F.N.B. Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	1,432	1,396	1,280	1,317	1,120	907
Net Interest Income Growth	11.55%	9.06%	-2.81%	17.59%	23.48%	-1.63%
Non-Interest Income	371.99	369	316	254	323	330
Non-Interest Income Growth	17.71%	16.77%	24.41%	-21.36%	-2.12%	12.25%
Revenues Before Loan Losses	1,804	1,765	1,596	1,571	1,443	1,237
Provision for Credit Losses	87.46	86	80	72	64	1
Revenue	1,717	1,679	1,516	1,499	1,379	1,236
Revenue Growth (YoY)	13.17%	10.75%	1.13%	8.70%	11.57%	13.08%
Compensation Expenses	530.71	530	504	462	426	418
Selling, General & Admin	358.82	355	349	337	267	256
Other Non-Interest Expenses	132.34	125	108	116	133	59
Total Non-Interest Expense	1,022	1,010	961	915	826	733
Pretax Income	694.94	669	555	584	553	503
Provision for Income Taxes	109.89	104	90	99	114	98
Net Income	585.05	565	459	477	431	397
Net Income Attributable to Preferred Dividends	-	-	6	8	8	8
Net Income to Common	585.05	565	459	477	431	397
Net Income Growth	27.18%	23.09%	-3.77%	10.67%	8.56%	42.81%
Shares Outstanding (Basic)	361	361	361	361	350	320
Shares Outstanding (Diluted)	361	362	363	363	354	323
Shares Change (YoY)	-0.41%	-0.19%	-0.07%	2.50%	9.45%	-0.62%
EPS (Basic)	1.62	1.57	1.27	1.32	1.23	1.24
EPS (Diluted)	1.62	1.56	1.27	1.31	1.22	1.23
EPS Growth	28.57%	22.84%	-3.05%	7.38%	-0.81%	44.71%
Shares Outstanding	357.39	357.3	359.62	358.83	360.47	318.93
Free Cash Flow	-	376	503	335	1,123	472
Free Cash Flow Growth	-	-25.25%	50.15%	-70.17%	137.92%	555.56%
Free Cash Flow Per Share	-	1.04	1.39	0.92	3.17	1.46
Dividends Per Share	0.480	0.480	0.480	0.480	0.480	0.480
Profit Margin	34.08%	33.65%	30.67%	32.35%	31.83%	32.77%
FCF Margin	-	22.39%	33.18%	22.35%	81.44%	38.19%
EBITDA	-	77	67	78	73	10
EBITDA Margin	-	4.59%	4.42%	5.20%	5.29%	0.81%
Effective Tax Rate	15.81%	15.55%	16.22%	16.95%	20.61%	19.48%

Updated Apr 16, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q