F.N.B. Corporation FNB Commissions and Fees Revenue

Segments

Wealth Management$9M0.0%

Community Banking$0—

Insurance$0—

Revenue$450.0M+9.5%

Net income$137.0M+17.1%

EPS (diluted)$0.38+18.8%

Cash & equivalents$2.7B+8.8%

Total debt$4.4B-6.6%

Total equity$6.8B+6.0%

Total assets$50.6B+3.3%

Operating cash flow$151.0M+136%

CapEx$18.0M-14.3%

Free cash flow$133.0M+209%

Market cap$6.49B+23.5%

Enterprise value$8.27B+8.5%

P/E11.1×-0.3×

P/S3.6×+0.3×

Net margin32.4%+3.7pp

FCF margin25.8%+2.3pp

Return on equity8.9%+1.4pp

Debt / equity0.7×-0.1×