A Business at a Glance
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We are a Pennsylvania corporation, a bank holding company and a financial holding company. We are incorporated under the laws of the Commonwealth of Pennsylvania, and through our subsidiaries, we have been in business since 1864. Our headquarters is located at 626 Washington Place, Pittsburgh, Pennsylvania 15219. As a diversified financial services holding company, FNB, through our subsidiaries, provides a full range of financial services, principally to consumers, corporations, governments and small- to medium-sized businesses in our market areas through our subsidiary network, which is led by our largest subsidiary, FNBPA. Our business strategy focuses primarily on providing quality, consumer- and commercial-based financial services adapted to the needs of each of the markets we serve.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 2.7B | 2.7B | 2.6B | 2.2B | 1.6B | 1.3B |
| Net Income | 565M | 565M | 459M | 477M | 431M | 397M |
| EPS | $1.56 | $1.56 | $1.27 | $1.31 | $1.22 | $1.23 |
| Free Cash Flow | 376M | 376M | 503M | 335M | 1.1B | 472M |
| ROIC | 6.9% | 6.3% | 5.3% | 6.5% | 6.9% | 6.7% |
| Gross Margin | 69.5% | 69.5% | 67.5% | 67.3% | 85.8% | 92.6% |
| Debt/Equity | 0.58 | 0.58 | 0.68 | 0.74 | 0.44 | 0.43 |
| Dividends/Share | $0.48 | $0.48 | $0.48 | $0.48 | $0.48 | $0.48 |
| Operating Income | 669M | 669M | 555M | 584M | 553M | 503M |
| Operating Margin | 24.8% | 24.8% | 21.6% | 26.2% | 34.4% | 37.7% |
| ROE | 8.4% | 8.7% | 7.4% | 8.2% | 8.0% | 7.9% |
| Shares Outstanding | 362M | 362M | 361M | 364M | 353M | 323M |
FNB CORP/PA/ passes 5 of 9 quality checks, suggesting mixed fundamentals.
FNB CORP/PA/ trades at 11.4x trailing earnings, compared to its 15-year median P/E of 9.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 16.9x vs a median of 12.0x. The company's 5-year average ROIC is 6.3% with a gross margin of 76.5%. Total shareholder yield (dividends + buybacks) is 3.5%. At current prices, the estimated annualized return to fair value is +9.6%.
FNB CORP/PA/ (FNB) has a current P/E ratio of 11.4, compared to its historical median P/E of 9.7. The stock is currently considered Fair based on its historical valuation range.
FNB CORP/PA/ (FNB) has a 5-year average return on invested capital (ROIC) of 6.3%. This is below average and may indicate limited pricing power.
FNB CORP/PA/ (FNB) has a market capitalization of $6.4B. It is classified as a mid-cap stock.
Yes, FNB CORP/PA/ (FNB) pays a dividend with a trailing twelve-month yield of 2.70%. The company also returns capital through share buybacks, with a buyback yield of 0.78%.
Based on historical P/E analysis, FNB CORP/PA/ (FNB) appears fair. The current P/E of 11.4 is 18% above its historical median of 9.7. The estimated fair value CAGR (P/E method) is 5.6%.
FNB CORP/PA/ (FNB) operates in the National Commercial Banks industry, within the Financials sector.
FNB CORP/PA/ (FNB) reported annual revenue of $2.7 billion in its most recent fiscal year, based on SEC EDGAR filings.
FNB CORP/PA/ (FNB) has a net profit margin of 21.0%. This is a strong margin indicating high profitability.
FNB CORP/PA/ (FNB) generated $376 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FNB CORP/PA/ (FNB) has a debt-to-equity ratio of 0.58. This indicates moderate leverage.
FNB CORP/PA/ (FNB) reported earnings per share (EPS) of $1.56 in its most recent fiscal year.
FNB CORP/PA/ (FNB) has a return on equity (ROE) of 8.7%. This indicates moderate shareholder returns.
FNB CORP/PA/ (FNB) has a 5-year average gross margin of 76.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for FNB CORP/PA/ (FNB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FNB CORP/PA/ (FNB) has a book value per share of $18.66, based on its most recent annual SEC filing.
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