F.N.B. Corporation (FNB) Balance Sheet
FNB balance sheet, 2025
December 31, 2025 · U.S. dollars$50.23B assets = $43.47B liabilities + $6.76B equity
Both columns are drawn to the same scale: what FNB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
FNB financial health
Descriptive bands, not a rating. Fiscal 2025.
FNB balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $21.84B2016 | $50.23B2025 | +9.7%/yr | |
| Total liabilities | $19.27B2016 | $43.47B2025 | +9.5%/yr | |
| Shareholders’ equity | $2.57B2016 | $6.76B2025 | +11.3%/yr | |
| Cash & short-term investments | $2.60B2016 | $6.22B2025 | +10.2%/yr | |
| Total debt | $3.04B2016 | $3.92B2025 | +2.8%/yr | |
| Net cash (debt) | −$439.1M2016 | $2.31B2025 | +$2.7B | |
| Working capital | −$15.64B2016 | $302.0M2025 | +$15.9B | |
| Book value per share | $12.382016 | $18.672025 | +4.7%/yr | |
| Debt / equity | 1.182016 | 0.582025 | −0.60 | |
| Shares outstanding | 207.8M2016 | 362.0M2025 | +6.4%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
FNB assets
FNB liabilities and equity
FNB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
FNB balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $6.22B | $5.39B | $4.83B | $4.95B | $6.92B | $4.85B | $3.89B | $3.83B | $3.24B | $2.60B |
| Cash & equivalents | $2.50B | $2.42B | $1.58B | $1.67B | $3.49B | $1.38B | $599.0M | $488.0M | $479.4M | $371.4M |
| Short-term investments | $3.73B | $2.98B | $3.25B | $3.27B | $3.43B | $3.46B | $3.29B | $3.34B | $2.76B | $2.23B |
| Receivables | $34.34B | $742.0M | $578.0M | $505.5M | $480.3M | $468.0M | $432.0M | $373.0M | $267.0M | $196.6M |
| Inventory | $0 | $0 | −$130.8M | $6.0M | −$3.55B | −$1.41B | −$734.0M | −$373.0M | −$266.7M | −$196.6M |
| Other current assets | $515.0M | $0 | $130.8M | $0 | $3.56B | $1.41B | $734.0M | $373.0M | $266.7M | $196.6M |
| Total current assets | $41.08B | $6.14B | $5.41B | $5.45B | $7.41B | $5.31B | $4.32B | $4.20B | $3.51B | $2.80B |
| Property, plant & equipment (net) | $568.0M | $536.0M | $461.0M | $432.0M | $345.0M | $332.0M | $333.0M | $330.0M | $336.5M | $244.0M |
| Goodwill & intangible assets | $2.52B | $2.53B | $2.55B | $2.57B | $2.30B | $2.32B | $2.33B | $2.33B | $2.34B | $1.09B |
| Long-term investments | $7.84B | $7.45B | $7.17B | $7.36B | $6.89B | $6.33B | $29.71B | $25.25B | $24.16B | $17.09B |
| Other non-current assets | $0 | $31.98B | $30.58B | $27.91B | $22.56B | $23.06B | $0 | $987.0M | $1.07B | $626.8M |
| Total assets | $50.23B | $48.62B | $46.16B | $43.73B | $39.51B | $37.35B | $34.62B | $33.10B | $31.42B | $21.84B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $34.77B | $31.73B | $29.12B | $24.79B | $23.45B | $22.40B | $16.07B |
| Short-term debt | $2.02B | $1.12B | $2.39B | $1.25B | $1.41B | $1.68B | $3.11B | $4.02B | $3.54B | $2.38B |
| Total current liabilities | $40.78B | $38.23B | $37.10B | $36.02B | $33.13B | $30.80B | $27.89B | $27.47B | $25.94B | $18.44B |
| Long-term debt | $1.90B | $1.26B | $771.0M | $1.09B | $682.0M | $1.09B | $1.34B | $627.0M | $668.2M | $539.5M |
| Other long-term liabilities | $0 | $2.83B | $2.23B | $962.0M | $549.0M | $495.0M | $498.0M | $396.0M | $399.8M | $293.0M |
| Total liabilities | $43.47B | $42.32B | $40.11B | $38.07B | $34.36B | $32.40B | $29.73B | $28.49B | $27.01B | $19.27B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $4.0M | $4.0M | $4.0M | $4.0M | $3.0M | $3.0M | $3.0M | $3.0M | $3.0M | $2.1M |
| Retained earnings (deficit) | $2.34B | $1.95B | $1.67B | $1.37B | $1.11B | $869.0M | $798.0M | $576.0M | $368.0M | $304.4M |
| Treasury stock | — | — | — | — | −$117.0M | −$68.0M | −$27.0M | −$21.0M | −$19.1M | −$14.8M |
| Accumulated other comprehensive income | −$63.0M | −$169.0M | −$235.0M | −$357.0M | −$62.0M | −$39.0M | −$65.0M | −$106.0M | −$83.0M | −$61.4M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $6.76B | $6.30B | $6.05B | $5.65B | $5.15B | $4.96B | $4.88B | $4.61B | $4.41B | $2.57B |
| Key figures | ||||||||||
| Total debt | $3.92B | $4.27B | $4.48B | $2.46B | $2.22B | $2.90B | $4.56B | $4.76B | $4.35B | $3.04B |
| Net cash (debt) | $2.31B | $1.13B | $353.0M | $2.48B | $4.70B | $1.95B | −$668.0M | −$927.0M | −$1.10B | −$439.1M |
| Working capital | $302.0M | −$32.09B | −$31.70B | −$30.56B | −$25.72B | −$25.49B | −$23.57B | −$23.27B | −$22.43B | −$15.64B |
| Tangible book value | $4.24B | $3.77B | $3.50B | $3.09B | $2.85B | $2.64B | $2.55B | $2.27B | $2.07B | $1.49B |
| Book value per share | $18.67 | $17.38 | $16.67 | $15.97 | $15.92 | $15.24 | $14.98 | $14.15 | $14.51 | $12.38 |
| Shares outstanding | 362.0M | 362.6M | 362.9M | 354.1M | 323.5M | 325.5M | 326.1M | 325.6M | 303.9M | 207.8M |
| Current ratio | 1.01 | 0.16 | 0.15 | 0.15 | 0.22 | 0.17 | 0.15 | 0.15 | 0.14 | 0.15 |
| Quick ratio | 0.99 | 0.16 | 0.15 | 0.15 | 0.22 | 0.17 | 0.15 | 0.15 | 0.14 | 0.15 |
| Debt / equity | 0.58 | 0.68 | 0.74 | 0.44 | 0.43 | 0.58 | 0.93 | 1.03 | 0.99 | 1.18 |
| Equity / assets | 13.5% | 13.0% | 13.1% | 12.9% | 13.0% | 13.3% | 14.1% | 13.9% | 14.0% | 11.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $426.0M | $452.0M | $6.22B | $5.53B | $5.52B | $5.48B | $5.39B | $5.57B | $5.24B | $4.71B | $4.83B | $4.78B |
| Cash & equivalents | $426.0M | $452.0M | $2.50B | $2.41B | $2.43B | $2.44B | $2.42B | $2.08B | $1.88B | $1.49B | $1.58B | $1.64B |
| Short-term investments | $3.18B | $3.25B | $3.73B | $3.12B | $3.10B | $3.04B | $2.98B | $3.49B | $3.36B | $3.23B | $3.25B | $3.15B |
| Receivables | $136.0M | $0 | $34.34B | $805.7M | $751.1M | $759.2M | $742.0M | $687.4M | $683.0M | $615.0M | $578.0M | $562.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$235.0M | −$2.10B | −$130.8M | −$1.79B |
| Other current assets | $0 | $0 | $515.0M | $0 | $0 | $0 | $0 | $0 | $235.0M | $2.10B | $130.8M | $1.79B |
| Total current assets | $426.0M | $452.0M | $41.08B | $6.33B | $6.28B | $6.24B | $6.14B | $6.26B | $5.93B | $5.33B | $5.41B | $5.34B |
| Property, plant & equipment (net) | $564.0M | $566.0M | $568.0M | $557.0M | $557.0M | $539.0M | $536.0M | $505.0M | $489.0M | $474.0M | $461.0M | $460.0M |
| Goodwill & intangible assets | $2.51B | $2.51B | $2.52B | $2.52B | $2.52B | $2.53B | $2.53B | $2.53B | $2.54B | $2.54B | $2.55B | $2.55B |
| Long-term investments | $8.01B | $7.96B | $7.84B | $7.67B | $7.70B | $7.51B | $7.45B | $7.31B | $7.26B | $7.12B | $7.17B | $7.07B |
| Other non-current assets | $39.49B | $39.14B | $0 | $32.81B | $32.67B | $32.21B | $31.98B | $31.36B | $31.50B | $30.43B | $30.58B | $30.07B |
| Total assets | $51.00B | $50.63B | $50.23B | $49.89B | $49.73B | $49.02B | $48.62B | $47.98B | $47.72B | $45.90B | $46.16B | $45.50B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $34.62B |
| Short-term debt | $2.72B | $2.16B | $2.02B | $1.77B | $1.74B | $1.83B | $1.12B | $1.43B | $3.49B | $1.96B | $2.39B | $1.95B |
| Total current liabilities | $2.68B | $2.16B | $40.78B | $40.21B | $39.49B | $39.07B | $38.23B | $38.20B | $38.48B | $36.69B | $37.10B | $36.57B |
| Long-term debt | $2.13B | $2.13B | $1.90B | $899.0M | $2.69B | $1.26B | $1.26B | $2.65B | $2.14B | $2.24B | $2.08B | $1.97B |
| Other long-term liabilities | $39.35B | $39.53B | $0 | $2.14B | $1.02B | $2.27B | $2.83B | $879.0M | $999.0M | $960.0M | $920.0M | $1.06B |
| Total liabilities | $44.16B | $43.83B | $43.47B | $43.25B | $43.20B | $42.60B | $42.32B | $41.73B | $41.62B | $39.89B | $40.11B | $39.60B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $4.0M | $4.0M | $4.0M | $4.0M | $4.0M | $4.0M | $4.0M | $4.0M | $4.0M | $4.0M | $4.0M | $4.0M |
| Retained earnings (deficit) | $2.54B | $2.44B | $2.34B | $2.22B | $2.11B | $2.02B | $1.95B | $1.89B | $1.82B | $1.74B | $1.67B | $1.66B |
| Accumulated other comprehensive income | −$103.0M | −$86.0M | −$63.0M | −$77.0M | −$92.0M | −$121.0M | −$169.0M | −$154.0M | −$243.0M | −$250.0M | −$235.0M | −$382.0M |
| Total shareholders' equity | $6.84B | $6.80B | $6.76B | $6.64B | $6.52B | $6.42B | $6.30B | $6.25B | $6.09B | $6.01B | $6.05B | $5.89B |
| Key figures | ||||||||||||
| Total debt | $4.97B | $4.16B | $3.92B | $4.00B | $4.57B | $4.48B | $4.27B | $4.08B | $5.63B | $4.20B | $4.48B | $4.03B |
| Net cash (debt) | −$4.54B | −$3.71B | $2.31B | $1.52B | $956.0M | $999.0M | $1.13B | $1.50B | −$388.0M | $518.0M | $353.0M | $748.0M |
| Working capital | −$2.25B | −$1.71B | $302.0M | −$33.88B | −$33.22B | −$32.83B | −$32.09B | −$31.94B | −$32.56B | −$31.36B | −$31.70B | −$31.23B |
| Tangible book value | $4.33B | $4.29B | $4.24B | $4.12B | $4.00B | $3.89B | $3.77B | $3.71B | $3.55B | $3.46B | $3.50B | $3.34B |
| Book value per share | $19.13 | $18.88 | $18.67 | $18.35 | $18.01 | $17.63 | $17.21 | $17.24 | $16.79 | $16.56 | $16.16 | $16.29 |
| Shares outstanding | 357.4M | 360.2M | 362.0M | 361.7M | 362.3M | 364.1M | 366.2M | 362.4M | 362.7M | 362.6M | 374.3M | 361.8M |
| Current ratio | 0.16 | 0.21 | 1.01 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.15 |
| Quick ratio | 0.21 | 0.21 | 0.99 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.15 |
| Debt / equity | 0.73 | 0.61 | 0.58 | 0.60 | 0.70 | 0.70 | 0.68 | 0.65 | 0.92 | 0.70 | 0.74 | 0.68 |
| Equity / assets | 13.4% | 13.4% | 13.5% | 13.3% | 13.1% | 13.1% | 13.0% | 13.0% | 12.8% | 13.1% | 13.1% | 13.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 24, 2026); data from EODHD.
FNB financial position
At the end of fiscal 2025 (December 31, 2025), F.N.B. had total assets of $50.2 billion (up 3.3% from a year earlier), total liabilities of $43.5 billion and shareholders' equity of $6.8 billion. It held $6.2 billion in cash and short-term investments against $3.9 billion of debt, a net cash position of $2.3 billion. Its current ratio was 1.01. In the latest quarter (ended June 30, 2026) total assets were $51.0 billion and equity $6.8 billion.
Related: FNB income statement, FNB cash flow statement, FNB key metrics. See the FNB stock overview for the latest quote and news.
FNB balance sheet FAQ
What are F.N.B.'s total assets?
F.N.B. reported total assets of $50.2 billion at the end of fiscal 2025 (December 31, 2025), compared with $48.6 billion a year earlier.
How much debt does F.N.B. have?
F.N.B. had $3.9 billion of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.58.
How much cash does F.N.B. have?
F.N.B. held $6.2 billion in cash and short-term investments at the end of fiscal 2025; with $3.9 billion of debt that is net cash of $2.3 billion.
What is F.N.B.'s book value?
F.N.B.'s shareholders' equity (book value) was $6.8 billion at the end of fiscal 2025, or $18.67 per share.
What is F.N.B.'s current ratio?
F.N.B. had current assets of $41.1 billion and current liabilities of $40.8 billion, a current ratio of 1.01 (it can cover its short-term obligations).
How much goodwill does F.N.B. have?
F.N.B. carried $2.5 billion of goodwill and intangible assets, 5.0% of total assets, at the end of fiscal 2025.