FNB, Inc. Financial Ratios — FIDS Stock

Profitability (USD)

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	7.51	8.94	9.9	10.5	11.16	8.45	6.77	8.52	14.72	3.7	9.77
Return on Assets (%)	- -	0.74	0.86	0.96	1.04	1.13	0.82	0.62	0.61	0.84	0.24	0.69
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	6.76	7.94	9.28	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	41.36	36.21	38.33	26.85	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	30.14	22.86	26.09	26.85	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	193.29	63.17	-88.13	-1,327.85	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	30.14	22.86	26.09	26.85	28.11	25.91	24.45	19.84	18.76	22.84	5.42	17.78
Profit Margin (%)	21.06	15.86	17.53	19.95	21.5	20.37	19.27	16.05	15.83	18.74	5.01	14.66
Net Income to Common Margin (%)	21.06	15.86	17.53	19.95	21.5	20.37	19.27	16.05	15.83	18.74	5.01	14.66
Effective Tax Rate (%)	30.15	30.62	32.8	25.69	23.52	21.38	21.17	19.11	15.62	17.94	7.61	17.5
Dvd Payout Ratio (%)	50.17	69.95	50.18	- -	- -	47.64	33.77	45.68	45.7	48.42	182.28	67.32
Sustainable Growth Rate (%)	- -	2.26	4.45	9.9	10.5	5.84	5.59	3.68	4.63	7.6	-3.05	3.19

Credit (USD)

Credit Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	2	2	2	- -	- -	1	1	1	1	1	1	1
ST Debt	2	2	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	1	1	1	1	1	1	1
Total Debt/EBITDA	0.51	0.69	0.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-1.31	-1.6	-1.74	-3.32	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	0.7	1.09	1.02	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-1.79	-2.54	-2.55	-3.32	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.04	9.62	9.67	9.78	10.06	10.18	9.32	9.12	5.17	6.26	6.59	7.5
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	4.86	2.9	2.09	4.01	3.36	3.75	2.55
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	4.63	2.82	2.04	3.86	3.25	3.62	2.49
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.49	0.27	0.19	0.21	0.21	0.25	0.19
Total Debt/Equity (%)	10.4	11.86	13.4	- -	- -	4.86	2.9	2.09	4.01	3.36	3.75	2.55
Total Debt/Capital (%)	9.42	10.6	11.81	- -	- -	4.63	2.82	2.04	3.86	3.25	3.62	2.49
Total Debt/Total Assets (%)	1.04	1.14	1.3	- -	- -	0.49	0.27	0.19	0.21	0.21	0.25	0.19
Net Debt to Equity	-26.59	-27.65	-33.43	-44.05	-29.16	-68.73	-186.3	-97.19	-84.65	-108.1	-78.75	-95.83
Net Debt/Capital (%)	-36.22	-38.22	-50.22	-78.73	-41.16	-190.27	223.37	-1,984.65	-437.1	2,283.21	-315.04	-1,426.74
EBITDA	3	3	3	2	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	3	3	3	2	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	2	2	2	2	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.04	9.62	9.67	9.78	10.06	10.18	9.32	9.12	5.17	6.26	6.59	7.5
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	4.86	2.9	2.09	4.01	3.36	3.75	2.55
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	4.63	2.82	2.04	3.86	3.25	3.62	2.49
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.49	0.27	0.19	0.21	0.21	0.25	0.19
Total Debt/Equity (%)	10.4	11.86	13.4	- -	- -	4.86	2.9	2.09	4.01	3.36	3.75	2.55
Total Debt/Capital (%)	9.42	10.6	11.81	- -	- -	4.63	2.82	2.04	3.86	3.25	3.62	2.49
Total Debt/Total Assets (%)	1.04	1.14	1.3	- -	- -	0.49	0.27	0.19	0.21	0.21	0.25	0.19
CFO/Total Liabilities	1.64	1.88	1.58	- -	- -	1.36	1.66	0.48	1.6	1.28	0.69	0.94
CFO/CapEx	- -	- -	- -	- -	- -	10.48	13.94	3.56	37.13	- -	- -	- -
Altman's Z-Score	0.34	0.31	0.32	0.29	0.23	0.27	0.23	0.21	0.22	0.23	0.24	0.25

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	10.51	10.18	8.23	7.8	21.78	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	34.72	35.86	44.35	46.82	16.76	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	23	21	20	20	16	23	20	13	17	13	16	17
- Cash & Cash Equivalents	6	6	7	7	5	16	48	26	13	19	14	20
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	2	2	2	- -	- -	1	1	1	1	1	1	1
Enterprise Value	19	17	15	13	11	8	-27	-12	5	-5	2	-2
Total Capital	17	17	18	16	17	25	27	27	16	18	19	21
Total Debt/Capital (%)	9.42	10.6	11.81	- -	- -	4.63	2.82	2.04	3.86	3.25	3.62	2.49
Total Debt / EV	0.09	0.11	0.14	- -	- -	0.14	-0.03	-0.05	0.11	-0.11	0.3	-0.28
EV/Sales	2.47	2.31	1.93	1.72	1.43	0.73	- -	- -	0.48	- -	0.17	- -
EV/EBITDA	5.97	6.39	5.03	6.41	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	8.2	10.12	7.4	6.41	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	8.28	6.25	6.54	- -	- -	2.86	- -	- -	1.21	- -	1.3	- -
EV/Free Cash Flow to Firm	8.28	6.25	6.54	- -	- -	2.61	- -	- -	1.18	- -	1.3	- -
Diluted Market Cap	23	21	20	20	16	23	20	13	17	13	16	17
Diluted Enterprise Value	19	17	15	13	11	8	-27	-12	5	-5	2	-2
EV per Share	26.66	24.19	21.93	19.42	16.42	12.07	- -	- -	7.95	- -	3.4	- -
TTM Sales	8	7	8	8	8	11	11	11	11	13	13	13
TTM EBITDA	3	3	3	2	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	2	2	2	2	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	3	2	- -	- -	3	4	1	4	3	2	2
TTM Free Cash Flow to Firm	2	3	2	- -	- -	3	4	2	5	3	2	2

Multiples (USD)

Valuation Multiples API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	10.12	7.82	8.81	- -	- -	7.47	4.49	8.14	3.85	3.93	9.03	7.27
EV/EBIT	8.2	10.12	7.4	6.41	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	19	17	15	13	11	8	-27	-12	5	-5	2	-2
Low Price	30	29	28.5	27.5	21.3	31.31	23.5	19.65	19.75	18	19	20.75
EV/Sales	2.47	2.31	1.93	1.72	1.43	0.73	- -	- -	0.48	- -	0.17	- -
EV/EBITDA	5.97	6.39	5.03	6.41	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	14.34	18.26	14.82	13.1	9.49	10.29	9.64	7.52	9.87	5.56	23.76	- -
Price/Earnings Average	15.27	18.76	15.18	12.76	11.07	9.79	9.36	10.68	10.3	5.91	22.27	- -
Price/Earnings High	17.65	20.52	17.09	13.32	12.92	11.85	14.15	12.56	15.18	7.19	30.2	- -
Price/Earnings Low	13.24	17.5	14.32	12.21	8.6	9.32	7.56	7.48	7.49	4.98	19.13	- -
Price/Book Value	1.48	1.38	1.3	1.29	0.97	0.98	0.78	0.5	1.16	0.75	0.88	0.84
Price/Book Value Average	1.58	1.42	1.33	1.26	1.13	0.93	0.76	0.72	1.21	0.8	0.82	0.71
Price/Book Value High	1.82	1.55	1.5	1.31	1.32	1.13	1.14	0.84	1.79	0.97	1.11	0.84
Price/Book Value Low	1.37	1.32	1.26	1.2	0.88	0.89	0.61	0.5	0.88	0.67	0.71	0.67
Price/Tangible Book Value	1.48	1.38	1.3	1.29	0.97	0.98	0.78	0.5	1.16	0.75	0.88	0.84
Price/Tangible Book Value Average	1.58	1.42	1.33	1.26	1.13	0.93	0.76	0.72	1.21	0.8	0.82	0.71
Price/Tangible Book Value High	1.82	1.55	1.5	1.31	1.32	1.13	1.14	0.84	1.79	0.97	1.11	0.84
Price/Tangible Book Value Low	1.37	1.32	1.26	1.2	0.88	0.89	0.61	0.5	0.88	0.67	0.71	0.67
Price/Sales	3.02	2.9	2.6	2.61	2.04	2.1	1.86	1.21	1.56	1.04	1.19	- -
Price/Sales Average	3.21	2.98	2.66	2.55	2.38	1.99	1.8	1.71	1.63	1.11	1.11	- -
Price/Sales High	3.72	3.25	3	2.66	2.78	2.41	2.73	2.02	2.4	1.35	1.51	- -
Price/Sales Low	2.79	2.78	2.51	2.44	1.85	1.9	1.46	1.2	1.19	0.93	0.96	- -
Price/Cash Flow	10.12	7.82	8.81	- -	- -	8.18	4.82	10.43	3.95	3.93	9.03	- -
Price/Cash Flow Average	10.77	8.04	9.02	- -	- -	7.79	4.67	14.82	4.13	4.18	8.46	- -
Price/Cash Flow High	12.46	8.79	10.15	- -	- -	9.42	7.06	17.42	6.08	5.09	11.47	- -
Price/Cash Flow Low	9.34	7.5	8.51	- -	- -	7.41	3.77	10.38	3	3.52	7.27	- -
Price/Free Cash Flow Average	10.77	8.04	9.02	- -	- -	7.11	4.36	11.57	4.02	4.18	8.46	6.14
Price/Free Cash Flow High	12.46	8.79	10.15	- -	- -	8.6	6.59	13.6	5.92	5.09	11.47	7.27
Price/Free Cash Flow Low	9.34	7.5	8.51	- -	- -	6.77	3.52	8.1	2.92	3.52	7.27	5.8
EV/Sales Average	2.66	2.39	1.99	1.65	1.77	0.63	- -	- -	0.55	- -	0.1	- -
EV/Sales High	3.17	2.67	2.33	1.76	2.16	1.05	- -	- -	1.32	- -	0.49	- -
EV/Sales Low	2.24	2.19	1.84	1.54	1.23	0.54	- -	- -	0.1	- -	- -	- -
EV/EBITDA Average	6.44	6.61	5.2	6.16	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	7.65	7.38	6.07	6.57	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	5.41	6.06	4.8	5.75	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	8.84	10.47	7.64	6.16	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	10.5	11.69	8.91	6.57	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	7.43	9.6	7.06	5.75	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	32.5	30.25	29.5	29.5	23.5	34.55	29.99	19.75	26	20.1	23.6	26
High Price	40	34	34	30	32	39.8	43.99	33	40	26	30	26
Enterprise Value Average	20	17	16	13	14	7	-28	-6	6	-4	1	-5
Enterprise Value High	24	19	18	14	17	12	-18	-3	15	-1	7	-2
Enterprise Value Low	17	16	14	12	10	6	-32	-12	1	-7	-1	-5

Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	10.76	10.45	11.35	11.29	11.52	16.49	16.14	16.37	16.65	19.29	19.84	- -
EBITDA per Share	4.45	3.78	4.35	3.03	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	3.24	2.39	2.96	3.03	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.27	1.66	1.99	2.25	2.48	3.36	3.11	2.63	2.64	3.61	0.99	- -
Basic EPS from Cont Ops	2.27	1.66	1.99	2.25	2.48	3.36	3.11	2.63	2.64	3.61	0.99	- -
Diluted EPS, GAAP	2.27	1.66	1.99	2.25	2.48	3.36	3.11	2.63	2.64	3.61	0.99	2.82
Diluted EPS from Cont Ops	2.27	1.66	1.99	2.25	2.48	3.36	3.11	2.63	2.64	3.61	0.99	2.82
Dividend per Share	1.14	1.16	1	- -	- -	1.6	1.05	1.2	1.2	1.75	1.81	- -
Cash Flow per Share	3.21	3.87	3.35	- -	- -	4.22	6.23	1.89	6.58	5.11	2.61	- -
Free Cash Flow per Basic Share	3.21	3.87	3.35	- -	- -	3.82	5.78	1.36	6.4	5.11	2.61	- -
Cash & Equivalents per Share	8.12	8.66	10.61	10.08	7.08	24.19	71.61	38.08	18.95	28.87	21.21	29.55
Book Value per Share	21.96	21.93	22.65	22.88	24.3	35.2	38.44	39.18	22.39	26.71	26.93	30.83
Tangible Book Value per Share	21.96	21.93	22.65	22.85	24.28	35.2	38.44	39.18	22.39	26.71	26.93	30.83

FNB, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)