FNB CORP/PA/(FNB)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
FNB CORP/PA/ (FNB) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores FNB at 65.0/100 on a 32-signal composite quality model, placing it at rank #515 of 2,961 stocks — the top 25% of the AI-ranked universe. FNB scores in the top quartile across profitability (94.0), free cash flow (87.3), institutional flow (82.6). Based on the latest XBRL financial filings (Q2 2026), FNB CORP/PA/ reports quarterly revenue of $463.0M, net income of $149.0M, an operating margin of 40.6%. Top institutional holders of FNB by reported 13-F value include BlackRock, FMR, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. FNB trades on the NYSE exchange and files with the SEC under CIK 37808. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FNB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FNB CORP/PA/ directly from SEC EDGAR.
AI Quality Score
65.0/100
AI Rank
#515
Revenue
$463.0M
Net Income
$149.0M
Free Cash Flow
$241.0M
Operating Margin
40.6%
FNB key financials by period
FNB CORP/PA/ reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$1.8B
$565.0M
37.9%
FY 2024
10-K
$1.6B
$465.0M
34.8%
FY 2023
10-K
$1.6B
$485.0M
37.2%
FY 2022
10-K
$1.4B
$439.0M
38.3%
FY 2021
10-K
$1.2B
$405.0M
40.7%
FY 2020
10-K
$1.2B
$286.0M
28.2%
Institutions holding FNB
Institutional investors reporting a position in FNB CORP/PA/ on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-05 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
FNB posted record quarterly revenue of $462.7M (+5.6% YoY) and diluted EPS of $0.42 (+17% YoY), with net interest margin expanding 6bps to 3.25% and positive operating leverage for another consecutive quarter.
Biggest Revenue Drivers
Net interest income$365.7M+5.3% YoY
Growth in average earning assets and lower interest-bearing deposit and borrowing costs, partially offset by lower yields on earning assets
Non-interest income$97.0M+6.5% YoY
Benefited from a diversified business model, including gains in wealth management, capital markets and bank owned life insurance income
Biggest Revenue Drivers
Total revenue: $462.7M+5.6% YoY
Net interest income$365.7M+5.3% YoY
Growth in average earning assets and lower interest-bearing deposit and borrowing costs, partially offset by lower yields on earning assets
Non-interest income$97.0M+6.5% YoY
Benefited from a diversified business model, including gains in wealth management, capital markets and bank owned life insurance income
Within Non-interest income
Trust services$12.6M+8.5% YoY
Continued strong contributions across the geographic footprint and a $1.1B rise in assets under administration to $15.5B
Capital markets income$8.0M+16.2% YoY
Solid revenue from international banking, customer interest rate derivatives and debt capital markets, plus early investment banking contributions
Bank owned life insurance$5.3M+38.9% YoY
Reflected higher life insurance claims
Largest Expense Items
Salaries and employee benefits$135.6M+4.4% YoY
Normal annual merit increases and strategic hiring to grow market share and support technology initiatives
Equipment$29.0M+3.5% YoY
Part of technology-related investments
Outside services$28.2M+11.6% YoY
Driven by higher third-party legal and consulting costs
Margins: Net interest margin (FTE, non-GAAP) rose 6bps YoY to 3.25% as a 27bps drop in cost of funds outpaced a 20bps decline in earning-asset yields. Efficiency ratio improved to 53.68% from 54.83% a year ago.
Watch Items from the Filing
Unrealized losses on debt securities totaled $99M (AFS) and $210M (HTM) at June 30, 2026, primarily from higher market interest rates since purchase.
Commercial real estate book includes $8.2B of non-owner-occupied loans, 17.3% of which are office loans, though average office loan size is a modest $1.6M.
Non-performing loans and leases rose to $110M (0.31% of total loans) from $105M at year-end 2025, though asset quality remains near historical lows.
Roughly 76% of deposits were FDIC-insured or collateralized as of June 30, 2026, unchanged from December 31, 2025.
FNBPA fully deployed the $11.75M DOJ/North Carolina fair lending settlement subsidy as of January 2026 and is in compliance with all material settlement terms.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
