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Side-by-side financial comparison of FNB CORP (FNB) and SHOE CARNIVAL INC (SCVL). Click either name above to swap in a different company.

FNB CORP is the larger business by last-quarter revenue ($366.0M vs $297.2M, roughly 1.2× SHOE CARNIVAL INC). FNB CORP runs the higher net margin — 45.9% vs 4.9%, a 41.0% gap on every dollar of revenue. On growth, FNB CORP posted the faster year-over-year revenue change (13.7% vs -3.2%). FNB CORP produced more free cash flow last quarter ($99.0M vs $19.7M). Over the past eight quarters, FNB CORP's revenue compounded faster (7.1% CAGR vs 3.0%).

FNB Corporation is a diversified financial services corporation based in Pittsburgh, Pennsylvania, and the holding company for its largest subsidiary, First National Bank. As of December 31, 2025, FNB has total assets of more than $50 billion. FNB's market coverage spans several major metropolitan areas, including Pittsburgh, Pennsylvania; Baltimore, Maryland; Cleveland, Ohio; Washington, D.C.; Charlotte, Raleigh, Durham and the Piedmont Triad in North Carolina; and Charleston, South Carolina...

Shoe Carnival Inc. is an American retailer of family footwear. The company operates 429 stores throughout the midwest, south, and southeast regions, and Puerto Rico. It was founded by David Russell in 1978 and is headquartered in Fort Mill, South Carolina as of 2025.

FNB vs SCVL — Head-to-Head

Bigger by revenue
FNB
FNB
1.2× larger
FNB
$366.0M
$297.2M
SCVL
Growing faster (revenue YoY)
FNB
FNB
+16.8% gap
FNB
13.7%
-3.2%
SCVL
Higher net margin
FNB
FNB
41.0% more per $
FNB
45.9%
4.9%
SCVL
More free cash flow
FNB
FNB
$79.3M more FCF
FNB
$99.0M
$19.7M
SCVL
Faster 2-yr revenue CAGR
FNB
FNB
Annualised
FNB
7.1%
3.0%
SCVL

Income Statement — Q4 FY2025 vs Q3 FY2026

Metric
FNB
FNB
SCVL
SCVL
Revenue
$366.0M
$297.2M
Net Profit
$168.0M
$14.6M
Gross Margin
37.6%
Operating Margin
45.1%
6.3%
Net Margin
45.9%
4.9%
Revenue YoY
13.7%
-3.2%
Net Profit YoY
52.7%
-23.9%
EPS (diluted)
$0.47
$0.53

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
FNB
FNB
SCVL
SCVL
Q4 25
$366.0M
$297.2M
Q3 25
$359.0M
$306.4M
Q2 25
$348.0M
$277.7M
Q1 25
$323.0M
$262.9M
Q4 24
$322.0M
$306.9M
Q3 24
$323.0M
$332.7M
Q2 24
$316.0M
$300.4M
Q1 24
$319.0M
$280.2M
Net Profit
FNB
FNB
SCVL
SCVL
Q4 25
$168.0M
$14.6M
Q3 25
$150.0M
$19.2M
Q2 25
$130.0M
$9.3M
Q1 25
$117.0M
$14.7M
Q4 24
$110.0M
$19.2M
Q3 24
$110.0M
$22.6M
Q2 24
$123.0M
$17.3M
Q1 24
$122.0M
$15.5M
Gross Margin
FNB
FNB
SCVL
SCVL
Q4 25
37.6%
Q3 25
38.8%
Q2 25
34.5%
Q1 25
34.9%
Q4 24
36.0%
Q3 24
36.1%
Q2 24
35.6%
Q1 24
35.6%
Operating Margin
FNB
FNB
SCVL
SCVL
Q4 25
45.1%
6.3%
Q3 25
52.9%
8.2%
Q2 25
47.7%
4.3%
Q1 25
45.8%
5.3%
Q4 24
31.7%
8.0%
Q3 24
43.3%
9.0%
Q2 24
49.7%
7.5%
Q1 24
48.9%
7.1%
Net Margin
FNB
FNB
SCVL
SCVL
Q4 25
45.9%
4.9%
Q3 25
41.8%
6.3%
Q2 25
37.4%
3.4%
Q1 25
36.2%
5.6%
Q4 24
34.2%
6.3%
Q3 24
34.1%
6.8%
Q2 24
38.9%
5.8%
Q1 24
38.2%
5.5%
EPS (diluted)
FNB
FNB
SCVL
SCVL
Q4 25
$0.47
$0.53
Q3 25
$0.41
$0.70
Q2 25
$0.36
$0.34
Q1 25
$0.32
$0.53
Q4 24
$0.31
$0.70
Q3 24
$0.30
$0.82
Q2 24
$0.34
$0.63
Q1 24
$0.32
$0.57

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
FNB
FNB
SCVL
SCVL
Cash + ST InvestmentsLiquidity on hand
$2.5B
$107.7M
Total DebtLower is stronger
$1.9B
Stockholders' EquityBook value
$6.8B
$683.2M
Total Assets
$50.2B
$1.2B
Debt / EquityLower = less leverage
0.28×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FNB
FNB
SCVL
SCVL
Q4 25
$2.5B
$107.7M
Q3 25
$2.4B
$91.9M
Q2 25
$2.4B
$93.0M
Q1 25
$2.4B
$123.1M
Q4 24
$2.4B
$91.1M
Q3 24
$2.1B
$84.5M
Q2 24
$1.9B
$69.5M
Q1 24
$1.5B
$111.2M
Total Debt
FNB
FNB
SCVL
SCVL
Q4 25
$1.9B
Q3 25
$2.1B
Q2 25
$2.7B
Q1 25
$2.5B
Q4 24
$3.0B
Q3 24
$2.5B
Q2 24
$2.0B
Q1 24
$2.1B
Stockholders' Equity
FNB
FNB
SCVL
SCVL
Q4 25
$6.8B
$683.2M
Q3 25
$6.6B
$670.7M
Q2 25
$6.5B
$653.6M
Q1 25
$6.4B
$649.0M
Q4 24
$6.3B
$635.7M
Q3 24
$6.2B
$618.5M
Q2 24
$6.1B
$597.8M
Q1 24
$6.0B
$583.4M
Total Assets
FNB
FNB
SCVL
SCVL
Q4 25
$50.2B
$1.2B
Q3 25
$49.9B
$1.2B
Q2 25
$49.7B
$1.1B
Q1 25
$49.0B
$1.1B
Q4 24
$48.6B
$1.1B
Q3 24
$48.0B
$1.1B
Q2 24
$47.7B
$1.1B
Q1 24
$45.9B
$1.0B
Debt / Equity
FNB
FNB
SCVL
SCVL
Q4 25
0.28×
Q3 25
0.32×
Q2 25
0.41×
Q1 25
0.39×
Q4 24
0.48×
Q3 24
0.40×
Q2 24
0.33×
Q1 24
0.35×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
FNB
FNB
SCVL
SCVL
Operating Cash FlowLast quarter
$128.0M
$33.6M
Free Cash FlowOCF − Capex
$99.0M
$19.7M
FCF MarginFCF / Revenue
27.0%
6.6%
Capex IntensityCapex / Revenue
7.9%
4.7%
Cash ConversionOCF / Net Profit
0.76×
2.30×
TTM Free Cash FlowTrailing 4 quarters
$376.0M
$35.1M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
FNB
FNB
SCVL
SCVL
Q4 25
$128.0M
$33.6M
Q3 25
$167.0M
$13.3M
Q2 25
$123.0M
$-9.6M
Q1 25
$64.0M
$44.5M
Q4 24
$326.0M
$17.3M
Q3 24
$-14.0M
$23.7M
Q2 24
$85.0M
$17.1M
Q1 24
$245.0M
$53.4M
Free Cash Flow
FNB
FNB
SCVL
SCVL
Q4 25
$99.0M
$19.7M
Q3 25
$149.0M
$2.2M
Q2 25
$85.0M
$-23.0M
Q1 25
$43.0M
$36.2M
Q4 24
$278.0M
$8.3M
Q3 24
$-46.0M
$18.2M
Q2 24
$55.0M
$6.9M
Q1 24
$216.0M
$40.7M
FCF Margin
FNB
FNB
SCVL
SCVL
Q4 25
27.0%
6.6%
Q3 25
41.5%
0.7%
Q2 25
24.4%
-8.3%
Q1 25
13.3%
13.8%
Q4 24
86.3%
2.7%
Q3 24
-14.2%
5.5%
Q2 24
17.4%
2.3%
Q1 24
67.7%
14.5%
Capex Intensity
FNB
FNB
SCVL
SCVL
Q4 25
7.9%
4.7%
Q3 25
5.0%
3.6%
Q2 25
10.9%
4.8%
Q1 25
6.5%
3.2%
Q4 24
14.9%
3.0%
Q3 24
9.9%
1.7%
Q2 24
9.5%
3.4%
Q1 24
9.1%
4.5%
Cash Conversion
FNB
FNB
SCVL
SCVL
Q4 25
0.76×
2.30×
Q3 25
1.11×
0.69×
Q2 25
0.95×
-1.03×
Q1 25
0.55×
3.04×
Q4 24
2.96×
0.90×
Q3 24
-0.13×
1.05×
Q2 24
0.69×
0.99×
Q1 24
2.01×
3.44×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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