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FNB cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$250M in Q3 2026 · $723M over twelve months

Operating cash flow$291M
Capital spending−$41.0M
Free cash flow+$250M
Cash / net income1.9×

Analysis

In Q3 2026, FNB generated $291M of operating cash flow and spent $41.0M on capital projects, leaving free cash flow of $250M. That is $101M more than in Q3 2025 ($149M).

Over the twelve months to Sep 30, 2026, operating cash flow was $828M; the largest uses were other investing ($2.2B), dividends ($179M), buybacks ($152M); besides operations, cash came from other financing ($1.1B), net borrowing (+) / repaid (−) ($799M); the cash balance rose by $113M.

Operating cash flow was $291M against net income of $153M — 1.9× profit, cash ran ahead of reported earnings. The largest differences: other operating capital +$77.0M, depreciation & amortization +$23.0M, deferred taxes −$0.

Free cash flow

FNB: free cash flow by quarterFNB: free cash flow by quarter$278MQ4 2024$43.0MQ1 2025$85.0MQ2 2025$149MQ3 2025$99.0MQ4 2025$133MQ1 2026$241MQ2 2026$250MQ3 2026
Operating cash flow less capital spending.
FNB: operating cash flow against capital spendingFNB: operating cash flow against capital spendingOperating cash flowCapital spending$326M$48.0MQ4 2024$64.0M$21.0MQ1 2025$123M$38.0MQ2 2025$167M$18.0MQ3 2025$128M$29.0MQ4 2025$151M$18.0MQ1 2026$258M$17.0MQ2 2026$291M$41.0MQ3 2026
Latest (Q3 2026): Operating cash flow $291M, Capital spending $41.0M.

Capital allocation, year by year

FNB: where the cash came from (up) and went (down), by fiscal yearFNB: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingBuybacksDividendsFY2021: Operating cash flow $530MFY2021: Net borrowing −$680MFY2021: Capital spending −$58.0MFY2021: Buybacks −$43.0MFY2021: Dividends −$156M$530MFY2021FY2022: Operating cash flow $1.2BFY2022: Net borrowing −$29.0MFY2022: Capital spending −$95.0MFY2022: Buybacks −$43.0MFY2022: Dividends −$171M$1.2BFY2022FY2023: Operating cash flow $423MFY2023: Net borrowing $2.0BFY2023: Capital spending −$88.0MFY2023: Buybacks −$36.0MFY2023: Dividends −$174M$2.4BFY2023FY2024: Operating cash flow $642MFY2024: Net borrowing −$211MFY2024: Capital spending −$139MFY2024: Buybacks −$3.0MFY2024: Dividends −$175M$642MFY2024FY2025: Operating cash flow $482MFY2025: Net borrowing −$352MFY2025: Capital spending −$106MFY2025: Buybacks −$50.0MFY2025: Dividends −$174M$482MFY2025
Over these 5 years operating cash flow totalled $3.3B; the largest uses were net borrowing ($1.3B) and dividends ($850M). Cash-flow statements as filed.

Where the cash came from and went

FNB: sources (+) and uses (−) of cash, Q3 2026FNB: sources (+) and uses (−) of cash, Q3 2026Other investing−$997MOther financing$875MOperating cash flow$291MCash drawn (+) / kept (−)−$151MNet borrowing (+) / repaid (−)$121MBuybacks−$52.0MDividends−$46.0MCapital spending−$41.0M
FNB: sources (+) and uses (−) of cash, TTM to Q3 2026FNB: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$2.2BOther financing$1.1BOperating cash flow$828MNet borrowing (+) / repaid (−)$799MDividends−$179MBuybacks−$152MCash drawn (+) / kept (−)−$113MCapital spending−$105M

From profit to cash

FNB: net income to operating cash flow, Q3 2026FNB: net income to operating cash flow, Q3 2026Net income$153MDepreciation & amortization$23.0MOther operating capital$77.0MOperating cash flow$291M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$291M−$41.0M−$52.0M−$46.0M$121M−$151M$250M
Q2 2026$258M−$17.0M−$47.0M−$47.0M$525M$284M$241M
Q1 2026$151M−$18.0M−$35.0M−$43.0M$239M−$161M$133M
Q4 2025$128M−$29.0M−$18.0M−$43.0M−$86.0M−$85.0M$99.0M
Q3 2025$167M−$18.0M−$12.0M−$44.0M−$565M$14.0M$149M
Q2 2025$123M−$38.0M−$10.0M−$43.0M$85.0M$18.0M$85.0M
Q1 2025$64.0M−$21.0M−$10.0M−$44.0M$214M−$26.0M$43.0M
Q4 2024$326M−$48.0M—−$44.0M$191M−$341M$278M

FNB: income statement and cash flow

FNB, Q3 2026: revenue $469M (+3% year over year), operating margin 41.2%. The chart follows the revenue to costs, profit and cash.

FNB: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.