Who Owns F.N.B. Company?

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Who Owns F.N.B. Corporation?

Understanding F.N.B. Corporation's ownership is key to grasping its strategic direction. The company's journey, marked by its 2003 IPO on the NYSE under 'FNB', significantly shaped its shareholder base.

F.N.B. Corporation, a financial services entity founded in 1864, offers a wide array of banking and wealth management services. Its operations span across seven states and the District of Columbia, with a substantial asset base and market presence.

As of June 30, 2025, F.N.B. Corporation held nearly $50 billion in total assets. Its market capitalization was approximately $5.63 billion as of July 28, 2025. Analyzing its ownership structure reveals the interplay between institutional investors and individual shareholders, reflecting the company's evolution and market standing. For a deeper dive into its strategic positioning, consider reviewing the F.N.B. BCG Matrix.

F.N.B. Corporation's roots trace back to the establishment of First National Bank in 1864 in West Greenville, Pennsylvania. Its initial operations were conducted from the residence of its first President, Samuel P. Johnston. While precise early ownership details are not publicly documented, the bank's founding as 'The First National Bank of West Greenville' highlighted a strong local, community-focused ethos.

Founding Year

The institution that would become F.N.B. Corporation was founded in 1864.

Original Location

The bank's origins are in West Greenville, Pennsylvania. It began operations from the residence of its first President.

Early Ownership Model

Historical records suggest a close-knit, community-focused ownership structure. This likely involved local entrepreneurs and citizens.

Name Evolution

The bank was re-chartered as The First National Bank of Greenville in the 1880s, aligning with the town's name change.

Community Ties

The bank's history reflects deep ties to its community, serving the region through significant historical periods.

Initial Operations

The bank's initial operations from a private residence indicate a foundational commitment to local engagement and support.

While specific details regarding the initial equity split or the precise shareholding percentages of Johnston and any other early backers are not publicly available, the establishment as 'The First National Bank of West Greenville' underscored its local, community-centric vision. Early agreements such as vesting schedules or buy-sell clauses are not explicitly detailed in historical records. The bank's commitment to serving the region through periods of significant historical change, including World War I and the Great Depression, further solidified its community role. Understanding the Mission, Vision & Core Values of F.N.B. provides context for its enduring community focus.

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The ownership of F.N.B. Corporation has evolved significantly since its inception. Key milestones include its transformation into a financial services holding company in 1974 and its Initial Public Offering (IPO) in 2003, which made its common shares available on the New York Stock Exchange under the ticker symbol 'FNB'. These events marked substantial shifts in how the company is owned and managed.

As of July 2025, F.N.B. Corporation, a publicly traded entity, is primarily owned by institutional investors. These large investment firms collectively hold a substantial majority of the company's stock, indicating a strong preference for long-term investment strategies. This ownership structure often influences corporate governance and strategic decisions, as these institutions typically engage actively with management to ensure shareholder value is maximized. Understanding who owns FNB Bank is crucial for grasping its strategic direction and financial stability.

F.N.B. Corporation Major Stakeholders

Institutional investors are the dominant force in F.N.B. Corporation's ownership. Their significant holdings shape the company's trajectory and reflect confidence in its long-term prospects. This concentration of ownership among institutions is a key aspect of the FNB Corporation ownership structure.

• Institutional investors hold between 79.25% and 81.19% of F.N.B. Corporation stock as of March 31, 2025.
• Key institutional shareholders include BlackRock, Inc. (12.36%), Vanguard Group Inc. (10.99%), and Fuller & Thaler Asset Management Inc. (6.75%).
• Dimensional Fund Advisors LP (5.70%) and FMR LLC (5.12%) are also significant institutional owners.
• Individual insiders own 2.63%, with retail investors holding the remaining 17.65%.
• Vincent J. Delie Jr., the CEO, is the largest individual shareholder, owning 0.57% of the company.
• Recent acquisitions, such as Howard Bancorp and UB Bancorp, have expanded the company's market presence and asset base, impacting its overall valuation and shareholder composition. For a deeper understanding of the company's market reach, explore the Target Market of F.N.B.

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The governance of F.N.B. Corporation is guided by its Board of Directors, which comprises 11 elected members as of the May 7, 2025, annual meeting. These directors secured substantial shareholder backing, with approval percentages ranging from 95.38% to 99.40%. Vincent J. Delie, Jr. holds the key positions of Chairman, President, and Chief Executive Officer, consolidating leadership responsibilities.

F.N.B. Corporation adheres to a one-share-one-vote principle, a structure evident in the voting outcomes for board elections and other corporate matters. This system ensures that each share holds equal voting power, with no indications of differential voting rights. The company's shareholders also approved the executive compensation for 2024 with a 91.26% favorable vote and ratified the appointment of Ernst & Young LLP as the independent auditor for 2025 with 98.52% approval. These strong voting results suggest a high level of shareholder confidence in the company's management and oversight, aligning with the broader Competitors Landscape of F.N.B..

Shareholder Confidence and Governance

Shareholder support for F.N.B. Corporation's board and executive compensation reflects a stable governance environment. The company's adherence to a one-share-one-vote structure reinforces equitable shareholder participation.

• Board nominees received strong approval, with votes ranging up to 99.40%.
• Executive compensation was approved by 91.26% of shareholders.
• Ernst & Young LLP ratified as auditor with 98.52% support.
• Vincent J. Delie, Jr. serves as Chairman, President, and CEO.
• Pamela Bena received the highest director vote at 97.10%.

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Over the past few years, F.N.B. Corporation has actively pursued strategic growth and refined its capital management, leading to shifts in its ownership landscape. These actions reflect a dynamic approach to enhancing market position and shareholder value.

F.N.B. Corporation's capital allocation strategy includes consistent share repurchases and dividend distributions, demonstrating a commitment to returning value to shareholders while maintaining robust financial health. The company's regulatory capital ratios remain strong, with a Common Equity Tier 1 ratio of 10.8% as of July 2025, an increase from 10.2% in June 2024. This financial strength is further evidenced by a 12.8% increase in tangible book value per common share to $11.14 as of June 30, 2025, up from $9.88 a year prior. CEO Vincent J. Delie, Jr. continues to lead the executive management team, with no significant leadership changes impacting the FNB Corporation ownership structure recently. The trend of increasing institutional ownership, now between 79.25% and 81.19% as of July 2025, indicates growing confidence from larger investors in the regional banking sector's stability and growth prospects.

Institutional Investor Confidence

Institutional ownership of F.N.B. Corporation has seen a steady rise, reaching up to 81.19% by July 2025. This trend highlights a strong preference among large investors for the company's stability and growth trajectory.

Capital Strength and Shareholder Returns

F.N.B. Corporation maintains a strong capital position, with its CET1 ratio at 10.8% as of July 2025. The company continues to reward shareholders through dividends and share repurchases, reinforcing its commitment to value creation.

Strategic Acquisitions Driving Growth

Recent acquisitions, including Howard Bancorp and UB Bancorp, have significantly expanded F.N.B.'s geographic reach. The planned acquisition of Raptor Partners LLC further strengthens its capital markets capabilities.

Leadership and Company Structure

Vincent J. Delie, Jr. continues to lead F.N.B. Corporation as CEO. There have been no recent founder or executive departures that would substantially alter the company's ownership dynamics or control.

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