F.N.B. Corporation Financial Ratios — FN2 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 (%)	4.51	6.35	5.96	5.11	4.28	4.16	3.38	4.95	4.79	3.57	5.61	5.94	5.44	4.63	5.69
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

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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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- 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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	272	531	331	427	214	233	222	576	213	72	472	1,123	335	503	376

Multiples (USD)

Valuation Multiples API ChatGPT

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Per Share Data Items (USD)

Per-Share Data 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

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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