F.N.B. Corporation
F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, Wealth Manag…
Banks - Regional
US, Pittsburgh [HQ]
Ratios
15 Sheets · From 2023 to 2009Configuration
Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 100.00 | 100.00 | 98.22 | 97.90 | 97.97 | 98.13 | 97.94 | 99.00 | 100.00 | 99.99 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Profit Margin | 10.81 | 18.51 | 19.59 | 21.58 | 21.86 | 22.81 | 23.89 | 21.01 | 18.13 | 30.86 | 31.96 | 23.51 | 32.74 | 30.42 | 21.78 | |
| Operating Margin | 45.10 | 52.69 | 47.02 | 46.11 | 49.97 | 44.30 | 46.97 | 44.65 | 51.09 | 57.11 | 38.86 | 28.23 | 40.67 | 49.74 | 29.96 | |
|
EPS Growth
|
-27.27 | 106.25 | 6.06 | 12.86 | 2.53 | - - | 7.41 | -9.20 | -20.25 | 82.54 | 1.74 | -26.50 | 44.19 | -0.81 | 7.32 | |
| EPS USD | 32.00 | 66.00 | 70.00 | 79.00 | 81.00 | 81.00 | 87.00 | 79.00 | 63.00 | 115.00 | 117.00 | 86.00 | 124.00 | 123.00 | 132.00 | |
| Return on Assets (ROA) | 0.47 | 0.83 | 0.89 | 0.92 | 0.87 | 0.89 | 0.91 | 0.78 | 0.63 | 1.13 | 1.12 | 0.77 | 1.02 | 1.00 | 1.05 | |
| Return on Equity (ROE) | 3.94 | 7.00 | 7.19 | 7.87 | 6.64 | 7.13 | 7.62 | 6.65 | 4.52 | 8.09 | 7.93 | 5.77 | 7.86 | 7.77 | 8.02 | |
| Return on Invested Capital (ROIC) | 6.24 | 6.98 | 6.09 | 6.19 | 6.13 | 4.29 | 4.62 | 4.49 | 3.59 | 6.07 | 4.10 | 3.64 | 5.49 | 7.03 | 5.27 | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 13.76 | 12.83 | 11.68 | 11.45 | 10.77 | 16.02 | 15.32 | 13.93 | 13.84 | 14.37 | 13.16 | 7.76 | 5.61 | 5.64 | 9.70 | |
| Debt/Equity | 114.90 | 107.84 | 94.47 | 98.18 | 82.30 | 127.78 | 128.35 | 118.31 | 98.58 | 103.21 | 93.30 | 58.46 | 43.07 | 43.61 | 74.00 | |
| Debt/EBITDA | 449.91 | 464.47 | 432.23 | 464.18 | 448.89 | 793.06 | 683.27 | 713.55 | 667.94 | 534.17 | 815.91 | 424.83 | -247.47 | 108.09 | 14,421.36 | |
|
Debt/Capitalization
|
53.47 | 51.89 | 48.58 | 49.54 | 45.15 | 56.10 | 56.21 | 54.19 | 49.64 | 50.79 | 48.27 | 36.89 | 30.10 | 30.36 | 42.53 | |
| Long-Term Debt/Capitalization | 33.67 | 27.09 | 19.44 | 17.31 | 10.99 | 21.13 | 23.43 | 17.34 | 13.16 | 11.98 | 21.53 | 18.09 | 11.69 | 16.20 | 24.57 | |
| Interest Debt per Share USD | 12.87 | 10.87 | 9.81 | 10.32 | 10.35 | 15.67 | 15.72 | 15.09 | 14.77 | 15.47 | 15.04 | 9.61 | 7.24 | 7.52 | 12.86 | |
| Debt Growth | -7.21 | -4.09 | -0.56 | 20.41 | 6.09 | 76.88 | 4.15 | 13.09 | 42.86 | 9.42 | -4.21 | -36.37 | -23.49 | 11.14 | 81.62 | |
| Liquidity | ||||||||||||||||
| Current Ratio | 976.24 | 876.35 | 880.92 | 820.85 | 826.33 | 1,474.54 | 1,215.80 | 1,554.35 | 994.88 | 1,069.19 | 134.33 | 295.51 | 482.68 | 360.71 | 5.73 | |
| Quick Ratio | 153.31 | 115.41 | 99.79 | 142.35 | 122.02 | 243.81 | 213.23 | 273.17 | 153.64 | 188.43 | 134.33 | 295.51 | 482.68 | 398.54 | 19.64 | |
| Cash Ratio | 46.41 | 17.46 | 24.55 | 22.07 | 17.24 | 35.05 | 44.87 | 36.23 | 20.98 | 21.88 | 18.63 | 76.66 | 227.41 | 122.01 | 5.72 | |
| Operating Cash Flow Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | -8.26 | -6.87 | -6.65 | -6.74 | -4.16 | - - | -0.04 | - - | - - | - - | - - | - - | |
| Receivables Turnover | - - | - - | - - | 393.21 | 339.09 | 355.11 | 326.70 | 413.59 | 412.00 | 323.90 | 280.44 | 250.85 | 249.88 | 278.10 | 385.43 | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
4.37 | 4.50 | 4.54 | 4.26 | 3.97 | 3.92 | 3.81 | 3.72 | 3.50 | 3.65 | 3.50 | 3.26 | 3.13 | 3.30 | 4.82 | |
| Fixed Turnover | 322.60 | 347.81 | 341.72 | 364.54 | 349.79 | 374.19 | 420.08 | 333.37 | 326.52 | 366.10 | 363.82 | 366.46 | 358.52 | 334.10 | 483.08 | |
| Coverage | ||||||||||||||||
| Interest Coverage | 141.57 | 239.47 | 280.01 | 399.51 | 607.20 | 655.39 | 646.16 | 538.36 | 419.32 | 290.27 | 142.77 | 164.96 | 512.14 | 434.64 | 413.86 | |
| Asset Coverage | 700 | 700 | 800 | 800 | 900 | 600 | 600 | 700 | 700 | 700 | 700 | 1,200 | 1,700 | 1,700 | 400 | |
| Cash Flow Coverage (CFGR) | 9.66 | 14.22 | 25.33 | 39.52 | 26.44 | 17.30 | 8.31 | 9.62 | 6.42 | 12.85 | 5.68 | 3.90 | 23.90 | 49.41 | 9.45 | |
| EBITDA Coverage | 100 | 200 | 200 | 400 | 600 | 600 | 600 | 500 | 400 | 300 | 100 | 100 | 500 | 400 | - - | |
| Dividend Coverage | - - | -100 | -100 | -100 | -100 | -100 | -100 | -100 | -100 | - - | -200 | -100 | -200 | -200 | -200 | |
| Time Interest Earned (TIE) | 7,100 | 7,800 | 6,800 | 10,000 | 8,300 | 7,900 | -100 | 7,900 | 9,500 | -200 | -100 | -100 | -100 | 9,000 | 800 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 7.52 | 4.94 | 4.32 | 4.58 | 3.88 | 4.01 | 3.98 | 3.32 | 3.59 | - - | 4.00 | 5.37 | 4.23 | 3.92 | 3.66 | |
| Earnings Yield | 5.90 | 6.67 | 6.20 | 7.47 | 6.42 | 6.46 | 6.87 | 5.17 | 4.75 | 11.74 | 9.38 | 9.31 | 10.44 | 9.61 | 9.76 | |
|
Price/Earnings (P/E)
|
1,694.24 | 1,498.59 | 1,613.03 | 1,338.30 | 1,558.02 | 1,549.10 | 1,456.10 | 1,933.64 | 2,105.10 | 852.02 | 1,065.65 | 1,074.13 | 957.79 | 1,040.36 | 1,024.21 | |
| Price/Earnings Growth (PEG) | -62.12 | 14.10 | 266.15 | 104.09 | 615.42 | - - | 196.57 | -210.28 | -103.94 | 10.32 | 612.75 | -40.54 | 21.68 | -1,290.05 | 139.98 | |
|
Price/Book (P/B)
|
66.76 | 104.93 | 116.02 | 105.39 | 103.44 | 110.39 | 110.90 | 128.50 | 95.11 | 68.94 | 84.51 | 61.95 | 75.32 | 80.79 | 82.11 | |
| Price/Tangible Book (P/TB) | 66.76 | 104.93 | 116.02 | 105.39 | 103.44 | 110.39 | 110.90 | 128.50 | 95.11 | 68.94 | 84.51 | 61.95 | 75.32 | 80.79 | 82.11 | |
| Price/Sales (P/S) | 183.10 | 277.39 | 315.96 | 288.77 | 340.66 | 353.38 | 347.86 | 406.31 | 381.61 | 262.95 | 340.63 | 252.50 | 313.61 | 316.43 | 223.06 | |
|
Price/Cash Flow (P/CF)
|
601.46 | 684.25 | 484.84 | 271.61 | 475.39 | 499.41 | 1,040.21 | 1,128.91 | 1,503.53 | 519.94 | 1,593.33 | 2,718.59 | 731.90 | 374.97 | 1,174.34 | |
| Price/Free CF (P/FCF) | 646.07 | 727.92 | 515.29 | 278.14 | 494.45 | 523.11 | 1,087.52 | 1,415.89 | 1,888.67 | 551.53 | 1,937.43 | 4,266.67 | 821.84 | 406.70 | 1,482.82 | |
| Price/Operating CF (P/OCF) | 601.46 | 684.25 | 484.84 | 271.61 | 475.39 | 499.41 | 1,040.21 | 1,128.91 | 1,503.53 | 519.94 | 1,593.33 | 2,718.59 | 731.90 | 374.97 | 1,174.34 |