Stocktoria

FNB CORP/PA/ FNB

NYSE · stock · National Commercial Banks · website · IPO 1986-09-02

FNB CORP/PA/ statistics & valuation

Market cap$6.8B
P / E12.1×
P / B1.0×
P / FCF18.2×
Dividend yield2.54%
Return on equity8.4%
Net cash$597.0M
Enterprise value USD$6.3B
Graham number +32.9%$25.60

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($25.60); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.60% 4.50% 8.10% 7.90% 5.80% 7.90% 7.80% 8.00% 7.40% 8.40% 2016201720182019202020212022202320242025
Shares outstanding
207.8M 303.9M 325.6M 326.1M 325.5M 323.5M 354.1M 362.9M 362.6M 362.0M 2016201720182019202020212022202320242025
Net debt ($)
$168.5M $189.0M $139.0M $741.0M -$288.0M -$2.81B -$581.0M $395.0M $593.0M -$597.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.60% 1.10% 1.10% 0.80% 1.00% 1.00% 1.10% 1.00% 1.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.21× 0.15× 0.14× 0.27× 0.22× 0.13× 0.19× 0.33× 0.48× 0.28× 2016201720182019202020212022202320242025
EPS ($)
$0.78 $0.63 $1.12 $1.16 $0.85 $1.23 $1.22 $1.31 $1.27 $1.56 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

FNB CORP/PA/ trades at about 12.4× earnings — near its 10-year norm (10-year range 10.1×–22.8×, median 11.6×).

10.1× 22.8×

Shaded band = 10-year range (10.1×–22.8×); dot = today's 12.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.1%1.0%1.1%1.0%1.0%0.8%1.1%1.1%0.6%0.8%
Return on equity8.4%7.4%8.0%7.8%7.9%5.8%7.9%8.1%4.5%6.6%
Debt / equity0.28×0.48×0.33×0.19×0.13×0.22×0.27×0.14×0.15×0.21×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.