F.N.B Past Earnings Performance

Past criteria checks 5/6

F.N.B has been growing earnings at an average annual rate of 8.2%, while the Banks industry saw earnings growing at 12.5% annually. Revenues have been growing at an average rate of 6.9% per year. F.N.B's return on equity is 8.8%, and it has net margins of 34.6%.

Key information

8.18%

Earnings growth rate

5.90%

EPS growth rate

Banks Industry Growth	10.63%
Revenue growth rate	6.92%
Return on equity	8.83%
Net Margin	34.62%
Last Earnings Update	30 Jun 2026

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How F.N.B makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

XTRA:FN2 Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Jun 26	1,745	604	858
31 Mar 26	1,717	585	849
31 Dec 25	1,679	565	844
30 Sep 25	1,587	507	831
30 Jun 25	1,546	467	826
31 Mar 25	1,517	460	809
31 Dec 24	1,516	459	798
30 Sep 24	1,493	398	777
30 Jun 24	1,483	431	757
31 Mar 24	1,490	448	742
31 Dec 23	1,499	477	724
30 Sep 23	1,562	565	707
30 Jun 23	1,548	558	690
31 Mar 23	1,487	525	674
31 Dec 22	1,377	431	659
30 Sep 22	1,294	391	648
30 Jun 22	1,247	364	641
31 Mar 22	1,225	357	639
31 Dec 21	1,231	397	631
30 Sep 21	1,218	370	651
30 Jun 21	1,189	342	639
31 Mar 21	1,157	324	623
31 Dec 20	1,125	278	625
30 Sep 20	1,118	301	591
30 Jun 20	1,120	321	581
31 Mar 20	1,141	332	582
31 Dec 19	1,165	379	573
30 Sep 19	1,164	384	551
30 Jun 19	1,163	382	550
31 Mar 19	1,158	372	552
31 Dec 18	1,149	365	551
30 Sep 18	1,143	289	542
30 Jun 18	1,124	266	532
31 Mar 18	1,099	255	510
31 Dec 17	1,037	191	486
30 Sep 17	954	218	471
30 Jun 17	876	193	442
31 Mar 17	800	160	413
31 Dec 16	752	163	362
30 Sep 16	715	151	375
30 Jun 16	675	139	355
31 Mar 16	637	137	337
31 Dec 15	620	152	325
30 Sep 15	613	152	320

Quality Earnings: FN2 has high quality earnings.

Growing Profit Margin: FN2's current net profit margins (34.6%) are higher than last year (30.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: FN2's earnings have grown by 8.2% per year over the past 5 years.

Accelerating Growth: FN2's earnings growth over the past year (29.3%) exceeds its 5-year average (8.2% per year).

Earnings vs Industry: FN2 earnings growth over the past year (29.3%) exceeded the Banks industry 1.7%.

Return on Equity

High ROE: FN2's Return on Equity (8.8%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/09/13 17:42
End of Day Share Price	2026/09/11 00:00
Earnings	2026/06/30
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

F.N.B. Corporation is covered by 21 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Lana Chan	BMO Capital Markets Equity Research
Peter Winter	BMO Capital Markets Equity Research
Leanne Caravaggio	BMO Capital Markets Equity Research