Financial Statements — FNB
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 2.38 | 2.66 | 2.41 | 2.43 | 2.44 | 2.08 | 1.88 | 1.49 | 1.64 | 1.70 | 1.72 | 2.28 | 2.03 | 3.86 | 4.11 | 2.94 | 2.67 |
| Net Loans & Leases | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 25.17 |
| Total Assets | 51.00 | 50.63 | 49.89 | 49.73 | 49.02 | 47.98 | 47.72 | 45.90 | 45.50 | 44.78 | 44.15 | 42.59 | 41.68 | 42.02 | 39.36 | 38.41 | 38.48 |
| Total Deposits | 38.68 | 38.90 | 38.44 | 37.75 | 37.24 | 36.77 | 34.99 | 34.74 | 34.62 | 33.83 | 34.19 | 33.89 | 33.48 | 33.90 | 31.44 | 30.47 | 30.35 |
| Long-term Debt | 2.00 | 2.00 | 2.10 | 2.69 | 2.51 | 2.52 | 2.02 | 2.12 | 1.97 | 1.98 | 1.30 | 1.06 | 0.71 | 0.71 | 0.89 | 0.89 | 1.09 |
| Total Liabilities | 44.16 | 43.83 | 43.25 | 43.20 | 42.60 | 41.73 | 41.63 | 39.89 | 39.60 | 38.96 | 38.36 | 37.18 | 36.24 | 36.58 | 34.26 | 33.37 | 33.50 |
| Retained Earnings | 2.54 | 2.44 | 2.22 | 2.11 | 2.03 | 1.89 | 1.82 | 1.74 | 1.66 | 1.56 | 1.47 | 1.27 | 1.18 | 1.12 | 1.05 | 0.98 | 0.92 |
| Total Stockholder Equity | 6.84 | 6.80 | 6.64 | 6.52 | 6.42 | 6.25 | 6.09 | 6.01 | 5.89 | 5.82 | 5.79 | 5.41 | 5.44 | 5.44 | 5.10 | 5.04 | 4.97 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 578.00 | 569.00 | 588.00 | 596.00 | 583.00 | 559.00 | 569.00 | 583.00 | 557.00 | 543.00 | 532.00 | 513.00 | 484.00 | 444.00 | 408.00 | 343.00 | 280.00 | 254.00 | 245.00 | 256.00 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | 224.00 | 207.00 | 187.00 | 155.00 | 107.00 | 73.00 | 46.00 | 26.00 | 20.00 | 21.00 | 24.00 |
| Net Interest Income | 366.00 | 359.00 | 366.00 | 359.00 | 348.00 | 323.00 | 322.00 | 323.00 | 316.00 | 319.00 | 325.00 | 326.00 | 329.00 | 337.00 | 335.00 | 297.00 | 254.00 | 234.00 | 224.00 | 232.00 |
| Provision for Credit Losses | -- | -- | -- | -- | -- | -- | -- | -- | -- | 14.00 | 13.90 | 25.00 | 19.00 | 14.10 | 28.20 | 12.00 | 6.00 | 18.00 | (2.00) | (2.00) |
| Non-interest Income | 97.00 | 91.00 | 92.00 | 98.00 | 91.00 | 88.00 | 51.00 | 89.00 | 88.00 | 88.00 | 13.00 | 81.00 | 81.00 | 79.00 | 80.00 | 83.00 | 82.00 | 78.00 | 79.00 | 88.00 |
| Non-interest Expense | 253.00 | 258.00 | 274.00 | 243.00 | 247.00 | 246.00 | 248.00 | 249.00 | 227.00 | 237.00 | 265.00 | 218.00 | 212.00 | 220.00 | 211.00 | 195.00 | 193.00 | 227.00 | 182.00 | 184.00 |
| Pretax Income | 188.00 | 174.00 | 165.00 | 190.00 | 166.00 | 148.00 | 102.00 | 140.00 | 157.00 | 156.00 | 59.00 | 164.00 | 179.00 | 182.00 | 176.00 | 173.00 | 137.00 | 67.00 | 123.00 | 138.00 |
| Tax Provision | 39.00 | 37.00 | (3.00) | 40.00 | 36.00 | 31.00 | (8.00) | 30.00 | 34.00 | 34.00 | 8.00 | 19.00 | 37.00 | 35.00 | 37.00 | 35.00 | 28.00 | 14.00 | 24.00 | 27.00 |
| Net Income | 149.00 | 137.00 | 168.00 | 150.00 | 130.00 | 117.00 | 110.00 | 110.00 | 123.00 | 122.00 | 51.00 | 145.00 | 142.00 | 147.00 | 139.00 | 138.00 | 109.00 | 53.00 | 99.00 | 111.00 |
| Basic EPS | 0.42 | 0.38 | 0.48 | 0.41 | 0.36 | 0.32 | 0.31 | 0.30 | 0.34 | 0.32 | 0.13 | 0.40 | 0.39 | 0.40 | 0.39 | 0.39 | 0.30 | 0.15 | 0.31 | 0.34 |
| Diluted EPS | 0.42 | 0.38 | 0.47 | 0.41 | 0.36 | 0.32 | 0.31 | 0.30 | 0.34 | 0.32 | 0.12 | 0.40 | 0.39 | 0.40 | 0.39 | 0.38 | 0.30 | 0.15 | 0.30 | 0.34 |
Cash Flow Statement
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 0.26 | 0.15 | 0.13 | 0.17 | 0.12 | 0.06 | 0.33 | (0.01) | 0.09 | 0.25 | (0.02) | 0.29 | 0.13 | 0.02 | 0.18 | 0.35 | 0.33 | 0.36 | 0.15 | 0.08 |
| Capital Expenditures | 0.02 | 0.02 | 0.03 | 0.02 | 0.04 | 0.02 | 0.05 | 0.03 | 0.03 | 0.03 | 0.02 | 0.01 | 0.03 | 0.03 | 0.02 | 0.03 | 0.02 | 0.03 | 0.02 | 0.01 |
| Free Cash Flow* | 0.24 | 0.13 | 0.10 | 0.15 | 0.09 | 0.04 | 0.28 | (0.05) | 0.06 | 0.22 | (0.04) | 0.28 | 0.10 | (0.01) | 0.16 | 0.32 | 0.31 | 0.33 | 0.13 | 0.07 |
| Investing Cash Flow | (0.75) | (0.30) | (0.21) | (0.26) | (0.68) | (0.33) | (0.47) | 0.03 | (1.34) | 0.08 | (0.54) | (0.77) | (0.64) | (0.32) | (0.64) | (0.82) | (1.64) | 0.05 | (0.78) | 0.24 |
| Financing Cash Flow | 0.21 | 0.31 | 0.17 | 0.08 | 0.54 | 0.30 | 0.49 | 0.18 | 1.65 | (0.41) | 0.50 | 0.41 | 0.49 | 0.35 | (0.14) | 0.72 | (0.52) | (0.05) | 0.01 | 0.84 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Dividends Per Share | 0.13 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 |
