• F.N.B average pre-tax profit margin for 2023 was 32.78%, a 4.49% decline from 2022.
• F.N.B average pre-tax profit margin for 2022 was 34.32%, a 3.59% decline from 2021.
• F.N.B average pre-tax profit margin for 2021 was 33.13%, a 29.21% increase from 2020.

Pre-tax profit margin can be defined as earnings before taxes as a portion of total revenue.