FNB Stock Analysis: F.N.B. | NYSE
Banks - Regional | NYSE, USA | Market Cap: 6.208m USD | 12M Return: 12.9% | US3025201019 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 70.1M
EPS Trend: 23.0%
Qual. Beats: 0
Rev. Trend: 95.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
F.N.B. Corporation (FNB) is a U.S. bank and financial holding company that provides consumer, commercial, and government financial services through three operating segments: Community Banking, Wealth Management, and Insurance. The bank holding company structure allows FNB to operate traditional banking subsidiaries alongside non-bank financial businesses such as insurance and wealth management under a single corporate umbrella, a common arrangement among U.S. regional banks.
The Community Banking segment provides commercial
- Net interest margin expansion lifts community banking profitability
- Commercial real estate loan exposure faces credit cycle risk
- Fee income growth from wealth and insurance diversifies revenue mix
| Net Income: 604.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.50 > 1.0 |
| NWC/Revenue: -83.24% < 20% (prev -1.27k%; Δ 1.19k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 704.0m > Net Income 604.5m |
| Net Debt (4.54b) to EBITDA (805.7m): 5.64 < 3 |
| Current Ratio: 0.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (357.4m) vs 12m ago -1.34% < -2% |
| Gross Margin: 64.41% > 18% (prev 59.17%; Δ 5.25% > 0.5%) |
| Asset Turnover: 5.38% > 50% (prev 5.26%; Δ 0.12% > 0%) |
| Interest Coverage Ratio: 0.81 > 6 (EBIT TTM 717.7m / Interest Expense TTM 881.3m) |
| A: -0.04 (Total Current Assets 426.0m - Total Current Liabilities 2.68b) / Total Assets 51.0b |
| B: 0.05 (Retained Earnings 2.54b / Total Assets 51.0b) |
| C: 0.01 (EBIT TTM 717.7m / Avg Total Assets 50.4b) |
| D: 0.15 (Book Value of Equity 6.84b / Total Liabilities 44.2b) |
| Altman-Z'' = 0.13 = B |
| DSRI: 0.17 (Receivables 136.0m/751.1m, Revenue 2.71b/2.61b) |
| GMI: 0.92 (GM 59.17% / 64.41%) |
| AQI: 1.14 (AQ_t 0.98 / AQ_t-1 0.86) |
| SGI: 1.04 (Revenue 2.71b / 2.61b) |
| TATA: -0.00 (NI 604.5m - CFO 704.0m) / TA 51.0b) |
| Beneish M = -3.67 (Cap -4..+1) = AAA |
As of September 27, 2026, the stock is trading at USD 17.64 with a total of 4,552,894 shares traded. Over the past week, the price has changed by -1.62%, over one month by -3.28%, over three months by -7.17% and over the past year by +12.85%.
Current recommended Stop Loss: 17.10 (which is 3.1% or 1.6 ATR below the current price).
F.N.B. has received a consensus analysts rating of 4.67. Therefore, it is recommended to buy FNB.
- StrongBuy: 6
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 20.9 | 18.7% |
P/E Trailing = 10.3195
P/E Forward = 9.7276
P/S = 3.5578
P/B = 0.9005
P/EG = 1.0457
Revenue TTM = 2.71b USD
EBIT TTM = 717.7m USD
EBITDA TTM = 805.7m USD
Long Term Debt = 2.13b USD (from longTermDebt, last quarter)
Short Term Debt = 2.72b USD (from shortTermDebt, last quarter)
Debt = 4.97b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.54b USD (calculated: Debt 4.97b - CCE 426.0m)
Enterprise Value = 10.8b USD (6.21b + Debt 4.97b - CCE 426.0m)
Interest Coverage Ratio = 0.81 (Ebit TTM 717.7m / Interest Expense TTM 881.3m)
EV/FCF = 17.29x (Enterprise Value 10.8b / FCF TTM 622.0m)
FCF Yield = 5.78% (FCF TTM 622.0m / Enterprise Value 10.8b)
FCF Margin = 22.96% (FCF TTM 622.0m / Revenue TTM 2.71b)
Net Margin = 22.31% (Net Income TTM 604.5m / Revenue TTM 2.71b)
Gross Margin = 64.41% ((Revenue TTM 2.71b - Cost of Revenue TTM 964.0m) / Revenue TTM)
Gross Margin QoQ = 65.38% (prev 65.40%)
Tobins Q-Ratio = 0.21 (Enterprise Value 10.8b / Total Assets 51.0b)
Interest Expense / Debt = 17.73% (Interest Expense 881.3m / Debt 4.97b)
Taxrate = 15.78% (113.3m / 717.7m)
NOPAT = 604.5m (EBIT 717.7m * (1 - 15.78%))
Current Ratio = 0.16 (Total Current Assets 426.0m / Total Current Liabilities 2.68b)
Debt / Equity = 0.73 (Debt 4.97b / totalStockholderEquity, last quarter 6.84b)
Debt / EBITDA = 5.64 (Net Debt 4.54b / EBITDA 805.7m)
Debt / FCF = 7.31 (Net Debt 4.54b / FCF TTM 622.0m)
Total Stockholder Equity = 6.76b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.20% (Net Income 604.5m / Total Assets 51.0b)
RoE = 8.94% (Net Income TTM 604.5m / Total Stockholder Equity 6.76b)
RoCE = 8.07% (EBIT 717.7m / Capital Employed (Equity 6.76b + L.T.Debt 2.13b))
RoIC = 1.19% (NOPAT 604.5m / Invested Capital 50.9b)
WACC = 11.81% (E(6.21b)/V(11.2b) * Re(9.31%) + D(4.97b)/V(11.2b) * Rd(17.73%) * (1-Tc(0.16)))
Discount Rate = 9.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -65.61 | Cagr: -0.64%
[DCF] Terminal Value 67.62% ; FCFF base≈517.2m ; Y1≈592.9m ; Y5≈872.6m
[DCF] Fair Price = 10.07 (EV 8.13b - Net Debt 4.54b = Equity 3.58b / Shares 356.0m; r=11.81% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 23.04 | EPS CAGR: 1.91% | SUE: 0.0 | # QB: 0
Revenue Correlation: 95.47 | Revenue CAGR: 8.43% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.43 | Chg30d=+0.14% | Revisions=-70% | Analysts=9
EPS current Year (2026-12-31): EPS=1.69 | Chg30d=+0.04% | Revisions=-70% | GrowthEPS=+6.2% | GrowthRev=+6.3%
EPS next Year (2027-12-31): EPS=1.87 | Chg30d=-0.35% | Revisions=-70% | GrowthEPS=+10.6% | GrowthRev=+6.2%
[Analyst] Revisions Ratio: -88% (up=0, down=21)