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F.N.B. Corporation FNB Community Banking — Service charges

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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 fnb:ServiceCharges.

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
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Provision for credit losses22264043
Net Interest Income After Provision for Credit Losses344322685628
Non-Interest Income
Service charges24234745
Interchange and card transaction fees13142626
Trust services12112524
Insurance commissions and fees651211
Securities commissions and fees991818

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is F.N.B. Corporation's community banking — service charges?
F.N.B. Corporation (FNB) reported community banking — service charges of $24M in Q2 2026.
How has F.N.B. Corporation's community banking — service charges changed year-over-year?
F.N.B. Corporation's community banking — service charges increased by 4.3% year-over-year, from $23M to $24M.
What is the long-term trend for F.N.B. Corporation's community banking — service charges?
Over 3 years (2022 to 2025), F.N.B. Corporation's community banking — service charges has grown at a 2.3% compound annual growth rate (CAGR), from $86M to $92M.
What does community banking — service charges mean?
Revenue derived from fees charged to customers for deposit account maintenance, overdrafts, and other banking services. It represents a stable, non-interest income stream that helps diversify the segment's revenue base.

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