F.N.B. Corporation Financial Ratios — FNB Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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 (%)	7.65	8.45	7.68	7.58	7.77	7.32	5.65	8.29	8.17	5.77	8.02	8.14	8.3	7.5	8.65
Return on Assets (%)	0.93	1.01	0.92	0.97	0.95	0.87	0.75	1.16	1.14	0.79	1.05	1.05	1.08	0.98	1.14
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.2	6.36	5.83	6.47	6.65	7.5	8.11	9.02	3.72	-0.24	0.81	5.06	4.96	4.2	4.36
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.63	30.79	30.8	33.35	34.76	30.26	32.42	37.42	38.89	27.82	40.66	38.32	37.17	34.77	37.9
Profit Margin (%)	20.2	22.05	22.32	23.25	24.17	21.03	18.12	30.88	31.96	23.2	32.74	30.42	30.87	29.14	32.01
Net Income to Common Margin (%)	20.2	22.05	22.32	21.9	22.95	20.05	17.4	30.22	31.3	22.55	32.09	29.87	30.36	28.76	32.01
Effective Tax Rate (%)	26.88	28.39	27.53	30.3	30.48	30.49	44.1	17.48	17.83	16.62	19.48	20.61	16.95	16.22	15.55
Dvd Payout Ratio (%)	69.72	61.27	60.48	59.85	55.74	62.58	74.87	43.01	41.42	56.47	39.29	39.68	36.48	37.25	30.8
Sustainable Growth Rate (%)	2.32	3.27	3.03	3.04	3.44	2.74	1.42	4.73	4.79	2.51	4.87	4.91	5.27	4.7	5.99

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	437	429	349	1,490	1,856	1,692	3,091	2,970	3,703	2,496	1,842	2,148	3,984	3,733	3,082
ST Debt	10	- -	- -	820	1,090	1,025	2,285	2,230	2,255	1,280	1,030	930	1,900	585	1,055
LT Debt	427	429	349	670	766	667	806	740	1,448	1,216	812	1,218	2,084	3,148	2,027
Total Debt/EBITDA	19.47	13.47	11.33	37.15	42.22	27.74	34.73	27.25	82.29	-832	184.2	29.42	51.08	55.72	40.03
Net Debt/EBITDA	10.15	5.96	4.38	29.99	31.09	21.66	29.35	22.77	68.98	-371	-165.1	6.49	30.87	19.61	7.58
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.37	11.66	12.29	11.87	11.33	11.28	13.69	13.6	13.8	12.99	12.76	12.68	12.88	12.96	13.46
Long-Term Debt/Equity (%)	35.25	30.58	19.65	33.16	36.53	25.95	18.28	16.06	29.65	24.52	15.77	21.55	34.45	49.95	29.99
Long-Term Debt/Capital (%)	25.91	23.42	16.42	19.09	19.37	15.65	10.75	9.77	16.86	16.31	11.61	15.61	20.77	31.37	20.6
Long-Term Debt/Total Assets (%)	4.36	3.57	2.57	4.16	4.36	3.06	2.57	2.24	4.18	3.26	2.06	2.79	4.51	6.47	4.04
Total Debt/Equity (%)	36.08	30.58	19.65	73.73	88.52	65.81	70.11	64.45	75.83	50.33	35.77	38	65.85	59.24	45.6
Total Debt/Capital (%)	26.51	23.42	16.42	42.44	46.96	39.69	41.21	39.19	43.13	33.48	26.34	27.53	39.71	37.2	31.32
Total Debt/Total Assets (%)	4.46	3.57	2.57	9.24	10.57	7.75	9.84	8.97	10.7	6.68	4.66	4.91	8.63	7.68	6.14
Net Debt to Equity	18.81	13.53	7.59	59.51	65.19	51.37	59.24	53.86	63.57	22.44	-32.06	8.38	39.8	20.85	8.64
Net Debt/Capital (%)	15.83	11.92	7.05	37.31	39.46	33.94	37.2	35.01	38.86	18.33	-47.18	7.74	28.47	17.25	7.95
EBITDA	22	32	31	40	44	61	89	109	45	-3	10	73	78	67	77
EBITDA-CapEx	5	19	16	20	34	1	32	74	-1	-44	-48	-22	-10	-72	-29
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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	12.37	11.66	12.29	11.87	11.33	11.28	13.69	13.6	13.8	12.99	12.76	12.68	12.88	12.96	13.46
Long-Term Debt/Equity (%)	35.25	30.58	19.65	33.16	36.53	25.95	18.28	16.06	29.65	24.52	15.77	21.55	34.45	49.95	29.99
Long-Term Debt/Capital (%)	25.91	23.42	16.42	19.09	19.37	15.65	10.75	9.77	16.86	16.31	11.61	15.61	20.77	31.37	20.6
Long-Term Debt/Total Assets (%)	4.36	3.57	2.57	4.16	4.36	3.06	2.57	2.24	4.18	3.26	2.06	2.79	4.51	6.47	4.04
Total Debt/Equity (%)	36.08	30.58	19.65	73.73	88.52	65.81	70.11	64.45	75.83	50.33	35.77	38	65.85	59.24	45.6
Total Debt/Capital (%)	26.51	23.42	16.42	42.44	46.96	39.69	41.21	39.19	43.13	33.48	26.34	27.53	39.71	37.2	31.32
Total Debt/Total Assets (%)	4.46	3.57	2.57	9.24	10.57	7.75	9.84	8.97	10.7	6.68	4.66	4.91	8.63	7.68	6.14
CFO/Total Liabilities	3.38	5.12	2.94	3.17	1.45	1.52	1.03	2.14	0.87	0.35	1.54	3.2	1.05	1.52	1.11
CFO/CapEx	16.92	42.57	23.26	22.08	22.98	4.88	4.89	17.46	5.63	2.76	9.14	12.82	4.81	4.62	4.55
Altman's Z-Score	0.15	0.14	0.16	0.16	0.15	0.17	0.15	0.13	0.16	0.13	0.14	0.16	0.16	0.17	0.19

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

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

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	1,439	1,486	2,006	2,318	2,340	3,383	4,470	3,191	4,128	3,055	3,869	4,704	4,941	5,315	6,110
- Cash & Cash Equivalents	209	239	214	287	489	371	479	488	599	1,383	3,493	1,674	1,576	2,419	2,498
+ Preferred Equity and Hybrid Capital	- -	- -	107	107	107	107	107	107	107	107	107	107	107	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	437	429	349	1,490	1,856	1,692	3,091	2,970	3,703	2,496	1,842	2,148	3,984	3,733	3,082
Enterprise Value	1,026	503	1,106	2,093	2,183	2,579	4,424	2,439	4,050	812	-1,101	2,010	4,202	3,163	3,509
Total Capital	1,647	1,831	2,123	3,512	3,952	4,264	7,500	7,578	8,586	7,455	6,992	7,801	10,034	10,035	9,841
Total Debt/Capital (%)	26.51	23.42	16.42	42.44	46.96	39.69	41.21	39.19	43.13	33.48	26.34	27.53	39.71	37.2	31.32
Total Debt / EV	0.43	0.85	0.32	0.71	0.85	0.66	0.7	1.22	0.91	3.07	-1.67	1.07	0.95	1.18	0.88
EV/Sales	2.38	1	2.1	3.38	3.3	3.17	4.03	2.02	3.34	0.66	- -	1.39	2.67	1.98	1.99
EV/EBITDA	45.75	15.81	35.95	52.18	49.68	42.28	49.71	22.38	89.99	- -	- -	27.54	53.87	47.21	45.57
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	3.54	0.92	3.2	4.69	9.77	8.8	15.86	3.99	15.64	7.19	- -	1.65	9.93	4.93	7.28
EV/Free Cash Flow to Firm	3.35	0.9	3.06	4.48	9.36	7.31	13.17	3.78	13.28	5.28	- -	1.53	8.22	4.05	5.97
Diluted Market Cap	1,414	1,494	1,865	2,252	2,352	3,331	4,199	3,204	4,141	3,092	3,924	4,620	4,997	5,360	6,189
Diluted Enterprise Value	1,642	1,683	2,107	3,562	3,826	4,758	6,918	5,793	7,352	4,312	2,380	5,201	7,512	6,674	6,773
EV per Share	8.06	3.6	6.96	12.03	12.44	12.22	13.68	7.52	12.46	2.53	- -	5.58	11.71	8.8	9.82
TTM Sales	431	501	528	620	661	813	1,098	1,208	1,211	1,233	1,237	1,443	1,571	1,596	1,765
TTM EBITDA	22	32	31	40	44	61	89	109	45	-3	10	73	78	67	77
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	290	544	346	447	223	293	279	611	259	113	530	1,218	423	642	482
TTM Free Cash Flow to Firm	307	557	361	467	233	353	336	646	305	154	588	1,313	511	781	588

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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	4.61	2.68	5.17	4.82	10.09	9.43	12.5	4.96	13.58	20.08	6.67	3.52	9.78	6.86	10.53
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	1,026	503	1,106	2,093	2,183	2,579	4,424	2,439	4,050	812	-1,101	2,010	4,202	3,163	3,509
Low Price	7.87	9.89	10.7	11.38	11.82	11.16	12.02	9.35	9.69	5.05	9.29	10.48	10.09	12.49	10.88
EV/Sales	2.38	1	2.1	3.38	3.3	3.17	4.03	2.02	3.34	0.66	- -	1.39	2.67	1.98	1.99
EV/EBITDA	45.75	15.81	35.95	52.18	49.68	42.28	49.71	22.38	89.99	- -	- -	27.54	53.87	47.21	45.57
Price/Earnings	16.13	13.38	15.58	16.44	15.33	20.27	21.96	8.7	10.86	11.05	9.77	10.61	10.43	11.65	10.9
Price/Earnings Average	14.36	14.19	14.86	15.45	15.32	16.44	22.44	11.62	9.96	9.84	9.7	10.18	9.13	11.15	9.65
Price/Earnings High	16.4	15.83	16.48	16.91	17.01	20.78	25.97	13.2	11.06	14.84	11.14	11.96	11.12	13.95	11.43
Price/Earnings Low	11.22	12.46	13.21	14.05	13.59	14.11	19.1	8.27	8.29	5.87	7.48	8.52	7.64	9.84	6.93
Price/Book Value	1.19	1.06	1.2	1.21	1.18	1.37	1.04	0.71	0.86	0.63	0.77	0.85	0.83	0.84	0.9
Price/Book Value Average	1.06	1.12	1.15	1.14	1.18	1.11	1.06	0.95	0.79	0.56	0.76	0.81	0.73	0.81	0.8
Price/Book Value High	1.21	1.25	1.27	1.25	1.31	1.41	1.23	1.08	0.88	0.85	0.87	0.96	0.89	1.01	0.95
Price/Book Value Low	0.83	0.99	1.02	1.03	1.04	0.96	0.9	0.67	0.66	0.33	0.59	0.68	0.61	0.71	0.58
Price/Tangible Book Value	2.36	2.16	2.34	2.24	2.11	2.45	2.28	1.47	1.69	1.2	1.41	1.58	1.45	1.41	1.44
Price/Tangible Book Value Average	2.1	2.29	2.24	2.1	2.11	1.99	2.33	1.97	1.55	1.07	1.4	1.51	1.27	1.35	1.27
Price/Tangible Book Value High	2.4	2.55	2.48	2.3	2.34	2.52	2.7	2.23	1.72	1.62	1.61	1.78	1.55	1.69	1.51
Price/Tangible Book Value Low	1.64	2.01	1.99	1.91	1.87	1.71	1.98	1.4	1.29	0.64	1.08	1.27	1.07	1.19	0.92
Price/Sales	3.26	2.95	3.48	3.6	3.52	4.06	3.82	2.63	3.4	2.49	3.14	3.17	3.17	3.35	3.49
Price/Sales Average	2.9	3.13	3.32	3.38	3.52	3.3	3.9	3.51	3.12	2.22	3.11	3.04	2.77	3.21	3.09
Price/Sales High	3.31	3.49	3.68	3.7	3.9	4.17	4.52	3.99	3.46	3.34	3.58	3.57	3.38	4.01	3.66
Price/Sales Low	2.27	2.75	2.95	3.08	3.12	2.83	3.32	2.5	2.59	1.32	2.4	2.55	2.32	2.83	2.22
Price/Cash Flow	4.85	2.72	5.3	4.99	10.4	11.28	15.03	5.2	15.89	27.17	7.32	3.75	11.76	8.33	12.78
Price/Cash Flow Average	4.32	2.88	5.06	4.69	10.39	9.14	15.36	6.94	14.58	24.2	7.27	3.6	10.3	7.97	11.31
Price/Cash Flow High	4.93	3.21	5.61	5.14	11.54	11.56	17.78	7.88	16.18	36.5	8.35	4.23	12.54	9.97	13.4
Price/Cash Flow Low	3.37	2.53	4.5	4.27	9.22	7.85	13.07	4.94	12.13	14.44	5.61	3.02	8.62	7.04	8.13
Price/Free Cash Flow Average	4.1	2.84	4.93	4.53	10.08	7.65	12.78	6.62	12.46	17.88	6.62	3.38	8.56	6.57	9.32
Price/Free Cash Flow High	4.69	3.17	5.47	4.96	11.19	9.67	14.79	7.52	13.82	26.97	7.61	3.97	10.43	8.22	11.04
Price/Free Cash Flow Low	3.21	2.5	4.38	4.12	8.94	6.57	10.87	4.71	10.36	10.67	5.11	2.83	7.17	5.8	6.7
EV/Sales Average	3.5	3.53	4.08	5.63	5.77	5.13	6.64	5.67	5.78	3.2	1.86	3.53	4.36	4.01	3.39
EV/Sales High	3.92	3.89	4.48	5.96	6.16	6.02	7.29	6.15	6.12	4.32	2.32	4.08	4.95	4.81	3.96
EV/Sales Low	2.85	3.14	3.68	5.31	5.37	4.65	6.02	4.65	5.25	2.31	1.15	3.02	3.91	3.64	2.53
EV/EBITDA Average	67.25	55.46	70.02	86.91	86.73	68.38	81.9	62.83	155.52	-1,313.73	229.59	69.8	87.73	95.54	77.81
EV/EBITDA High	75.39	61.18	76.82	92.07	92.61	80.26	89.97	68.14	164.74	-1,774.66	286.69	80.6	99.78	114.61	90.79
EV/EBITDA Low	54.8	49.44	63.13	82	80.71	62.02	74.24	51.57	141.34	-948.08	141.89	59.71	78.66	86.65	58.07
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	11.31	10.62	12.62	13.32	13.34	16.03	13.82	9.84	12.7	9.5	12.13	13.05	13.77	14.78	17.1
High Price	11.5	12.56	13.35	13.7	14.8	16.43	16.35	14.92	12.93	12.76	13.83	14.71	14.68	17.7	17.93
Enterprise Value Average	1,508	1,765	2,154	3,487	3,812	4,171	7,289	6,848	6,998	3,941	2,296	5,095	6,843	6,401	5,991
Enterprise Value High	1,691	1,947	2,364	3,694	4,070	4,896	8,008	7,428	7,413	5,324	2,867	5,884	7,783	7,679	6,990
Enterprise Value Low	1,229	1,574	1,942	3,290	3,547	3,783	6,607	5,621	6,360	2,844	1,419	4,359	6,136	5,806	4,471

Shares Outstanding	127	140	159	174	175	211	323	324	325	322	319	360	359	360	357
Diluted Weighted Avg Shares	125	141	148	169	176	208	304	326	326	325	323	354	363	363	362
Basic Weighted Avg Shares	124	139	145	168	174	206	303	323	324	323	320	350	361	362	360
Revenue per Share	3.47	3.6	3.63	3.7	3.79	3.94	3.62	3.74	3.74	3.81	3.87	4.12	4.35	4.41	4.9
EBITDA per Share	0.18	0.23	0.21	0.24	0.25	0.3	0.29	0.34	0.14	-0.01	0.03	0.21	0.22	0.19	0.21
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.7	0.79	0.81	0.81	0.87	0.79	0.63	1.13	1.17	0.86	1.24	1.23	1.32	1.27	1.57
Basic EPS from Cont Ops	0.7	0.79	0.81	0.86	0.92	0.83	0.66	1.16	1.19	0.88	1.27	1.25	1.34	1.29	1.57
Diluted EPS, GAAP	0.7	0.79	0.8	0.8	0.86	0.78	0.63	1.12	1.16	0.85	1.23	1.22	1.31	1.27	1.56
Diluted EPS from Cont Ops	0.7	0.79	0.8	0.85	0.91	0.82	0.65	1.15	1.19	0.88	1.25	1.24	1.34	1.28	1.56
Dividend per Share	0.49	0.49	0.49	0.53	0.53	0.53	0.5	0.51	0.51	0.51	0.51	0.51	0.5	0.49	0.48
Cash Flow per Share	2.33	3.91	2.38	2.67	1.28	1.42	0.92	1.89	0.8	0.35	1.66	3.48	1.17	1.78	1.34
Free Cash Flow per Basic Share	2.19	3.82	2.28	2.55	1.23	1.13	0.73	1.78	0.66	0.22	1.48	3.2	0.93	1.39	1.04
Cash & Equivalents per Share	6.68	10.09	8.53	10.47	12.08	12.33	10.03	11.81	11.96	15.07	21.69	13.73	13.46	16.36	15.91
Book Value per Share	9.51	10.02	10.49	11	11.34	11.68	13.3	13.88	14.69	15.09	15.81	15.39	16.56	17.52	18.92
Tangible Book Value per Share	4.8	4.92	5.38	5.95	6.33	6.53	6.06	6.68	7.53	7.88	8.59	8.27	9.47	10.49	11.88

F.N.B. Corporation