F.N.B. Corporation (FNB) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 365.52M | 371.13M | 359M | 348M | 323M | 322M | 323M | 316M | 319M | 325M | 326M | 329M | 337M | 335M | 297M | 254M | 234M | 224M | 232M | 228M |
| NII Growth % | 13.16% | 15.26% | 11.15% | 10.13% | 1.25% | -0.92% | -0.92% | -3.95% | -5.34% | -2.99% | 9.76% | 29.53% | 44.02% | 49.55% | 28.02% | 11.4% | 4.93% | -4.27% | 2.2% | -0.44% |
| Net Interest Margin % | 0.72% | 0.74% | 0.72% | 0.7% | 0.66% | 0.66% | 0.67% | 0.66% | 0.7% | 0.7% | 0.72% | 0.73% | 0.76% | 0.77% | 0.7% | 0.61% | 0.56% | 0.57% | 0.59% | 0.59% |
| Interest Income | 575.53M | 593.17M | 596M | 583M | 559M | 569M | 583M | 557M | 543M | 532M | 513.36M | 484.2M | 444M | 408M | 343M | 280M | 254M | 245M | 256M | 253M |
| Interest Expense | 210M | 222.05M | 237M | 235M | 236M | 247M | 260M | 241M | 224M | 207M | 186.78M | 154.96M | 107M | 73M | 46M | 26M | 20M | 21M | 24M | 25M |
| Loan Loss Provision | 18.46M | 18.87M | 24M | 26M | 17M | 23M | 23M | 20M | 14M | 14M | 25.22M | 19.04M | 14M | 28M | 12M | 6M | 18M | -2M | -2M | -1M |
| Non-Interest Income | 84.74M | 86.66M | 98M | 91M | 88.2M | 51M | 89M | 88M | 88.36M | 13M | 80.64M | 80.8M | 79M | 80M | 83M | 82M | 78M | 79M | 88M | 80M |
| Non-Interest Income % | 12.83% | 12.75% | 14.12% | 13.5% | 13.63% | 8.23% | 13.24% | 13.64% | 14% | 2.39% | 13.58% | 14.3% | 15.11% | 16.39% | 19.48% | 22.65% | 23.49% | 24.38% | 25.58% | 24.02% |
| Total Revenue | 660.27M | 679.83M | 694M | 674M | 647.2M | 620M | 672M | 645M | 631.36M | 545M | 594M | 565M | 523M | 488M | 426M | 362M | 332M | 324M | 344M | 333M |
| Revenue Growth % | 2.02% | 9.65% | 3.27% | 4.5% | 2.51% | 13.76% | 13.13% | 14.16% | 20.72% | 11.68% | 39.44% | 56.08% | 57.53% | 50.62% | 23.84% | 8.71% | -0.6% | -8.73% | -3.64% | -6.98% |
| Non-Interest Expense | 257.87M | 273.17M | 243M | 247M | 246M | 248M | 249M | 227M | 237M | 265M | 218M | 212M | 220M | 211M | 195M | 193M | 227M | 182M | 184M | 182M |
| Efficiency Ratio | 39.05% | 40.18% | 35.01% | 36.65% | 38.01% | 40% | 37.05% | 35.19% | 37.54% | 48.62% | 36.7% | 37.52% | 42.07% | 43.24% | 45.77% | 53.31% | 68.37% | 56.17% | 53.49% | 54.65% |
| Operating Income | 173.94M | 165.74M | 190M | 166M | 147.31M | 102M | 140M | 157M | 156M | 59M | 164M | 179M | 182M | 176M | 173M | 137M | 67M | 123M | 138M | 127M |
| Operating Margin % | 26.34% | 24.38% | 27.38% | 24.63% | 22.76% | 16.45% | 20.83% | 24.34% | 24.71% | 10.83% | 27.61% | 31.68% | 34.8% | 36.07% | 40.61% | 37.85% | 20.18% | 37.96% | 40.12% | 38.14% |
| Operating Income Growth % | 18.07% | 62.49% | 35.71% | 5.73% | -5.57% | 72.88% | -14.63% | -12.29% | -14.29% | -66.48% | -5.2% | 30.66% | 171.64% | 43.09% | 25.36% | 7.87% | -41.74% | 44.71% | 38% | 27% |
| Pretax Income | 173.94M | 165.74M | 190M | 166M | 147.31M | 102M | 140M | 157M | 156M | 59M | 164M | 179M | 182M | 176M | 173M | 137M | 67M | 123M | 138M | 127M |
| Pretax Margin % | 26.34% | 24.38% | 27.38% | 24.63% | 22.76% | 16.45% | 20.83% | 24.34% | 24.71% | 10.83% | 27.61% | 31.68% | 34.8% | 36.07% | 40.61% | 37.85% | 20.18% | 37.96% | 40.12% | 38.14% |
| Income Tax | 36.89M | -2.95M | 40M | 36M | 30.8M | -8M | 30M | 34M | 34M | 8M | 19M | 37M | 35M | 37M | 35M | 28M | 14M | 24M | 27M | 25M |
| Effective Tax Rate % | 21.21% | -1.78% | 21.05% | 21.69% | 20.91% | -7.84% | 21.43% | 21.66% | 21.79% | 13.56% | 11.59% | 20.67% | 19.23% | 21.02% | 20.23% | 20.44% | 20.9% | 19.51% | 19.57% | 19.69% |
| Net Income | 137.05M | 168.69M | 150M | 130M | 116.52M | 110M | 110M | 123M | 122M | 51M | 145M | 142M | 147M | 139M | 138M | 109M | 53M | 99M | 111M | 102M |
| Net Margin % | 20.76% | 24.81% | 21.61% | 19.29% | 18% | 17.74% | 16.37% | 19.07% | 19.32% | 9.36% | 24.41% | 25.13% | 28.11% | 28.48% | 32.39% | 30.11% | 15.96% | 30.56% | 32.27% | 30.63% |
| Net Income Growth % | 17.62% | 53.36% | 36.36% | 5.69% | -4.5% | 115.69% | -24.14% | -13.38% | -17.01% | -63.31% | 5.07% | 30.28% | 177.36% | 40.4% | 24.32% | 6.86% | -43.01% | 37.11% | 33.73% | 21.43% |
| Net Income (Continuing) | 137.05M | 168.69M | 150M | 130M | 116.52M | 110M | 110M | 123M | 122M | 51M | 145M | 142M | 147M | 139M | 138M | 109M | 53M | 99M | 111M | 102M |
| EPS (Diluted) | 0.38 | 0.47 | 0.41 | 0.36 | 0.32 | 0.30 | 0.30 | 0.34 | 0.32 | 0.13 | 0.40 | 0.39 | 0.40 | 0.38 | 0.38 | 0.30 | 0.15 | 0.30 | 0.34 | 0.31 |
| EPS Growth % | 18.75% | 56.67% | 36.67% | 5.88% | 0% | 130.77% | -25% | -12.82% | -20% | -65.79% | 5.26% | 30% | 166.67% | 26.67% | 11.76% | -3.23% | -46.43% | 36.36% | 36% | 24% |
| EPS (Basic) | 0.38 | 0.47 | 0.42 | 0.36 | 0.32 | 0.30 | 0.30 | 0.34 | 0.32 | 0.13 | 0.40 | 0.39 | 0.40 | 0.39 | 0.39 | 0.30 | 0.15 | 0.30 | 0.34 | 0.31 |
| Diluted Shares Outstanding | 360.23M | 361.95M | 361.67M | 362.26M | 364.11M | 366.2M | 362.43M | 362.7M | 362.62M | 374.32M | 361.78M | 362.63M | 364.93M | 357.79M | 354.65M | 354.69M | 348.93M | 323.02M | 322.86M | 323.33M |