F.N.B. Corporation (FNB)

F.N.B. Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	507	465	485	439	405	286
Depreciation & Amortization	73	67	78	73	10	-3
Gain (Loss) on Sale of Investments	34	34	67	-	-	-
Provision for Credit Losses	90	80	72	64	1	123
Net Decrease (Increase) in Loans Originated / Sold - Operating	-67	-64	-43	197	-88	-56
Accrued Interest Receivable	1	-4	-34	-42	14	19
Change in Other Net Operating Assets	-10	-	-7	-6	3	-6
Other Operating Activities	83	87	-228	510	241	-195
Operating Cash Flow	680	642	423	1,218	530	113
Operating Cash Flow Growth	129.73%	51.77%	-65.27%	129.81%	369.03%	-56.37%
Capital Expenditures	-125	-139	-88	-95	-58	-41
Cash Acquisitions	-	-	-	188	-	-
Investment in Securities	-316	-250	269	-317	-653	286
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,301	-1,314	-2,442	-2,831	558	-2,067
Investing Cash Flow	-1,742	-1,703	-2,261	-3,055	-153	-1,822
Short-Term Debt Issued	-	-	1,134	-	-	-
Long-Term Debt Issued	-	1,379	1,230	381	25	328
Total Debt Issued	1,680	1,379	2,364	381	25	328
Short-Term Debt Repaid	-	-1,249	-	-179	-267	-1,412
Long-Term Debt Repaid	-	-341	-352	-231	-438	-574
Total Debt Repaid	-1,755	-1,590	-352	-410	-705	-1,986
Net Debt Issued (Repaid)	-75	-211	2,012	-29	-680	-1,658
Repurchase of Common Stock	-32	-3	-36	-43	-43	-38
Preferred Share Repurchases	-	-111	-	-	-	-
Common Dividends Paid	-175	-175	-174	-171	-156	-157
Preferred Dividends Paid	-	-2	-8	-8	-8	-8
Total Dividends Paid	-175	-177	-182	-179	-164	-165
Net Increase (Decrease) in Deposit Accounts	1,669	2,394	-62	258	2,604	4,337
Other Financing Activities	10	12	8	11	16	17
Financing Cash Flow	1,397	1,904	1,740	18	1,733	2,493
Net Cash Flow	335	843	-98	-1,819	2,110	784
Free Cash Flow	555	503	335	1,123	472	72
Free Cash Flow Growth	195.21%	50.15%	-70.17%	137.92%	555.56%	-66.20%
Free Cash Flow Margin	34.96%	33.18%	22.35%	81.58%	38.34%	6.40%
Free Cash Flow Per Share	1.53	1.39	0.92	3.17	1.46	0.22
Cash Interest Paid	961	973	619	144	101	216
Cash Income Tax Paid	48	58	94	81	74	57

Updated Oct 16, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q