FNB Stock Analysis: F.N.B. | NYSE
Banks - Regional | NYSE, USA | Market Cap: 6.774m USD | 12M Return: 25.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 82.0M
EPS Trend: -19.3%
Qual. Beats: 0
Rev. Trend: 95.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 585.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.25 > 1.0 |
| NWC/Revenue: -1.49k% < 20% (prev -1.27k%; Δ -218.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 569.0m > Net Income 585.7m |
| Net Debt (3.71b) to EBITDA (777.7m): 4.77 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (360.2m) vs 12m ago -1.06% < -2% |
| Gross Margin: 63.39% > 18% (prev 58.71%; Δ 4.68% > 0.5%) |
| Asset Turnover: 5.44% > 50% (prev 5.27%; Δ 0.16% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBIT TTM 695.7m / Interest Expense TTM 904.1m) |
| A: -0.80 (Total Current Assets 452.0m - Total Current Liabilities 40.8b) / Total Assets 50.6b |
| B: 0.05 (Retained Earnings 2.44b / Total Assets 50.6b) |
| C: 0.01 (EBIT TTM 695.7m / Avg Total Assets 49.8b) |
| D: 0.16 (Book Value of Equity 6.80b / Total Liabilities 43.8b) |
| Altman-Z'' = -4.81 = D |
As of July 08, 2026, the stock is trading at USD 18.87 with a total of 4,497,131 shares traded. Over the past week, the price has changed by -1.56%, over one month by +6.55%, over three months by +11.50% and over the past year by +25.18%.
Current recommended Stop Loss: 18.30 (which is 3% or 1.5 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 | 20.8 | 10% |
P/E Trailing = 11.7469
P/E Forward = 10.2354
P/S = 3.9457
P/B = 0.996
P/EG = 1.0457
Revenue TTM = 2.71b USD
EBIT TTM = 695.7m USD
EBITDA TTM = 777.7m USD
Long Term Debt = 2.13b USD (from longTermDebt, last quarter)
Short Term Debt = 2.16b USD (from shortTermDebt, last quarter)
Debt = 4.16b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.71b USD (calculated: Debt 4.16b - CCE 452.0m)
Enterprise Value = 10.5b USD (6.77b + Debt 4.16b - CCE 452.0m)
Interest Coverage Ratio = 0.77 (Ebit TTM 695.7m / Interest Expense TTM 904.1m)
EV/FCF = 22.49x (Enterprise Value 10.5b / FCF TTM 466.0m)
FCF Yield = 4.45% (FCF TTM 466.0m / Enterprise Value 10.5b)
FCF Margin = 17.21% (FCF TTM 466.0m / Revenue TTM 2.71b)
Net Margin = 21.63% (Net Income TTM 585.7m / Revenue TTM 2.71b)
Gross Margin = 63.39% ((Revenue TTM 2.71b - Cost of Revenue TTM 991.4m) / Revenue TTM)
Gross Margin QoQ = 65.40% (prev 64.56%)
Tobins Q-Ratio = 0.21 (Enterprise Value 10.5b / Total Assets 50.6b)
Interest Expense / Debt = 21.74% (Interest Expense 904.1m / Debt 4.16b)
Taxrate = 15.80% (109.9m / 695.7m)
NOPAT = 585.7m (EBIT 695.7m * (1 - 15.80%))
Current Ratio = 0.01 (Total Current Assets 452.0m / Total Current Liabilities 40.8b)
Debt / Equity = 0.61 (Debt 4.16b / totalStockholderEquity, last quarter 6.80b)
Debt / EBITDA = 4.77 (Net Debt 3.71b / EBITDA 777.7m)
Debt / FCF = 7.95 (Net Debt 3.71b / FCF TTM 466.0m)
Total Stockholder Equity = 6.68b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 585.7m / Total Assets 50.6b)
RoE = 8.77% (Net Income TTM 585.7m / Total Stockholder Equity 6.68b)
RoCE = 7.89% (EBIT 695.7m / Capital Employed (Equity 6.68b + L.T.Debt 2.13b))
RoIC = 1.16% (NOPAT 585.7m / Invested Capital 50.5b)
WACC = 12.94% (E(6.77b)/V(10.9b) * Re(9.64%) + D(4.16b)/V(10.9b) * Rd(21.74%) * (1-Tc(0.16)))
Discount Rate = 9.64% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -64.44 | Cagr: -1.69%
[DCF] Terminal Value 64.61% ; FCFF base≈411.6m ; Y1≈471.8m ; Y5≈694.4m
[DCF] Fair Price = 5.73 (EV 5.75b - Net Debt 3.71b = Equity 2.04b / Shares 356.0m; r=12.94% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -19.30 | EPS CAGR: -1.43% | SUE: 0.0 | # QB: 0
Revenue Correlation: 95.33 | Revenue CAGR: 10.67% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.42 | Chg30d=+0.00% | Revisions=+40% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.46 | Chg30d=+0.00% | Revisions=+50% | Analysts=7
EPS current Year (2026-12-31): EPS=1.73 | Chg30d=+0.00% | Revisions=+17% | GrowthEPS=+8.9% | GrowthRev=+7.8%
EPS next Year (2027-12-31): EPS=1.96 | Chg30d=+0.00% | Revisions=+22% | GrowthEPS=+13.3% | GrowthRev=+8.1%
[Analyst] Revisions Ratio: +47% (up=11, down=3)