FNB: the cashflow

MyFinsight

For the quarter ending 2025-09-30, FNB had -$14M decrease in cash & cash equivalents over the period. $149M in free cash flow.

Unit: Million (M) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	150	247
Depreciation, amortization and accretion	18	37
Provision for credit losses	24	43
Deferred tax expense (benefit)	9	8
Loans originated for sale	455	770
Loans sold	462	720
Net (gains) losses on sale of loans	1	11
Interest receivable	4	-3
Interest payable	2	-5
Bank owned life insurance, excluding purchases	2	5
Other, net	36	80
Net cash flows provided by (used in) operating activities	167	187
Net change in loans and leases, excluding sales and transfers	285	788
Purchases	213	412
Maturities/payments	191	369
Purchases	89	297
Maturities/payments	158	166
Increase in premises and equipment	18	59
Net proceeds from sales of portfolio loans	0	5
Net cash flows provided by (used in) investing activities	-256	-1,016
Demand (non-interest-bearing and interest-bearing) and savings accounts	651	628
Time deposits	42	12
Short-term borrowings	29	620
Proceeds from issuance of long-term borrowings	212	317
Repayment of long-term borrowings	806	638
Redemption of preferred stock	0	0
Repurchases of common stock	12	20
Preferred stock	0	0
Common stock	44	87
Other, net	3	5
Net cash flows provided by (used in) financing activities	75	837
Net increase (decrease) in cash and cash equivalents	-14	8
Cash and cash equivalents at beginning of period	2,419	-
Cash and cash equivalents at end of period	2,413	-

Unit: Million (M) dollars