FNB CORP/PA/ (FNB) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	2.7B	2.7B	2.6B	2.2B	1.6B
Cost of Revenue	942.1M	1.0B	1.1B	728.0M	229.0M
Gross Profit	1.8B	1.7B	1.5B	1.5B	1.4B
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	773.6M	715.8M	566.0M	540.0M	462.0M
General & Admin Expense	765.4M	715.8M	545.0M	523.0M	446.0M
Selling & Marketing Expense	8.3M	—	21.0M	17.0M	16.0M
Other Expenses	237.6M	294.0M	395.0M	375.0M	364.0M
Total Operating Expenses	1.0B	1.0B	961.0M	915.0M	826.0M
Cost and Expenses	2.0B	2.0B	2.0B	1.6B	1.1B
Operating Income (EBIT)	750.3M	669.4M	555.0M	584.0M	553.0M
Non-Operating
Interest Income	2.3B	2.3B	2.3B	2.0B	1.3B
Interest Expense	863.8M	929.8M	971.7M	656.0M	165.0M
Net Interest Income	1.5B	1.4B	1.3B	1.3B	1.1B
Other Non-Op Income/Expense	(30.0M)	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	720.3M	669.4M	555.0M	584.0M	553.0M
Income Tax Expense	113.0M	104.0M	90.0M	99.0M	114.0M
Bottom Line
Net Income	607.3M	565.4M	465.0M	485.0M	439.0M
Earnings from Cont. Ops	607.3M	565.4M	465.0M	485.0M	439.0M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	607.3M	565.4M	459.0M	477.0M	431.0M
Per Share
Basic EPS	$1.70	$1.57	$1.27	$1.32	$1.23
Diluted EPS	$1.70	$1.56	$1.27	$1.31	$1.22
Revenue Per Share	$7.61	$7.50	$7.11	$6.17	$4.59
Shares
Basic Shares Outstanding	355.5M	359.1M	361.3M	361.2M	350.0M
Diluted Shares Outstanding	355.0M	362.0M	362.6M	362.9M	354.1M
Profitability Metrics
EBITDA	820.3M	746.4M	622.0M	662.0M	626.0M
D&A	70.0M	77.0M	67.0M	78.0M	73.0M
EBIT	750.3M	669.4M	555.0M	584.0M	553.0M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026