F.N.B. Corporation (FNB) Income Statement
FNB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsFNB revenue and net income
Where FNB's revenue goes
2025Each bar shows an amount and its share of revenue. FNB kept 21.0% of revenue as net income.
FNB profit margins
FNB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +4.9% | +18.8% | +13.3% | +14.3% |
| Gross profit | +10.8% | +6.8% | +8.6% | +10.5% |
| Operating income | +20.6% | +6.6% | +14.3% | +11.3% |
| Net income | +21.6% | +8.8% | +14.6% | +13.5% |
| EPS (diluted) | +13.6% | +4.3% | +10.6% | +6.1% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
FNB quarterly EPS vs estimates
F.N.B. beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 19, 2026 (estimate $0.43).
FNB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.69B | $2.57B | $2.23B | $1.61B | $1.33B | $1.44B | $1.54B | $1.45B | $1.23B | $880.0M |
| Cost of revenue | $1.02B | $1.05B | $728.0M | $229.0M | $99.0M | $331.0M | $374.0M | $299.0M | $195.0M | $123.0M |
| Gross profit | $1.68B | $1.52B | $1.50B | $1.38B | $1.24B | $1.11B | $1.17B | $1.15B | $1.04B | $757.0M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $715.8M | $566.0M | $540.0M | $462.0M | $450.0M | $439.0M | $411.0M | $403.0M | $407.2M | $304.7M |
| Total operating expenses | $1.01B | $961.0M | $915.0M | $826.0M | $733.0M | $767.0M | $696.0M | $695.0M | $681.0M | $511.0M |
| Operating income | $669.4M | $555.0M | $584.0M | $553.0M | $503.0M | $343.0M | $471.0M | $452.0M | $356.0M | $246.0M |
| Interest income | $2.33B | $2.25B | $1.85B | $1.28B | $1.00B | $1.13B | $1.25B | $1.17B | $980.2M | $678.9M |
| Interest expense | $929.8M | $971.7M | $656.0M | $165.0M | $98.0M | $208.0M | $330.0M | $238.0M | $134.0M | $67.0M |
| Income before taxes | $669.4M | $555.0M | $584.0M | $553.0M | $503.0M | $343.0M | $471.0M | $452.0M | $356.0M | $246.0M |
| Income taxes | $104.0M | $90.0M | $99.0M | $114.0M | $98.0M | $57.0M | $84.0M | $79.0M | $157.0M | $75.0M |
| Net income | $565.4M | $465.0M | $485.0M | $439.0M | $405.0M | $286.0M | $387.0M | $373.0M | $199.0M | $171.0M |
| EBITDA | $746.4M | $622.0M | $662.0M | $626.0M | $513.0M | $340.0M | $516.0M | $561.0M | $445.0M | $307.0M |
| EPS (diluted) | $1.59 | $1.40 | $1.57 | $1.40 | $1.23 | $0.96 | $1.19 | $1.12 | $0.94 | $0.91 |
| Gross margin | 62.3% | 59.0% | 67.3% | 85.8% | 92.6% | 77.0% | 75.7% | 79.3% | 84.2% | 86.0% |
| Operating margin | 24.8% | 21.6% | 26.2% | 34.4% | 37.7% | 23.8% | 30.6% | 31.3% | 28.9% | 28.0% |
| Net margin | 21.0% | 18.1% | 21.8% | 27.3% | 30.3% | 19.8% | 25.1% | 25.8% | 16.2% | 19.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $675.0M | $660.3M | $679.8M | $694.0M | $674.0M | $647.2M | $620.0M | $672.0M | $645.0M | $631.4M | $545.0M | $594.0M |
| Cost of revenue | $233.7M | $228.5M | $240.9M | $261.0M | $261.0M | $253.0M | $270.0M | $283.0M | $261.0M | $238.0M | $221.0M | $212.0M |
| Gross profit | $441.3M | $431.8M | $438.9M | $433.0M | $413.0M | $394.0M | $350.0M | $389.0M | $384.0M | $392.8M | $324.0M | $382.0M |
| Sales, general & admin | $217.5M | $186.4M | $181.5M | $143.0M | $144.0M | $148.0M | $142.0M | $142.0M | $135.0M | $147.0M | $156.0M | $127.0M |
| Total operating expenses | $253.2M | $257.9M | $273.2M | $243.0M | $247.0M | $246.0M | $248.0M | $249.0M | $227.0M | $237.0M | $265.0M | $218.0M |
| Operating income | $188.1M | $173.9M | $165.7M | $190.0M | $166.0M | $147.3M | $102.0M | $140.0M | $157.0M | $156.0M | $59.0M | $164.0M |
| Interest income | $578.0M | $569.0M | $588.0M | $596.0M | $583.0M | $559.0M | $569.0M | $583.0M | $557.0M | $543.0M | $532.0M | $513.4M |
| Interest expense | $212.3M | $210.0M | $222.0M | $237.0M | $235.0M | $236.0M | $247.0M | $260.0M | $241.0M | $224.0M | $207.0M | $186.8M |
| Income before taxes | $188.1M | $173.9M | $165.7M | $190.0M | $166.0M | $147.3M | $102.0M | $140.0M | $157.0M | $156.0M | $59.0M | $164.0M |
| Income taxes | $39.3M | $36.9M | −$2.9M | $40.0M | $36.0M | $30.8M | −$8.0M | $30.0M | $34.0M | $34.0M | $8.0M | $19.0M |
| Net income | $148.7M | $137.0M | $168.7M | $150.0M | $130.0M | $116.5M | $110.0M | $110.0M | $123.0M | $122.0M | $51.0M | $145.0M |
| EBITDA | $213.1M | $196.9M | $187.7M | $208.0M | $185.0M | $166.0M | $120.0M | $157.0M | $175.0M | $170.0M | $76.0M | $183.0M |
| EPS (diluted) | $0.42 | $0.38 | $0.50 | $0.41 | $0.36 | $0.32 | $0.38 | $0.34 | $0.34 | $0.34 | $0.38 | $0.40 |
| Gross margin | 65.4% | 65.4% | 64.6% | 62.4% | 61.3% | 60.9% | 56.5% | 57.9% | 59.5% | 62.2% | 59.4% | 64.3% |
| Operating margin | 27.9% | 26.3% | 24.4% | 27.4% | 24.6% | 22.8% | 16.5% | 20.8% | 24.3% | 24.7% | 10.8% | 27.6% |
| Net margin | 22.0% | 20.8% | 24.8% | 21.6% | 19.3% | 18.0% | 17.7% | 16.4% | 19.1% | 19.3% | 9.4% | 24.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in FNB's financial statements (latest annual report filed February 24, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
FNB financial results
In fiscal year 2025 (ended December 31, 2025), F.N.B. reported revenue of $2.7 billion, up 4.9% from the year before. It had net income of $565.4 million (up 21.6%), a net profit margin of 21.0%. Diluted earnings per share came to $1.59. Over five years revenue grew at an average rate of 13.3% a year.
See the FNB stock overview for the latest quote and news, or the FNB chart for price history and technical indicators.
FNB income statement FAQ
What is F.N.B.'s annual revenue?
F.N.B. reported total revenue of $2.7 billion for fiscal year 2025, which ended on December 31, 2025. That was up 4.9% from $2.6 billion the previous year.
Is F.N.B. profitable?
Yes. F.N.B. reported net income of $565.4 million in fiscal 2025, a net profit margin of 21.0%; its operating margin was 24.8%.
What is F.N.B.'s gross margin?
F.N.B.'s gross margin was 62.3% in fiscal 2025: for every $100 of revenue, F.N.B. kept $62 after the direct cost of its products and services.
How fast is F.N.B. growing?
Revenue grew 13.3% a year on average over the last five fiscal years, from $1.4 billion to $2.7 billion.
What are F.N.B.'s earnings per share?
F.N.B. earned $1.59 per diluted share in fiscal 2025, compared with $1.40 a year earlier.
When will F.N.B. report its next earnings?
F.N.B. is expected to report results for the quarter ending September 30, 2026 on October 19, 2026 after the market closes.
When does F.N.B.'s fiscal year end?
F.N.B.'s fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 24, 2026.