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F.N.B. Corporation FNB Bank Owned Life Insurance

Bank Owned Life Insurance at other companies

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Other financials

Income statement

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Revenue$450.0M+9.5%
Net income$137.0M+17.1%
EPS (diluted)$0.38+18.8%

Balance sheet

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Cash & equivalents$2.7B+8.8%
Total debt$4.4B-6.6%
Total equity$6.8B+6.0%
Total assets$50.6B+3.3%

Cash flow

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Operating cash flow$151.0M+136%
CapEx$18.0M-14.3%
Free cash flow$133.0M+209%

Valuation

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Market cap$6.49B+23.5%
Enterprise value$8.27B+8.5%
P/E11.1×-0.3×
P/S3.6×+0.3×

Profitability

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Net margin32.4%+3.7pp
FCF margin25.8%+2.3pp

Returns & leverage

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Return on equity8.9%+1.4pp
Debt / equity0.7×-0.1×

Where this comes from

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

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsurance.

The official record: F.N.B. Corporation’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is F.N.B. Corporation's bank owned life insurance?
F.N.B. Corporation (FNB) reported bank owned life insurance of $671M in Q1 2026.
How has F.N.B. Corporation's bank owned life insurance changed year-over-year?
F.N.B. Corporation's bank owned life insurance increased by 1.4% year-over-year, from $662M to $671M.
What is the long-term trend for F.N.B. Corporation's bank owned life insurance?
Over 5 years (2020 to 2025), F.N.B. Corporation's bank owned life insurance has grown at a 4.0% compound annual growth rate (CAGR), from $549M to $667M.
What does bank owned life insurance mean?
This represents the cash surrender value of life insurance policies purchased by the bank on the lives of key employees or officers. The bank acts as the beneficiary, using these policies as a tax-advantaged vehicle to offset the costs of employee benefit plans. It functions as a long-term investment asset that provides stable, non-interest income over time.