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Side-by-side financial comparison of FNB CORP (FNB) and USANA HEALTH SCIENCES INC (USNA). Click either name above to swap in a different company.

FNB CORP is the larger business by last-quarter revenue ($366.0M vs $250.2M, roughly 1.5× USANA HEALTH SCIENCES INC). FNB CORP runs the higher net margin — 45.9% vs 3.0%, a 42.9% gap on every dollar of revenue. On growth, FNB CORP posted the faster year-over-year revenue change (13.7% vs -3.0%). Over the past eight quarters, USANA HEALTH SCIENCES INC's revenue compounded faster (11.8% CAGR vs 7.1%).

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...

Usana Health Sciences, Inc., or USANA, is an American multi-level marketing company based in Salt Lake City, Utah. As of 2021, Usana was the 14th largest direct-selling company in the world by revenue. The company manufactures most of its nutritional products, dietary supplements, and skincare products at a Salt Lake City facility. Its products are sold in 24 countries via a network of independent distributors.

FNB vs USNA — Head-to-Head

Bigger by revenue
FNB
FNB
1.5× larger
FNB
$366.0M
$250.2M
USNA
Growing faster (revenue YoY)
FNB
FNB
+16.7% gap
FNB
13.7%
-3.0%
USNA
Higher net margin
FNB
FNB
42.9% more per $
FNB
45.9%
3.0%
USNA
Faster 2-yr revenue CAGR
USNA
USNA
Annualised
USNA
11.8%
7.1%
FNB

Income Statement — Q4 FY2025 vs Q1 FY2027

Metric
FNB
FNB
USNA
USNA
Revenue
$366.0M
$250.2M
Net Profit
$168.0M
$7.5M
Gross Margin
76.2%
Operating Margin
45.1%
5.5%
Net Margin
45.9%
3.0%
Revenue YoY
13.7%
-3.0%
Net Profit YoY
52.7%
-20.0%
EPS (diluted)
$0.47
$0.41

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
USNA
USNA
Q1 26
$250.2M
Q4 25
$366.0M
$226.2M
Q3 25
$359.0M
$213.7M
Q2 25
$348.0M
$235.8M
Q1 25
$323.0M
$249.5M
Q4 24
$322.0M
$213.6M
Q3 24
$323.0M
$200.2M
Q2 24
$316.0M
Net Profit
FNB
FNB
USNA
USNA
Q1 26
$7.5M
Q4 25
$168.0M
$180.0K
Q3 25
$150.0M
$-6.5M
Q2 25
$130.0M
$9.7M
Q1 25
$117.0M
$9.4M
Q4 24
$110.0M
$4.5M
Q3 24
$110.0M
$10.6M
Q2 24
$123.0M
Gross Margin
FNB
FNB
USNA
USNA
Q1 26
76.2%
Q4 25
78.2%
Q3 25
77.2%
Q2 25
78.7%
Q1 25
79.0%
Q4 24
82.0%
Q3 24
80.4%
Q2 24
Operating Margin
FNB
FNB
USNA
USNA
Q1 26
5.5%
Q4 25
45.1%
1.7%
Q3 25
52.9%
0.6%
Q2 25
47.7%
7.1%
Q1 25
45.8%
6.3%
Q4 24
31.7%
3.8%
Q3 24
43.3%
7.8%
Q2 24
49.7%
Net Margin
FNB
FNB
USNA
USNA
Q1 26
3.0%
Q4 25
45.9%
0.1%
Q3 25
41.8%
-3.1%
Q2 25
37.4%
4.1%
Q1 25
36.2%
3.8%
Q4 24
34.2%
2.1%
Q3 24
34.1%
5.3%
Q2 24
38.9%
EPS (diluted)
FNB
FNB
USNA
USNA
Q1 26
$0.41
Q4 25
$0.47
$-0.10
Q3 25
$0.41
$-0.36
Q2 25
$0.36
$0.52
Q1 25
$0.32
$0.49
Q4 24
$0.31
$0.23
Q3 24
$0.30
$0.56
Q2 24
$0.34

Balance Sheet & Financial Strength

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

Metric
FNB
FNB
USNA
USNA
Cash + ST InvestmentsLiquidity on hand
$2.5B
$162.8M
Total DebtLower is stronger
$1.9B
Stockholders' EquityBook value
$6.8B
Total Assets
$50.2B
$739.0M
Debt / EquityLower = less leverage
0.28×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FNB
FNB
USNA
USNA
Q1 26
$162.8M
Q4 25
$2.5B
$158.4M
Q3 25
$2.4B
$145.3M
Q2 25
$2.4B
$151.3M
Q1 25
$2.4B
$179.6M
Q4 24
$2.4B
$181.8M
Q3 24
$2.1B
$364.9M
Q2 24
$1.9B
Total Debt
FNB
FNB
USNA
USNA
Q1 26
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
Stockholders' Equity
FNB
FNB
USNA
USNA
Q1 26
Q4 25
$6.8B
Q3 25
$6.6B
$528.1M
Q2 25
$6.5B
$531.1M
Q1 25
$6.4B
$529.8M
Q4 24
$6.3B
$532.1M
Q3 24
$6.2B
$533.1M
Q2 24
$6.1B
Total Assets
FNB
FNB
USNA
USNA
Q1 26
$739.0M
Q4 25
$50.2B
$742.9M
Q3 25
$49.9B
$726.6M
Q2 25
$49.7B
$734.5M
Q1 25
$49.0B
$746.6M
Q4 24
$48.6B
$748.2M
Q3 24
$48.0B
$671.3M
Q2 24
$47.7B
Debt / Equity
FNB
FNB
USNA
USNA
Q1 26
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×

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
USNA
USNA
Operating Cash FlowLast quarter
$128.0M
Free Cash FlowOCF − Capex
$99.0M
FCF MarginFCF / Revenue
27.0%
Capex IntensityCapex / Revenue
7.9%
Cash ConversionOCF / Net Profit
0.76×
TTM Free Cash FlowTrailing 4 quarters
$376.0M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
FNB
FNB
USNA
USNA
Q1 26
Q4 25
$128.0M
Q3 25
$167.0M
$-2.0M
Q2 25
$123.0M
$12.2M
Q1 25
$64.0M
$15.5M
Q4 24
$326.0M
$5.8M
Q3 24
$-14.0M
$29.5M
Q2 24
$85.0M
Free Cash Flow
FNB
FNB
USNA
USNA
Q1 26
Q4 25
$99.0M
Q3 25
$149.0M
$-5.2M
Q2 25
$85.0M
$7.2M
Q1 25
$43.0M
$12.7M
Q4 24
$278.0M
$4.0M
Q3 24
$-46.0M
$27.1M
Q2 24
$55.0M
FCF Margin
FNB
FNB
USNA
USNA
Q1 26
Q4 25
27.0%
Q3 25
41.5%
-2.4%
Q2 25
24.4%
3.0%
Q1 25
13.3%
5.1%
Q4 24
86.3%
1.9%
Q3 24
-14.2%
13.6%
Q2 24
17.4%
Capex Intensity
FNB
FNB
USNA
USNA
Q1 26
Q4 25
7.9%
Q3 25
5.0%
1.5%
Q2 25
10.9%
2.1%
Q1 25
6.5%
1.1%
Q4 24
14.9%
0.8%
Q3 24
9.9%
1.2%
Q2 24
9.5%
Cash Conversion
FNB
FNB
USNA
USNA
Q1 26
Q4 25
0.76×
Q3 25
1.11×
Q2 25
0.95×
1.27×
Q1 25
0.55×
1.65×
Q4 24
2.96×
1.29×
Q3 24
-0.13×
2.78×
Q2 24
0.69×

Financial Flow Comparison

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

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