Fnb Corp/Pa/ - Understand $fnb stock

$FNB Market Cap: $5.948 Billion

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Financial Snapshot

Revenue

$1.683B

TTM

Gross Margin

Net Earnings

$398.1M

TTM

Current Assets

Current Liabilities

$1.562B

Q3 2024

Current Ratio

Total Assets

$47.98B

Q3 2024

Total Liabilities

$41.73B

Q3 2024

Book Value

$6.249B

Q3 2024

Cash

$2.078B

Q3 2024

P/E

14.94

Nov 29, 2024 EST

Free Cash Flow

$188.0M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	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	$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	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

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$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

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	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	$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	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 %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
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	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	$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	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	$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	16.93%	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	$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	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	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	$1.32	$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	$1.31	$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

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

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

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	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

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	360.7M shares	350.0M shares	319.8M shares	323.4M shares	324.9M shares	324.2M shares	302.2M shares	206.2M shares	175.0M shares	167.3M shares	146.2M shares	139.1M shares	124.1M shares	113.9M shares
Diluted Shares Outstanding	362.9M shares	354.1M shares	323.5M shares	325.5M shares	326.1M shares	325.6M shares	303.9M shares	207.8M shares	176.3M shares	169.1M shares	147.8M shares	140.6M shares	125.0M shares	114.3M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

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