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

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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$6.75B+26.1%
Enterprise value$9.35B+20.3%
P/E11.2×-0.3×
P/S3.7×+0.4×

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:BankOwnedLifeInsurance.

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 itemJune 30,2026December 31,2025
Premises and equipment, net564568
Goodwill2,4802,480
Core deposit and other intangible assets, net3036
Bank owned life insurance674667
Other assets1,2551,283
Total Assets$50,999$50,229
Liabilities
Deposits:

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is F.N.B. Corporation's bank owned life insurance?
F.N.B. Corporation (FNB) reported bank owned life insurance of $674M in Q2 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 $665M to $674M.
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.

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