F.N.B. Corporation (FRA:FN2)

F.N.B. Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-	465	485	439	405
Depreciation & Amortization	-	67	78	73	10
Gain (Loss) on Sale of Investments	-	34	67	-	-
Provision for Credit Losses	-	80	72	64	1
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-64	-43	197	-88
Accrued Interest Receivable	-	-4	-34	-42	14
Change in Other Net Operating Assets	-	-	-7	-6	3
Other Operating Activities	-	87	-228	510	241
Operating Cash Flow	-	642	423	1,218	530
Operating Cash Flow Growth	-	51.77%	-65.27%	129.81%	369.03%
Capital Expenditures	-	-139	-88	-95	-58
Cash Acquisitions	-	-	-	188	-
Investment in Securities	-	-250	269	-317	-653
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-1,314	-2,442	-2,831	558
Investing Cash Flow	-	-1,703	-2,261	-3,055	-153
Short-Term Debt Issued	-	-	1,134	-	-
Long-Term Debt Issued	-	1,379	1,230	381	25
Total Debt Issued	-	1,379	2,364	381	25
Short-Term Debt Repaid	-	-1,249	-	-179	-267
Long-Term Debt Repaid	-	-341	-352	-231	-438
Total Debt Repaid	-	-1,590	-352	-410	-705
Net Debt Issued (Repaid)	-	-211	2,012	-29	-680
Repurchase of Common Stock	-	-3	-36	-43	-43
Preferred Share Repurchases	-	-111	-	-	-
Common Dividends Paid	-	-175	-174	-171	-156
Preferred Dividends Paid	-	-2	-8	-8	-8
Total Dividends Paid	-	-177	-182	-179	-164
Net Increase (Decrease) in Deposit Accounts	-	2,394	-62	258	2,604
Other Financing Activities	-	12	8	11	16
Financing Cash Flow	-	1,904	1,740	18	1,733
Net Cash Flow	-	843	-98	-1,819	2,110
Free Cash Flow	-	503	335	1,123	472
Free Cash Flow Growth	-	50.15%	-70.17%	137.92%	555.56%
Free Cash Flow Margin	-	33.18%	22.35%	81.58%	38.34%
Free Cash Flow Per Share	-	1.39	0.92	3.17	1.46
Cash Interest Paid	-	973	619	144	101
Cash Income Tax Paid	-	58	94	81	74

Source: S&P Global Market Intelligence. Banks template. Financial Sources.