FNB CORP/PA/

Listed Company

FNBCIK 0000037808NYSELarge AcceleratedNational Commercial BanksPennsylvaniaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$565.00M

Total Assets

$50.23B

Equity

$6.76B

Shares Out

357.39M

Op. Cash Flow

$482.00M

Business

FNB CORP/PA/ is a bank holding company that provides diversified financial services through its banking and non-bank subsidiaries. It offers commercial and consumer banking, mortgage and consumer lending, deposit products, treasury and capital markets services, wealth and fiduciary management, investment advisory and broker-dealer services, insurance brokerage and reinsurance, merchant banking and title insurance, and digital banking tools. Its operations are organized into three reportable segments: Community Banking, Wealth Management and Insurance, with other non‑segment subsidiaries grouped as Other. FNB distributes services through a regional branch and ATM network, digital and mobile channels (including its eStore platform), third‑party broker and networking arrangements, and loan production offices across seven states and the District of Columbia.

Summary from filing dated 2025-02-27

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans and leases, including fees	1,996	1,985	1,754	1,117	886
Taxable	232	196	150	117	86
Tax-exempt	28	28	28	27	29
Other	70	43	41	24	4
Total Interest Income	2,326	2,252	1,973	1,285	1,005
Deposits	737	754	495	108	47
Short-term borrowings	68	99	78	25	27
Long-term borrowings	125	119	83	32	24
Total Interest Expense	930	972	656	165	—
Net interest income (loss)	1,396	1,280	1,317	1,120	907
Provision for credit losses	86	80	72	64	—
Net Interest Income After Provision for Credit Losses	1,310	1,200	1,245	1,056	906
Service charges	92	91	82	86	74
Interchange and card transaction fees	52	52	52	51	48
Trust services	48	46	43	39	37
Insurance commissions and fees	20	22	23	24	25
Securities commissions and fees	36	31	28	24	22
Capital markets income	27	24	27	35	37
Mortgage banking operations	28	27	21	21	37
Dividends on non-marketable equity securities	24	25	21	12	9
Bank owned life insurance	18	17	12	12	15
Net securities gains (losses)	0	−34	−67	0	0
Other	24	15	12	19	26
Total Non-Interest Income	369	316	254	323	330
Salaries and employee benefits	530	504	462	426	418
Net occupancy	78	79	70	68	58
Equipment	108	98	91	76	70
Outside services	108	96	84	73	71
Marketing	20	21	17	16	14
FDIC insurance	28	41	61	20	18
Bank shares tax	13	14	14	14	13
Other	125	108	116	133	57
Total Non-Interest Expense	1,010	961	915	826	733
Income Before Income Taxes	669	555	584	553	503
Income taxes	104	90	99	114	98
Net Income	565	465	485	439	405
Preferred stock dividends	0	6	8	8	—
Net Income Available to Common Shareholders	565	459	477	431	397
Net Income Available to Common Shareholders	565	459	477	431	397
Basic (USD per share)	1.57	1.27	1.32	1.23	1.24
Diluted (USD per share)	1.56	1.27	1.31	1.22	1.23

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	387	416	447	443	337
Interest-bearing deposits with banks	2,111	2,003	1,129	1,231	3,156
Cash and Cash Equivalents	2,498	2,419	1,576	1,674	3,493
Debt securities available for sale (amortized cost of $3,783 and $3,620; allowance for credit losses of $0 and $0)	3,727	3,466	3,254	3,275	3,426
Debt securities held to maturity (fair value of $3,941 and $3,644; allowance for credit losses of $0 and $0)	4,117	3,979	3,911	4,087	3,463
Loans held for sale (includes $514 and $214 measured at fair value (1))	515	218	488	124	295
Loans and leases, net of unearned income of $87 and $106 (includes $85 and $53 measured at fair value (1))	34,777	33,939	32,323	30,255	24,968
Allowance for credit losses on loans and leases	−439	−423	−406	−402	−344
Net Loans and Leases	34,338	33,516	31,917	29,853	24,624
Premises and equipment, net	568	536	461	432	345
Goodwill	2,480	2,478	2,477	2,477	2,262
Core deposit and other intangible assets, net	36	51	69	89	42
Bank owned life insurance	667	660	660	653	546
Other assets	1,283	1,302	1,345	1,061	1,017
Total Assets	50,229	48,625	46,158	43,725	39,513
Non-interest-bearing demand	9,914	9,761	10,222	11,916	10,789
Interest-bearing demand	18,399	16,668	14,809	15,100	14,409
Savings	3,138	3,178	3,465	4,142	3,669
Certificates and other time deposits	7,308	7,500	6,215	3,612	2,859
Total Deposits	38,759	37,107	34,711	34,770	31,726
Short-term borrowings	2,017	1,256	2,506	1,372	1,536
Long-term borrowings	1,901	3,012	1,971	1,093	682
Other liabilities	793	948	920	837	419
Total Liabilities	43,470	42,323	40,108	38,072	34,363
Common stock - $0.01 par value Authorized 500,000,000 shares Issued 375,030,534 and 375,018,433 shares	4	4	4	4	3
Additional paid-in capital	4,695	4,695	4,692	4,696	4,109
Retained earnings	2,343	1,952	1,669	1,370	1,110
Accumulated other comprehensive loss	−63	−169	−235	−357	−62
Treasury stock 17,727,219 and 15,402,776 shares at cost	−220	−180	−187	−167	−117
Total Shareholders Equity	6,759	6,302	6,050	5,653	5,150
Total Liabilities and Shareholders Equity	50,229	48,625	46,158	43,725	39,513

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation, amortization and accretion	77	67	78	73	10
Deferred tax expense (benefit)	46	45	−6	11	15
Loans originated for sale	−1,644	−1,455	−1,114	−1,042	−2,034
Loans sold	1,561	1,391	1,071	1,239	1,946
Net (gains) losses on sale of loans	−18	−18	−5	−38	−53
Interest receivable	1	−4	−34	−42	14
Interest payable	−14	−5	38	21	−3
Bank owned life insurance, excluding purchases	−7	0	−7	−6	3
Other, net	−171	42	−222	499	226
Net cash flows provided by (used in) operating activities	482	642	423	1,218	530
Net change in loans and leases, excluding sales and transfers	−1,104	−2,113	−2,442	−2,831	558
Purchases	−931	−1,280	−1,008	−880	−1,683
Sales	0	231	581	459	0
Maturities/payments	774	860	517	735	1,634
Purchases	−541	−419	−190	−1,200	−1,448
Maturities/payments	413	358	369	569	844
Increase in premises and equipment	−106	−139	−88	−95	−58
Net proceeds from sales of portfolio loans	10	799	0	0	—
Other	−2	0	0	—	0
Net cash flows provided by (used in) investing activities	−1,487	−1,703	−2,261	−3,055	−153
Demand (non-interest-bearing and interest-bearing) and savings accounts	1,844	1,112	−2,662	−108	3,406
Time deposits	−194	1,282	2,600	366	−802
Short-term borrowings	761	−1,249	1,134	−179	−267
Proceeds from issuance of long-term borrowings	638	1,379	1,230	381	25
Repayment of long-term borrowings	−1,751	−341	−352	−231	−438
Redemption of preferred stock	0	−111	0	0	—
Repurchases of common stock	−50	−3	−36	−43	−43
Preferred stock	0	−2	−8	−8	−8
Common stock	−174	−175	−174	−171	−156
Other, net	10	12	8	11	16
Net cash flows provided by (used in) financing activities	1,084	1,904	1,740	18	1,733
Net Increase (Decrease) in Cash and Cash Equivalents	79	843	−98	−1,819	2,110

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