F.N.B. Corporation

FNBNYSEFinancial Services● Active

$17.78

+$0.09(+0.48%)

Market Cap$6.3B

P/E Ratio—

52W High$19.14

52W Low$13.54

Avg Volume6.7M

Open$17.71

Beta0.88

Free Cash Flow Financials Revenue

F.N.B. Corporation (FNB) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

FNB · free cash flow · updated Jun 8, 2026

Core FCF metrics

FNB · FCF · TTM · margin & CAGR

Free cash flow was $376.0M for FY2025 (fiscal year ending 2025-12-31), down 25.2% year-over-year The FCF margin was 13.9%. Five-year CAGR stands at +39.2%.

FY2025 Free Cash Flow$376.0M▼ -25.2% YoY

Trailing 12M (TTM)$466.0Mtrailing 4 quarters sum

FCF Margin13.9%$376.0M ÷ revenue

3-Year CAGR-30.6%FY2022 → FY2025

5-Year CAGR+39.2%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

FNB · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$482.0M(106M)$376.0M▼ 25.2%13.9%

FY2024$642.0M(139M)$503.0M▲ +50.1%19.6%

FY2023$423.0M(88M)$335.0M▼ 70.2%15.0%

FY2022$1.22B(95M)$1.12B▲ +137.9%69.8%

FY2021$530.0M(58M)$472.0M▲ +555.6%35.4%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

FNB · P/FCF · FCF yield · FCF per share

F.N.B. Corporation (FNB) trades at a FCF yield of 7.40% and a price-to-free-cash-flow ratio of 13.7x. FCF per share stands at $1.30, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

7.40%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$1.30

TTM FCF ÷ Shares Outstanding

Price / FCF

x13.7

Share Price ÷ FCF per Share

EV / FCF (TTM)

x21.5

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

FNB · cash flow statement · operating / investing / financing

For FY2025, F.N.B. Corporation generated $482.0M in operating cash flow and spent 106M in capital expenditures, yielding $376.0M in free cash flow.

Operating Activities

+$482.0M

Cash from core business operations

2025-12-31

Investing Activities

−$1.49B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$1.08B

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($482.0M) − |CapEx| (106M) = FCF ($376.0M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

FNB vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

F.N.B. CorporationYOU

FNB

$376.0M-25.2%14.0%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

F.N.B. Corporation (FNB) reported free cash flow of $376.0M for FY2025 (fiscal year ending 2025-12-31), down 25.2% year-over-year. The FCF margin was 13.9%.

Based on available data, F.N.B. Corporation has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $1.12B in FY2022. The 5-year CAGR stands at +39.2%.

F.N.B. Corporation's FCF yield is 7.40% and price-to-FCF ratio is 13.7x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

FNB free cash flow · 8 questions

F.N.B. Corporation free cash flow was $376.0M for FY2025, down 25.2% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $466.0M.

FNB free cash flowFNB FCFFNB FCF 2025FNB free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · F.N.B. Corporation · F.N.B. Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026