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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	467	465	485	439	405	286
Depreciation & Amortization	72	67	78	73	10	-3
Gain (Loss) on Sale of Investments	34	34	67	-	-	-
Provision for Credit Losses	89	80	72	64	1	123
Net Decrease (Increase) in Loans Originated / Sold - Operating	-135	-64	-43	197	-88	-56
Accrued Interest Receivable	16	-4	-34	-42	14	19
Change in Other Net Operating Assets	1	-	-7	-6	3	-6
Other Operating Activities	-11	87	-228	510	241	-195
Operating Cash Flow	499	642	423	1,218	530	113
Operating Cash Flow Growth	-17.38%	51.77%	-65.27%	129.81%	369.03%	-56.37%
Capital Expenditures	-139	-139	-88	-95	-58	-41
Cash Acquisitions	-	-	-	188	-	-
Investment in Securities	-323	-250	269	-317	-653	286
Net Decrease (Increase) in Loans Originated / Sold - Investing	-993	-1,314	-2,442	-2,831	558	-2,067
Investing Cash Flow	-1,455	-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	935	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	-2,001	-1,590	-352	-410	-705	-1,986
Net Debt Issued (Repaid)	-1,066	-211	2,012	-29	-680	-1,658
Repurchase of Common Stock	-20	-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	2,753	2,394	-62	258	2,604	4,337
Other Financing Activities	11	12	8	11	16	17
Financing Cash Flow	1,503	1,904	1,740	18	1,733	2,493
Net Cash Flow	547	843	-98	-1,819	2,110	784
Free Cash Flow	360	503	335	1,123	472	72
Free Cash Flow Growth	-30.37%	50.15%	-70.17%	137.92%	555.56%	-66.20%
Free Cash Flow Margin	23.28%	33.18%	22.35%	81.58%	38.34%	6.40%
Free Cash Flow Per Share	0.99	1.39	0.92	3.17	1.46	0.22
Cash Interest Paid	987	973	619	144	101	216
Cash Income Tax Paid	58	58	94	81	74	57

Updated Jul 17, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q