F.N.B. (FNB) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), F.N.B. had a P/E ratio of 10.84 (down from 11.58), return on equity of 8.6% (up from 7.5%), debt-to-equity of 0.65 (down from 0.73) and return on assets of 1.1% (up from 1.0%). Its dividend yield was 2.80% with a payout ratio of 30.8%.

F.N.B. Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	10.84	11.58	10.36	10.62	9.74	11.03
Forward P/E	10.39	11.02	9.68	8.21	11.00	10.72
P/S Ratio	3.65	3.51	3.30	3.33	3.14	2.73
P/B Ratio	0.91	0.84	0.82	0.81	0.75	0.62
Price/Tangible Book	1.44	1.41	1.46	1.54	1.41	1.21
Price/FCF	16.29	10.57	14.75	4.08	8.20	42.57
Price/OCF	12.71	8.28	11.68	3.76	7.30	27.12
PEG Ratio	0.80	3.32	1.59	1.37	1.83	1.19
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	8.65%	7.53%	8.29%	8.13%	8.01%	5.81%
Return on Assets (ROA)	1.14%	0.98%	1.08%	1.06%	1.05%	0.80%
Leverage & Solvency Ratios
Debt/Equity	0.65	0.73	0.79	0.51	0.44	0.59
Debt/FCF	11.70	9.11	14.34	2.56	4.79	40.82
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	9.23%	8.75%	9.82%	9.59%	10.47%	9.33%
FCF Yield	6.14%	9.46%	6.78%	24.53%	12.20%	2.35%
Dividend Yield	2.80%	3.25%	3.49%	3.78%	3.96%	6.06%
Payout Ratio	30.80%	38.07%	37.53%	40.77%	40.49%	57.69%
Buyback Yield	0.19%	0.07%	-2.50%	-9.45%	0.62%	0.18%
Total Return	2.99%	3.32%	0.99%	-5.67%	4.57%	6.23%

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About F.N.B. Financial Ratios

What is F.N.B.'s P/E ratio?

F.N.B.'s P/E ratio was 10.84 for fiscal 2025 (period ended Dec 31, 2025). It was 11.58 a year earlier.

What is F.N.B.'s return on equity?

F.N.B.'s return on equity (ROE) was 8.6% for fiscal 2025 (period ended Dec 31, 2025). It was 7.5% a year earlier.

What is F.N.B.'s debt-to-equity ratio?

F.N.B.'s debt-to-equity ratio was 0.65 for fiscal 2025 (period ended Dec 31, 2025). It was 0.73 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition