F.N.B. Financial Ratios
NYSE: FNBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
F.N.B. ratio analysis
F.N.B. earned a net margin of 32.0% in FY 2025, up from 29.1% a year earlier. Return on equity reached 8.4%, meaning F.N.B. generated 0.08 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.58 versus 0.68 the year before.
At the end of FY 2025, FNB traded at 11.0 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 9.2 to 21.9, with a median of 10.9. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
F.N.B. financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 11.02 | 11.55 | 10.51 | 10.70 | 9.86 | 11.18 | 10.88 | 9.23 | 21.94 | 20.55 |
| Price / sales | 3.51 | 3.32 | 3.16 | 3.17 | 3.14 | 2.53 | 3.39 | 2.78 | 3.80 | 4.07 |
| Price / book | 0.92 | 0.84 | 0.82 | 0.81 | 0.75 | 0.62 | 0.84 | 0.73 | 0.95 | 1.29 |
| Net margin | 32.0% | 29.1% | 30.9% | 30.4% | 32.7% | 23.5% | 32.0% | 30.9% | 18.1% | 21.0% |
| Free cash flow margin | 21.3% | 31.5% | 21.3% | 77.8% | 38.2% | 5.9% | 17.6% | 47.7% | 20.2% | 28.7% |
| Return on equity (ROE) | 8.4% | 7.4% | 8.0% | 7.8% | 7.9% | 5.8% | 7.9% | 8.1% | 4.5% | 6.6% |
| Return on assets (ROA) | 1.1% | 1.0% | 1.1% | 1.0% | 1.0% | 0.8% | 1.1% | 1.1% | 0.6% | 0.8% |
| Debt / equity | 0.58 | 0.68 | 0.74 | 0.44 | 0.43 | 0.58 | 0.93 | 1.03 | 0.99 | 1.18 |
| Revenue growth | 10.6% | 1.6% | 8.9% | 16.7% | 1.7% | 0.4% | 0.2% | 10.0% | 35.1% | 23.1% |
| EPS growth | 22.8% | -3.1% | 7.4% | -0.8% | 44.7% | -26.7% | 3.6% | 77.8% | -19.2% | -9.3% |