F.N.B. Corp
F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, i… Read more
F.N.B. Corp (FNB) - Net Assets
Latest net assets as of December 2025: $6.76 Billion USD
Based on the latest financial reports, F.N.B. Corp (FNB) has net assets worth $6.76 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($50.23 Billion) and total liabilities ($43.47 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $6.76 Billion |
| % of Total Assets | 13.46% |
| Annual Growth Rate | 13.58% |
| 5-Year Change | 31.24% |
| 10-Year Change | 162.83% |
| Growth Volatility | 21.89 |
F.N.B. Corp - Net Assets Trend (1990–2025)
This chart illustrates how F.N.B. Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for F.N.B. Corp (1990–2025)
The table below shows the annual net assets of F.N.B. Corp from 1990 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $6.76 Billion | +7.25% |
| 2024-12-31 | $6.30 Billion | +4.17% |
| 2023-12-31 | $6.05 Billion | +7.02% |
| 2022-12-31 | $5.65 Billion | +9.77% |
| 2021-12-31 | $5.15 Billion | +3.85% |
| 2020-12-31 | $4.96 Billion | +1.56% |
| 2019-12-31 | $4.88 Billion | +5.97% |
| 2018-12-31 | $4.61 Billion | +4.51% |
| 2017-12-31 | $4.41 Billion | +71.46% |
| 2016-12-31 | $2.57 Billion | +22.68% |
| 2015-12-31 | $2.10 Billion | +3.70% |
| 2014-12-31 | $2.02 Billion | +13.92% |
| 2013-12-31 | $1.77 Billion | +26.55% |
| 2012-12-31 | $1.40 Billion | +15.85% |
| 2011-12-31 | $1.21 Billion | +13.51% |
| 2010-12-31 | $1.07 Billion | +2.19% |
| 2009-12-31 | $1.04 Billion | +12.67% |
| 2008-12-31 | $925.98 Million | +70.11% |
| 2007-12-31 | $544.36 Million | +1.30% |
| 2006-12-31 | $537.37 Million | +12.61% |
| 2005-12-31 | $477.20 Million | +47.24% |
| 2004-12-31 | $324.10 Million | -46.60% |
| 2003-12-31 | $606.91 Million | +1.39% |
| 2002-12-31 | $598.60 Million | +4.58% |
| 2001-12-31 | $572.41 Million | +68.53% |
| 2000-12-31 | $339.64 Million | +17.00% |
| 1999-12-31 | $290.30 Million | +2.91% |
| 1998-12-31 | $282.10 Million | +8.37% |
| 1997-12-31 | $260.30 Million | +30.61% |
| 1996-12-31 | $199.30 Million | +38.50% |
| 1995-12-31 | $143.90 Million | +13.67% |
| 1994-12-31 | $126.60 Million | +9.52% |
| 1993-12-31 | $115.60 Million | +6.84% |
| 1992-12-31 | $108.20 Million | +15.35% |
| 1991-12-31 | $93.80 Million | +19.80% |
| 1990-12-31 | $78.30 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to F.N.B. Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 5969.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $2.34 Billion | 34.66% |
| Common Stock | $4.00 Million | 0.06% |
| Other Comprehensive Income | $-63.00 Million | -0.93% |
| Other Components | $4.47 Billion | 66.21% |
| Total Equity | $6.76 Billion | 100.00% |
F.N.B. Corp Competitors by Market Cap
The table below lists competitors of F.N.B. Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SiteOne Landscape Supply Inc
NYSE:SITE
|
$5.64 Billion |
|
King Slide Works Co Ltd
TW:2059
|
$5.64 Billion |
|
Wyndham Hotels & Resorts Inc
NYSE:WH
|
$5.64 Billion |
|
AB Sagax (publ)
PINK:SAGXF
|
$5.64 Billion |
|
NIBE Industrier AB (publ)
PINK:NIABY
|
$5.63 Billion |
|
Norsk Hydro ASA
OTCQX:NHYKF
|
$5.63 Billion |
|
Amer Sports, Inc.
NYSE:AS
|
$5.63 Billion |
|
Symbotic Inc
NASDAQ:SYM
|
$5.62 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in F.N.B. Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 6,302,000,000 to 6,759,000,000, a change of 457,000,000 (7.3%).
- Net income of 565,387,000 contributed positively to equity growth.
- Dividend payments of 174,000,000 reduced retained earnings.
- Share repurchases of 50,000,000 reduced equity.
- Other comprehensive income increased equity by 106,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $565.39 Million | +8.36% |
| Dividends Paid | $174.00 Million | -2.57% |
| Share Repurchases | $50.00 Million | -0.74% |
| Other Comprehensive Income | $106.00 Million | +1.57% |
| Other Changes | $9.61 Million | +0.14% |
| Total Change | $- | 7.25% |
Book Value vs Market Value Analysis
This analysis compares F.N.B. Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.86x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.36x to 0.86x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1990-12-31 | $6.80 | $16.03 | x |
| 1991-12-31 | $7.36 | $16.03 | x |
| 1992-12-31 | $7.66 | $16.03 | x |
| 1993-12-31 | $10.50 | $16.03 | x |
| 1994-12-31 | $11.51 | $16.03 | x |
| 1995-12-31 | $11.83 | $16.03 | x |
| 1996-12-31 | $9.30 | $16.03 | x |
| 1997-12-31 | $11.17 | $16.03 | x |
| 1998-12-31 | $10.78 | $16.03 | x |
| 1999-12-31 | $10.74 | $16.03 | x |
| 2000-12-31 | $10.50 | $16.03 | x |
| 2001-12-31 | $19.78 | $16.03 | x |
| 2002-12-31 | $12.81 | $16.03 | x |
| 2003-12-31 | $12.92 | $16.03 | x |
| 2004-12-31 | $6.77 | $16.03 | x |
| 2005-12-31 | $8.46 | $16.03 | x |
| 2006-12-31 | $9.06 | $16.03 | x |
| 2007-12-31 | $8.98 | $16.03 | x |
| 2008-12-31 | $11.43 | $16.03 | x |
| 2009-12-31 | $10.14 | $16.03 | x |
| 2010-12-31 | $9.33 | $16.03 | x |
| 2011-12-31 | $9.68 | $16.03 | x |
| 2012-12-31 | $9.97 | $16.03 | x |
| 2013-12-31 | $12.00 | $16.03 | x |
| 2014-12-31 | $11.96 | $16.03 | x |
| 2015-12-31 | $11.89 | $16.03 | x |
| 2016-12-31 | $12.38 | $16.03 | x |
| 2017-12-31 | $14.51 | $16.03 | x |
| 2018-12-31 | $14.15 | $16.03 | x |
| 2019-12-31 | $14.98 | $16.03 | x |
| 2020-12-31 | $15.24 | $16.03 | x |
| 2021-12-31 | $15.92 | $16.03 | x |
| 2022-12-31 | $15.97 | $16.03 | x |
| 2023-12-31 | $16.67 | $16.03 | x |
| 2024-12-31 | $17.38 | $16.03 | x |
| 2025-12-31 | $18.67 | $16.03 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently F.N.B. Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.36%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.98%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 7.43x
- Recent ROE (8.36%) is below the historical average (9.27%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1990 | 11.71% | 7.56% | 0.10x | 15.41x | $1.33 Million |
| 1991 | 10.72% | 7.40% | 0.10x | 14.78x | $670.00K |
| 1992 | 6.31% | 4.89% | 0.08x | 15.77x | $-3.97 Million |
| 1993 | 9.12% | 7.42% | 0.08x | 14.68x | $-1.01 Million |
| 1994 | 10.71% | 9.69% | 0.08x | 13.37x | $890.00K |
| 1995 | 12.58% | 12.03% | 0.09x | 11.86x | $3.71 Million |
| 1996 | 10.99% | 9.72% | 0.09x | 12.13x | $1.97 Million |
| 1997 | 13.91% | 14.94% | 0.08x | 11.40x | $10.17 Million |
| 1998 | 11.70% | 11.56% | 0.08x | 12.08x | $4.79 Million |
| 1999 | 13.98% | 12.87% | 0.09x | 12.77x | $11.55 Million |
| 2000 | 12.95% | 12.04% | 0.09x | 11.94x | $10.03 Million |
| 2001 | 9.26% | 9.63% | 0.08x | 11.34x | $-4.26 Million |
| 2002 | 10.58% | 18.52% | 0.05x | 11.84x | $3.48 Million |
| 2003 | 9.69% | 18.08% | 0.04x | 13.69x | $-1.90 Million |
| 2004 | 19.07% | 18.58% | 0.07x | 15.51x | $29.38 Million |
| 2005 | 11.58% | 15.56% | 0.06x | 11.71x | $7.54 Million |
| 2006 | 12.59% | 16.04% | 0.07x | 11.18x | $13.91 Million |
| 2007 | 12.80% | 15.46% | 0.07x | 11.18x | $15.24 Million |
| 2008 | 3.84% | 6.94% | 0.06x | 9.03x | $-57.00 Million |
| 2009 | 3.94% | 8.20% | 0.06x | 8.35x | $-63.22 Million |
| 2010 | 7.00% | 15.39% | 0.05x | 8.40x | $-31.96 Million |
| 2011 | 7.19% | 17.22% | 0.05x | 8.09x | $-33.97 Million |
| 2012 | 7.87% | 19.72% | 0.05x | 8.58x | $-29.80 Million |
| 2013 | 6.64% | 20.59% | 0.04x | 7.64x | $-59.63 Million |
| 2014 | 7.13% | 21.75% | 0.04x | 7.98x | $-58.10 Million |
| 2015 | 7.62% | 22.51% | 0.04x | 8.38x | $-49.97 Million |
| 2016 | 6.65% | 19.43% | 0.04x | 8.49x | $-86.16 Million |
| 2017 | 4.51% | 16.15% | 0.04x | 7.13x | $-241.92 Million |
| 2018 | 8.09% | 25.80% | 0.04x | 7.18x | $-87.80 Million |
| 2019 | 7.93% | 25.11% | 0.04x | 7.09x | $-101.30 Million |
| 2020 | 5.77% | 19.85% | 0.04x | 7.53x | $-209.90 Million |
| 2021 | 7.86% | 30.34% | 0.03x | 7.67x | $-110.00 Million |
| 2022 | 7.77% | 27.30% | 0.04x | 7.73x | $-126.30 Million |
| 2023 | 8.02% | 21.78% | 0.05x | 7.63x | $-120.00 Million |
| 2024 | 7.38% | 18.11% | 0.05x | 7.72x | $-165.20 Million |
| 2025 | 8.36% | 20.98% | 0.05x | 7.43x | $-110.51 Million |
Industry Comparison
This section compares F.N.B. Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $16,924,188,763
- Average return on equity (ROE) among peers: 8.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| F.N.B. Corp (FNB) | $6.76 Billion | 11.71% | 6.43x | $5.64 Billion |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $4.91 Billion |
| ACNB Corporation (ACNB) | $49.44 Million | 14.38% | 8.56x | $474.47 Million |
| Addiko Bank AG (ADBKF) | $851.70 Million | 0.16% | 5.94x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $117.10 Million | 6.09% | 5.76x | $79.30 Million |
| Absa Group Limited (AGRPF) | $85.20 Billion | 14.06% | 10.26x | $6.72 Billion |
| AIB Group plc (AIBGY) | $13.66 Billion | 4.74% | 8.36x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $62.92 Billion | 9.95% | 6.60x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $5.78 Billion | 1.48% | 10.55x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $18.00 Million | 9.85% | 14.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |