(FNB) F.N.B. - Ratings and Ratios
Banking, Wealth, Insurance, Lending, Deposits
Dividends
| Dividend Yield | 2.74% |
| Yield on Cost 5y | 6.07% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 92.3% |
| Payout Ratio | 32.7% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 28.6% |
| Value at Risk 5%th | 43.8% |
| Relative Tail Risk | -7.09% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.36 |
| Alpha | -4.19 |
| CAGR/Max DD | 0.48 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.549 |
| Beta | 1.155 |
| Beta Downside | 1.357 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.59% |
| Mean DD | 10.65% |
| Median DD | 8.45% |
Description: FNB F.N.B. November 06, 2025
F.N.B. Corporation (NYSE:FNB) is a diversified bank-holding company that serves consumers, corporations, governments, and small- to medium-sized businesses across the United States through three operating segments: Community Banking, Wealth Management, and Insurance.
The Community Banking segment delivers a full suite of commercial and consumer services-including corporate and small-business banking, real-estate financing, business credit, capital-market and lease financing, as well as deposits, mortgages, consumer loans, and digital banking. Wealth Management offers fiduciary administration, brokerage, advisory, mutual-fund and annuity products, while the Insurance segment provides commercial and personal policies, reinsurance, and mezzanine financing for mid-market firms. The bank’s branch network spans Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia, and it has been operating since 1864 from its Pittsburgh headquarters.
Key recent metrics: as of Q3 2024, F.N.B. reported a net interest margin of 3.45%, a loan-to-deposit ratio of 78%, and a return on equity (ROE) of 12.3%, all above the regional-bank median. The company’s earnings are sensitive to the Federal Reserve’s policy cycle-higher rates typically boost net interest income but can pressure credit quality in its commercial loan portfolio. Additionally, the growing demand for digital banking services in the Mid-Atlantic region is a sector driver that could accelerate fee-based revenue growth.
For a deeper, data-driven look at how these fundamentals stack up against peers, you might explore the detailed analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (506.5m TTM) > 0 and > 6% of Revenue (6% = 158.1m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.72pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1286 % (prev -1281 %; Δ -4.50pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 680.0m > Net Income 506.5m (YES >=105%, WARN >=100%) |
| Net Debt (1.59b) to EBITDA (679.0m) ratio: 2.34 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.16 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (361.7m) change vs 12m ago -0.21% (target <= -2.0% for YES) |
| Gross Margin 60.34% (prev 59.77%; Δ 0.57pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.39% (prev 5.20%; Δ 0.19pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.63 (EBITDA TTM 679.0m / Interest Expense TTM 955.0m) >= 6 (WARN >= 3) |
Altman Z'' -4.17
| (A) -0.68 = (Total Current Assets 6.33b - Total Current Liabilities 40.21b) / Total Assets 49.89b |
| (B) 0.04 = Retained Earnings (Balance) 2.22b / Total Assets 49.89b |
| (C) 0.01 = EBIT TTM 606.0m / Avg Total Assets 48.93b |
| (D) 0.05 = Book Value of Equity 2.15b / Total Liabilities 43.25b |
| Total Rating: -4.17 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 66.37
| 1. Piotroski 4.50pt |
| 2. FCF Yield 12.20% |
| 3. FCF Margin 21.06% |
| 4. Debt/Equity 0.60 |
| 5. Debt/Ebitda 2.34 |
| 6. ROIC - WACC (= -3.27)% |
| 7. RoE 7.83% |
| 8. Rev. Trend 91.61% |
| 9. EPS Trend 30.39% |
What is the price of FNB shares?
Over the past week, the price has changed by +3.61%, over one month by +8.87%, over three months by +7.54% and over the past year by +13.28%.
Is FNB a buy, sell or hold?
- Strong Buy: 6
- Buy: 3
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the FNB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 18.8 | 7.4% |
| Analysts Target Price | 18.8 | 7.4% |
| ValueRay Target Price | 20.1 | 14.7% |
FNB Fundamental Data Overview December 09, 2025
P/E Trailing = 12.0786
P/E Forward = 9.7276
P/S = 3.8258
P/B = 0.9126
P/EG = 1.22
Beta = 0.944
Revenue TTM = 2.64b USD
EBIT TTM = 606.0m USD
EBITDA TTM = 679.0m USD
Long Term Debt = 2.23b USD (from longTermDebt, last quarter)
Short Term Debt = 1.77b USD (from shortTermDebt, last quarter)
Debt = 4.00b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.59b USD (from netDebt column, last quarter)
Enterprise Value = 4.55b USD (6.07b + Debt 4.00b - CCE 5.53b)
Interest Coverage Ratio = 0.63 (Ebit TTM 606.0m / Interest Expense TTM 955.0m)
FCF Yield = 12.20% (FCF TTM 555.0m / Enterprise Value 4.55b)
FCF Margin = 21.06% (FCF TTM 555.0m / Revenue TTM 2.64b)
Net Margin = 19.22% (Net Income TTM 506.5m / Revenue TTM 2.64b)
Gross Margin = 60.34% ((Revenue TTM 2.64b - Cost of Revenue TTM 1.04b) / Revenue TTM)
Gross Margin QoQ = 62.39% (prev 61.28%)
Tobins Q-Ratio = 0.09 (Enterprise Value 4.55b / Total Assets 49.89b)
Interest Expense / Debt = 5.92% (Interest Expense 237.0m / Debt 4.00b)
Taxrate = 21.05% (40.0m / 190.0m)
NOPAT = 478.4m (EBIT 606.0m * (1 - 21.05%))
Current Ratio = 0.16 (Total Current Assets 6.33b / Total Current Liabilities 40.21b)
Debt / Equity = 0.60 (Debt 4.00b / totalStockholderEquity, last quarter 6.64b)
Debt / EBITDA = 2.34 (Net Debt 1.59b / EBITDA 679.0m)
Debt / FCF = 2.87 (Net Debt 1.59b / FCF TTM 555.0m)
Total Stockholder Equity = 6.47b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.02% (Net Income 506.5m / Total Assets 49.89b)
RoE = 7.83% (Net Income TTM 506.5m / Total Stockholder Equity 6.47b)
RoCE = 6.96% (EBIT 606.0m / Capital Employed (Equity 6.47b + L.T.Debt 2.23b))
RoIC = 4.77% (NOPAT 478.4m / Invested Capital 10.02b)
WACC = 8.05% (E(6.07b)/V(10.08b) * Re(10.27%) + D(4.00b)/V(10.08b) * Rd(5.92%) * (1-Tc(0.21)))
Discount Rate = 10.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.70%
[DCF Debug] Terminal Value 64.70% ; FCFE base≈408.2m ; Y1≈308.8m ; Y5≈187.5m
Fair Price DCF = 7.03 (DCF Value 2.52b / Shares Outstanding 358.1m; 5y FCF grow -28.87% → 3.0% )
EPS Correlation: 30.39 | EPS CAGR: 8.69% | SUE: 1.78 | # QB: 4
Revenue Correlation: 91.61 | Revenue CAGR: 22.52% | SUE: 0.94 | # QB: 13
EPS next Quarter (2026-03-31): EPS=0.38 | Chg30d=+0.002 | Revisions Net=+3 | Analysts=7
EPS next Year (2026-12-31): EPS=1.71 | Chg30d=+0.009 | Revisions Net=+3 | Growth EPS=+14.1% | Growth Revenue=+8.2%
Additional Sources for FNB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle