FNB F N B margins

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  2. Financial Services
  3. NYSE: FNB
  4. Margins
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Relative Growth: Rel. Growth: 80
Relative Strength: Rel. Strength: 60
Relative Valuation: Rel. Valuation: 82
Relative Profitability: Rel. Profitability: 83
Gross margin
100%
Operating margin
41.1%
EBITDA margin
46.1%
Net margin
34.6%

At present, F N B reports a gross margin of 100%, an operating margin of 41.1%, an EBITDA margin of 46.1%, and a net margin of 34.6%. The strongest improvement was in EBITDA margin, up 5.5 percentage points; the remaining margins remained unchanged.

FNB margin history

Gross, operating, EBITDA and net margin trends

F N B's margins averaged 100% gross, 37.74% operating, 42.43% EBITDA, and 31.43% net over the last 3 years. Compared with the three-year averages, operating, EBITDA, and net margins are above their three-year averages.

FNB margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 5.1 percentage points, EBITDA margin by 5.5 percentage points, and net margin by 4.4 percentage points. Gross margin was unchanged.

Gross margin expansion
0pp
Operating margin expansion
5.1pp
EBITDA margin expansion
5.5pp
Net margin expansion
4.4pp

FNB Gross margin

Over the last 3 years, F N B recorded an average gross margin of 100%. Compared with its three-year average, F N B's current gross margin is 100% and is in line with its three-year average. The highest gross margin for F N B was 100% in Jun 2026, while the lowest was 100% in Dec 2023.

FNB Operating margin

Across the last 3 years, F N B's operating margin stood at 37.74%. The current operating margin stands at 41.1%, 3.4 percentage points above its three-year average. Operating margin was highest at 41.1% in Jun 2026 and lowest at 34.4% in Sep 2024.

FNB EBITDA margin

Across the last 3 years, F N B recorded an average EBITDA margin of 42.43%. F N B currently reports an EBITDA margin of 46.1%, 3.7 percentage points above its three-year average. The highest EBITDA margin for F N B was 46.1% in Jun 2026, while the lowest was 38.8% in Sep 2024.

FNB Net margin

F N B recorded an average net margin of 31.43% across the last 3 years. The current net margin of 34.6% is 3.2 percentage points above its three-year average. Over the last 3 years, F N B's net margin peaked at 34.6% in Jun 2026 and reached a low of 27.2% in Sep 2024.

FNB margin group comparison

Margins compared with peer-group, industry and sector averages

F N B's gross margin of 100% is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.7%, F N B's gross margin is 19% higher.

FNB margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is F N B's gross margin?

The current gross margin for FNB is 100% as of Jun 30, 2026.

What is F N B's operating margin?

For the period ending Jun 30, 2026, FNB recorded an operating margin of 41.1%.

What is F N B's EBITDA margin?

As of Jun 30, 2026, FNB has an EBITDA margin of 46.1%.

What is F N B's net margin?

The current net margin for FNB is 34.6% as of Jun 30, 2026.

What are the average margins of FNB?

Over the last 3 years, F N B's margins averaged 100.0% gross, 37.7% operating, 42.4% EBITDA, and 31.4% net.

What are the highest historical margins of FNB?

Looking back across 5 years, FNB reached 100% gross in Jun 2026, 45.9% operating in Jun 2023, 51% EBITDA in Jun 2023, and 36.7% net in Sep 2023.

What are the lowest historical margins of FNB?

Over this 5-year history, F N B's margins fell as low as 100% gross in Dec 2021, 34.4% operating in Sep 2024, 38.8% EBITDA in Sep 2024, and 27.2% net in Sep 2024.