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F.N.B. Corporation FNB Community Banking — Interest Expense

Other segment segments

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$0
Wealth Management
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Other financials

Income statement

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Revenue$463.0M+5.5%
Net income$149.0M+14.6%
EPS (diluted)$0.42+16.7%

Balance sheet

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Cash & equivalents$2.4B-2.1%
Total debt$5.0B+2.7%
Total equity$6.8B+4.8%
Total assets$51.0B+2.6%

Cash flow

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Operating cash flow$258.0M+110%
CapEx$17.0M-55.3%
Free cash flow$241.0M+184%

Valuation

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Market cap$6.84B+27.9%
Enterprise value$9.43B+21.5%
P/E11.3×-0.1×
P/S3.7×+0.5×

Profitability

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Net margin33%+4.5pp
FCF margin34%+9.2pp

Returns & leverage

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Return on equity9%+1.6pp
Debt / equity0.7×0.0×

Where this comes from

Reported directly by F.N.B. Corporation in its filing.

Tagged under the XBRL concept us-gaap:InterestExpenseOperating.

The source filing: F.N.B. Corporation’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 12:15 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000037808-26-000025
(in millions) / At or for the Three Months Ended June 30, 2026Community Banking / At or for the Three Months Ended June 30, 2026Wealth ManagementInsuranceParent and OtherConsolidated
Interest income$577$1$578
Interest expense2057212
Net interest income (loss)372(6)366
Provision for credit losses2222
Non-interest income:
Service charges2424
Interchange and card transaction fees1313
Trust services1212

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is F.N.B. Corporation's community banking — interest expense?
F.N.B. Corporation (FNB) reported community banking — interest expense of $205M in Q2 2026.
How has F.N.B. Corporation's community banking — interest expense changed year-over-year?
F.N.B. Corporation's community banking — interest expense decreased by 7.2% year-over-year, from $221M to $205M.
What is the long-term trend for F.N.B. Corporation's community banking — interest expense?
Over 4 years (2021 to 2025), F.N.B. Corporation's community banking — interest expense has grown at a 78.9% compound annual growth rate (CAGR), from $86M to $881M.
What does community banking — interest expense mean?
Reflects the total interest costs incurred by the community banking segment on deposits, borrowings, and other interest-bearing liabilities. It serves as a key indicator of the bank's cost of funds and its sensitivity to interest rate fluctuations.

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