
Total Assets $46.16B $43.73B $39.51B $37.35B $34.62B $33.10B $31.42B $21.85B $17.56B $16.13B $13.56B $12.02B $9.786B $8.960B $8.709B $8.365B $6.088B $6.008B $5.590B $5.027B $8.308B $7.090B $6.488B $4.056B $3.706B $3.407B $3.095B $2.418B $1.707B $1.687B $1.690B $1.699B $1.379B $1.302B $1.146B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $215.3M $145.6M $149.0M $134.0M $128.0M
YoY Change 47.87% -2.28% 11.19% 4.69%
Deferred Revenue
YoY Change
Short-Term Debt $2.506B $1.372B $376.0M $403.0M $853.0M $1.786B $1.256B $1.350B $835.0M $1.093B $1.112B $948.0M $717.0M $622.0M $547.0M $415.0M $277.0M $256.0M $213.0M $227.0M $83.00M $360.0M $274.0M $173.0M $204.0M $101.0M $127.0M $57.00M $8.000M $69.00M $66.00M $57.00M $68.00M $43.00M $56.00M
YoY Change 82.65% 264.89% -6.7% -52.75% -52.24% 42.2% -6.96% 61.68% -23.6% -1.71% 17.3% 32.22% 15.27% 13.71% 31.81% 49.82% 8.2% 20.19% -6.17% 173.49% -76.94% 31.39% 58.38% -15.2% 101.98% -20.47% 122.81% 612.5% -88.41% 4.55% 15.79% -16.18% 58.14% -23.21%
Long-Term Debt Due $113.0M $125.0M $130.0M $121.0M $108.0M $113.0M $137.0M $128.0M $124.0M $129.0M $129.0M $135.0M $135.0M $131.0M $122.0M $95.00M $113.0M $108.0M $126.0M $152.0M $144.0M $131.0M $102.0M $70.00M $51.00M $50.00M $55.00M $47.00M
YoY Change -9.6% -3.85% 7.44% 12.04% -4.42% -17.52% 7.03% 3.23% -3.88% 0.0% -4.44% 0.0% 3.05% 7.38% 28.42% -15.93% 4.63% -14.29% -17.11% 5.56% 9.92% 28.43% 45.71% 37.25% 2.0% 17.02%
Total Short-Term Liabilities $2.506B $270.6M $279.0M $255.0M $236.0M $113.0M $137.0M $128.0M $124.0M $129.0M $129.0M $135.0M $135.0M $131.0M $122.0M $95.00M $113.0M $108.0M $126.0M $152.0M $144.0M $131.0M $102.0M $70.00M $51.00M $50.00M $127.0M $55.00M $47.00M $69.00M $66.00M $57.00M $68.00M $43.00M $56.00M
YoY Change 826.09% -3.01% 9.41% 8.05% 108.85% -17.52% 7.03% 3.23% -3.88% 0.0% -4.44% 0.0% 3.05% 7.38% 28.42% -15.93% 4.63% -14.29% -17.11% 5.56% 9.92% 28.43% 45.71% 37.25% 2.0% -60.63% 130.91% 17.02% -31.88% 4.55% 15.79% -16.18% 58.14% -23.21%
Long-Term Debt $1.971B $1.093B $682.0M $695.0M $405.0M $357.0M $358.0M $234.0M $241.0M $141.0M $169.0M $293.0M $292.0M $277.0M $273.0M $264.0M $205.0M $202.0M $163.0M $160.0M $160.0M $31.00M $39.00M $46.00M $42.00M $49.00M $72.00M $34.00M $38.00M $39.00M $31.00M $33.00M $19.00M $22.00M $11.00M
YoY Change 80.33% 60.26% -1.87% 71.6% 13.45% -0.28% 52.99% -2.9% 70.92% -16.57% -42.32% 0.34% 5.42% 1.47% 3.41% 28.78% 1.49% 23.93% 1.88% 0.0% 416.13% -20.51% -15.22% 9.52% -14.29% -31.94% 111.76% -10.53% -2.56% 25.81% -6.06% 73.68% -13.64% 100.0%
Other Long-Term Liabilities $920.0M $837.0M $270.0M $240.0M $262.0M $283.0M $262.0M $165.0M $148.0M $140.0M $130.0M $163.0M $143.0M $98.00M $87.00M $92.00M $64.00M $63.00M $60.00M $74.00M $3.444B $99.00M $99.00M $66.00M $57.00M $53.00M $42.00M $35.00M $26.00M $26.00M $19.00M $20.00M $20.00M $16.00M $15.00M
YoY Change 9.92% 210.0% 12.5% -8.4% -7.42% 8.02% 58.79% 11.49% 5.71% 7.69% -20.25% 13.99% 45.92% 12.64% -5.43% 43.75% 1.59% 5.0% -18.92% -97.85% 3378.79% 0.0% 50.0% 15.79% 7.55% 26.19% 20.0% 34.62% 0.0% 36.84% -5.0% 0.0% 25.0% 6.67%
Total Long-Term Liabilities $2.891B $1.930B $952.0M $935.0M $667.0M $640.0M $620.0M $399.0M $389.0M $281.0M $299.0M $456.0M $435.0M $375.0M $360.0M $356.0M $269.0M $265.0M $223.0M $234.0M $3.604B $130.0M $138.0M $112.0M $99.00M $102.0M $114.0M $69.00M $64.00M $65.00M $50.00M $53.00M $39.00M $38.00M $26.00M
YoY Change 49.79% 102.73% 1.82% 40.18% 4.22% 3.23% 55.39% 2.57% 38.43% -6.02% -34.43% 4.83% 16.0% 4.17% 1.12% 32.34% 1.51% 18.83% -4.7% -93.51% 2672.31% -5.8% 23.21% 13.13% -2.94% -10.53% 65.22% 7.81% -1.54% 30.0% -5.66% 35.9% 2.63% 46.15%
Total Liabilities $40.11B $38.07B $34.36B $32.40B $29.73B $28.49B $27.01B $19.27B $15.46B $14.11B $11.79B $10.62B $8.576B $7.894B $7.666B $7.439B $5.544B $5.470B $5.113B $4.703B $7.701B $6.492B $5.916B $3.716B $3.416B $3.125B $2.826B $2.219B $1.563B $1.560B $1.575B $1.591B $1.285B $1.217B $1.075B
YoY Change 5.35% 10.79% 6.08% 8.96% 4.34% 5.5% 40.13% 24.66% 9.61% 19.65% 10.99% 23.86% 8.64% 2.97% 3.05% 34.18% 1.35% 6.98% 8.72% -38.93% 18.62% 9.74% 59.2% 8.78% 9.31% 10.58% 27.35% 41.97% 0.19% -0.95% -1.01% 23.81% 5.59% 13.21%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $5.9475 Billion

About FNB CORP/PA/

F.N.B.Corp. is a financial holding company, which engages in the provision of financial services to consumers, corporations, governments, and small to medium-sized businesses. The company is headquartered in Pittsburgh, Pennsylvania and currently employs 4,008 full-time employees. Corporation is a bank holding company and financial holding company. The firm operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment consists of First National Bank of Pennsylvania (FNBPA), which offers commercial and consumer banking services. Commercial banking solutions include corporate banking, small business banking, investment real estate financing, business credit, capital markets and lease financing. The Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds, as well as existing customers of the Community Banking segment, located primarily within its geographic markets. Its Wealth Management operations are conducted through three subsidiaries of FNBPA. The Insurance segment operates principally through First National Insurance Agency, LLC (FNIA), which is a subsidiary of the Company. FNIA is a full-service insurance brokerage agency.

Industry: National Commercial Banks Peers: Bank OZK CVB FINANCIAL CORP Eastern Bankshares, Inc. FIRST INTERSTATE BANCSYSTEM INC HANCOCK WHITNEY CORP HOME BANCSHARES INC PNC FINANCIAL SERVICES GROUP, INC. ServisFirst Bancshares, Inc. UMB FINANCIAL CORP UMPQUA HOLDINGS CORP