What is the 13F Pro Quality Score for FNB?

13F Pro ranks FNB CORP/PA/ (FNB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FNB's current score at https://13fpro.ai/research/FNB (free sign-up required for the full ranking).

Which hedge funds own the most FNB stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of FNB include BlackRock,, FMR, DIMENSIONAL FUND ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/FNB as soon as new 13F filings post.

Where does 13F Pro source FNB data?

All FNB CORP/PA/ fundamentals and ownership data come directly from SEC EDGAR. FNB CORP/PA/ files with the SEC under CIK 37808. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FNB in?

FNB CORP/PA/ (FNB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is FNB research updated on 13F Pro?

FNB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FNB CORP/PA/(FNB)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

FNB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for FNB CORP/PA/ (FNB), a Financials sector company. FNB is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q4 2025), FNB CORP/PA/ reports quarterly revenue of $458.0M, net income of $168.0M, an operating margin of 36.0%. 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.

Revenue

Q4 2025

$458.0M

Net Income

Q4 2025

$168.0M

Free Cash Flow

Q4 2025

$99.0M

Operating Margin

Q4 2025

36.0%

ROIC

Q4 2025

1.9%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+21.5% YoY

$565.0MFY 2025

FY22 $439.0MFY23 $485.0MFY24 $465.0MFY25 $565.0M

EPS (Diluted)

+22.8% YoY

$1.56FY 2025

FY22 $1.22FY23 $1.31FY24 $1.27FY25 $1.56

Total Assets

+3.3% YoY

$50.23BFY 2025

FY22 $43.73BFY23 $46.16BFY24 $48.63BFY25 $50.23B

Total Debt

-8.2% YoY

$3.92BFY 2025

FY22 $2.46BFY23 $4.48BFY24 $4.27BFY25 $3.92B

Op. Cash Flow

-24.9% YoY

$482.0MFY 2025

FY22 $1.22BFY23 $423.0MFY24 $642.0MFY25 $482.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Net Income	$565.0M +21.5%	$465.0M -4.1%	$485.0M +10.5%	$439.0M +8.4%	$405.0M +41.6%	$286.0M
EPS (Diluted)	$1.56 +22.8%	$1.27 -3.1%	$1.31 +7.4%	$1.22 -0.8%	$1.23 +44.7%	$0.85
Total Assets	$50.23B +3.3%	$48.63B +5.3%	$46.16B +5.6%	$43.73B +10.7%	$39.51B +5.8%	$37.35B
Total Debt	$3.92B -8.2%	$4.27B -4.7%	$4.48B +81.6%	$2.46B +11.1%	$2.22B -23.5%	$2.90B
Operating Cash Flow	$482.0M -24.9%	$642.0M +51.8%	$423.0M -65.3%	$1.22B +129.8%	$530.0M +369.0%	$113.0M

AI Insight: FNB Financial Trends

Net income surged 37% year-over-year to $168M in Q4 2025 while total debt fell to a two-year low of $3.9B.

• Net income accelerated from $110M in Q4 2024 to $168M in Q4 2025, a 53% gain over four quarters.

• Total debt declined from $4.5B in Q1 2025 to $3.9B in Q4 2025, while equity rose 5% to $6.8B.

• Operating cash flow stabilized at $128M in Q4 2025 after volatile swings in prior quarters.

⚠ Operating cash flow remains volatile—negative $14M in Q3 2024, swinging to positive $167M in Q3 2025.

AI Insight: FNB Ratio Trends

FNB posted strong Q4 2025 returns with ROE reaching 9.9% and leverage declining to 0.58x D/E, capping a year of improving profitability.

• ROE expanded from 7.0% in Q4 2024 to 9.9% in Q4 2025; ROA grew from 0.9% to 1.3% over same period.

• ROIC recovered to 6.2% in Q4 2025 after dipping to 3.9% in Q4 2024, showing improved capital deployment.

• Debt-to-equity ratio strengthened from 0.70 in Q1 2024 to 0.58 in Q4 2025, reducing financial leverage.

⚠ Q4 2025 ROIC of 6.2% trails Q3 2025 peak of 7.1%, signaling potential softening in capital efficiency.

⚠ ROA volatility persists (range 0.9%–1.3% 2024–2025); monitor consistency of profitability rebound.

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Available Research

13F Pro tracks comprehensive data for FNB CORP/PA/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FNB

BlackRock, Inc.
$745.4M44,581,541 sh
FMR LLC
$400.6M23,957,780 sh
DIMENSIONAL FUND ADVISORS LP
$332.3M19,872,512 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$329.0M19,676,421 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$298.7M17,867,600 sh
VANGUARD CAPITAL MANAGEMENT LLC
$267.8M16,018,694 sh
STATE STREET CORP
$257.7M15,415,495 sh
FIRST TRUST ADVISORS LP
$183.6M10,978,635 sh
TWO SIGMA INVESTMENTS, LP
$124.9M7,470,738 sh
GEODE CAPITAL MANAGEMENT, LLC
$110.0M6,580,033 sh

Fund	Value	Shares
BlackRock, Inc.	$745.4M	44,581,541
FMR LLC	$400.6M	23,957,780
DIMENSIONAL FUND ADVISORS LP	$332.3M	19,872,512
VANGUARD PORTFOLIO MANAGEMENT LLC	$329.0M	19,676,421
FULLER & THALER ASSET MANAGEMENT, INC.	$298.7M	17,867,600
VANGUARD CAPITAL MANAGEMENT LLC	$267.8M	16,018,694
STATE STREET CORP	$257.7M	15,415,495
FIRST TRUST ADVISORS LP	$183.6M	10,978,635
TWO SIGMA INVESTMENTS, LP	$124.9M	7,470,738
GEODE CAPITAL MANAGEMENT, LLC	$110.0M	6,580,033

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Is FNB a good stock to buy?

13F Pro's AI-powered analysis of FNB CORP/PA/ (FNB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FNB are available on the FNB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own FNB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FNB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FNB CORP/PA/'s investment landscape.