• F.N.B average return on tangible equity for 2024 was 12.37, a 26.06% decline from 2023.
• F.N.B average return on tangible equity for 2023 was 16.73, a 25.88% decline from 2022.
• F.N.B average return on tangible equity for 2022 was 13.29, a 0.15% increase from 2021.

Return on tangible equity can be defined as the amount of net income returned as a percentage of shareholders equity, after subtracting intangible assets, goodwill and preferred equity.