F.N.B. Corporation (FNB)

F.N.B. Income Statement

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

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Revenue	1,490	1,499	1,379	1,236	1,093	1,167
Revenue Growth (YoY)	0.20%	8.70%	11.57%	13.08%	-6.34%	1.74%
Gross Profit	1,490	1,499	1,379	1,236	1,093	1,167
Selling, General & Admin	742	724	659	631	625	573
Other Operating Expenses	190	191	167	102	125	123
Operating Expenses	932	915	826	733	750	696
Operating Income	558	584	553	503	343	471
Pretax Income	558	584	553	503	343	471
Income Tax	98	99	114	98	57	84
Net Income	460	485	439	405	286	387
Preferred Dividends	12	8	8	8	8	8
Net Income Common	448	477	431	397	278	379
Net Income Growth	-14.67%	10.67%	8.56%	42.81%	-26.65%	3.84%
Shares Outstanding (Basic)	359	359	351	319	323	325
Shares Change	-0.47%	2.29%	9.99%	-1.15%	-0.70%	0.19%
EPS (Basic)	1.24	1.32	1.23	1.24	0.86	1.17
EPS (Diluted)	1.24	1.31	1.22	1.23	0.85	1.16
EPS Growth	-15.65%	7.38%	-0.81%	44.71%	-26.72%	3.57%
Free Cash Flow	565	335	1,123	472	72	213
Free Cash Flow Per Share	1.57	0.93	3.20	1.48	0.22	0.66
Dividend Per Share	0.480	0.480	0.480	0.480	0.480	0.480
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	37.45%	38.96%	40.10%	40.70%	31.38%	40.36%
Profit Margin	30.07%	31.82%	31.25%	32.12%	25.43%	32.48%
Free Cash Flow Margin	37.92%	22.35%	81.44%	38.19%	6.59%	18.25%
Effective Tax Rate	17.56%	16.95%	20.61%	19.48%	16.62%	17.83%
EBITDA	629	662	626	513	340	516
EBITDA Margin	42.21%	44.16%	45.40%	41.50%	31.11%	44.22%
Depreciation & Amortization	71	78	73	10	-3	45
EBIT	558	584	553	503	343	471
EBIT Margin	37.45%	38.96%	40.10%	40.70%	31.38%	40.36%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).