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F.N.B. Corporation FNB Provision for Credit Losses

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Segments

By segment

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Community Banking$22M-15.4%
Insurance$0
Wealth Management$0

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:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

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
Long-term borrowings24344770
Total Interest Expense212235422471
Net Interest Income366348725671
Provision for credit losses22264043
Net Interest Income After Provision for Credit Losses344322685628
Non-Interest Income
Service charges24234745
Interchange and card transaction fees13142626

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is F.N.B. Corporation's provision for credit losses?
F.N.B. Corporation (FNB) reported provision for credit losses of $22M in Q2 2026.
How has F.N.B. Corporation's provision for credit losses changed year-over-year?
F.N.B. Corporation's provision for credit losses decreased by 15.4% year-over-year, from $26M to $22M.
What is the long-term trend for F.N.B. Corporation's provision for credit losses?
Over 3 years (2022 to 2025), F.N.B. Corporation's provision for credit losses has grown at a 10.5% compound annual growth rate (CAGR), from $64M to $86.4M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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