(FNB) F.N.B. - Overview
Stock: Banking, Lending, Investments, Insurance, Wealth
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.16% |
| Yield on Cost 5y | 5.33% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 91.0% |
| Payout Ratio | 30.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 28.7% |
| Relative Tail Risk | -7.00% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.68 |
| Alpha | 7.51 |
| Character TTM | |
|---|---|
| Beta | 1.107 |
| Beta Downside | 1.313 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.59% |
| CAGR/Max DD | 0.41 |
Description: FNB F.N.B. January 09, 2026
F.N.B. Corporation (NYSE:FNB) is a diversified financial holding company that serves consumers, corporations, governments, and SMBs across the United States through three operating segments: Community Banking, Wealth Management, and Insurance. Its Community Banking arm delivers commercial and consumer services-including corporate and small-business lending, real-estate financing, and digital banking-while the Wealth Management segment offers fiduciary, brokerage, advisory, mutual-fund and annuity products. The Insurance segment provides commercial and personal policies, reinsurance, and mezzanine financing for mid-size firms. The firm maintains a branch network in the Mid-Atlantic and Southeast, with its headquarters in Pittsburgh, Pennsylvania, and a corporate history dating back to 1864.
Key recent metrics: as of Q4 2023, F.N.B. reported a net interest margin of 3.45%, slightly above the regional-bank average of 3.2%, and loan growth of 5.2% YoY, driven largely by commercial real-estate and SME lending. Deposits rose 4.8% YoY to $31 billion, reflecting continued consumer preference for higher-yield savings products amid a 5.25% federal funds rate. The bank’s return on equity (ROE) stands at 11.3%, consistent with its peers, but its efficiency ratio has improved to 58%, indicating tighter cost control.
For a deeper dive into F.N.B.’s valuation dynamics and scenario analysis, consider exploring the company’s profile on ValueRay to see how its fundamentals stack up against sector benchmarks.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 565.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.48 > 1.0 |
| NWC/Revenue: 11.21% < 20% (prev -1249 %; Δ 1261 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 354.0m > Net Income 565.2m |
| Net Debt (1.42b) to EBITDA (724.7m): 1.96 < 3 |
| Current Ratio: 1.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (362.0m) vs 12m ago -1.16% < -2% |
| Gross Margin: 62.30% > 18% (prev 0.59%; Δ 6171 % > 0.5%) |
| Asset Turnover: 5.45% > 50% (prev 5.28%; Δ 0.17% > 0%) |
| Interest Coverage Ratio: 0.54 > 6 (EBITDA TTM 724.7m / Interest Expense TTM 930.0m) |
Altman Z'' 0.32
| A: 0.01 (Total Current Assets 41.08b - Total Current Liabilities 40.78b) / Total Assets 50.23b |
| B: 0.05 (Retained Earnings 2.34b / Total Assets 50.23b) |
| C: 0.01 (EBIT TTM 504.0m / Avg Total Assets 49.43b) |
| D: 0.05 (Book Value of Equity 2.28b / Total Liabilities 43.47b) |
| Altman-Z'' Score: 0.32 = B |
Beneish M 1.00
| DSRI: 44.10 (Receivables 34.34b/742.0m, Revenue 2.70b/2.57b) |
| GMI: 0.95 (GM 62.30% / 59.04%) |
| AQI: 0.20 (AQ_t 0.17 / AQ_t-1 0.86) |
| SGI: 1.05 (Revenue 2.70b / 2.57b) |
| TATA: 0.00 (NI 565.2m - CFO 354.0m) / TA 50.23b) |
| Beneish M-Score: 31.96 (Cap -4..+1) = D |
What is the price of FNB shares?
Over the past week, the price has changed by +7.69%, over one month by +6.78%, over three months by +20.72% and over the past year by +22.27%.
Is FNB a buy, sell or hold?
- StrongBuy: 6
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FNB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 19.9 | 5.4% |
| Analysts Target Price | 19.9 | 5.4% |
| ValueRay Target Price | 21.8 | 15.2% |
FNB Fundamental Data Overview February 07, 2026
P/E Forward = 9.7276
P/S = 3.9651
P/B = 0.9827
P/EG = 1.22
Revenue TTM = 2.70b USD
EBIT TTM = 504.0m USD
EBITDA TTM = 724.7m USD
Long Term Debt = 1.90b USD (from longTermDebt, last quarter)
Short Term Debt = 2.02b USD (from shortTermDebt, last quarter)
Debt = 3.92b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.42b USD (from netDebt column, last quarter)
Enterprise Value = 4.35b USD (6.66b + Debt 3.92b - CCE 6.22b)
Interest Coverage Ratio = 0.54 (Ebit TTM 504.0m / Interest Expense TTM 930.0m)
EV/FCF = 15.71x (Enterprise Value 4.35b / FCF TTM 277.0m)
FCF Yield = 6.37% (FCF TTM 277.0m / Enterprise Value 4.35b)
FCF Margin = 10.28% (FCF TTM 277.0m / Revenue TTM 2.70b)
Net Margin = 20.97% (Net Income TTM 565.2m / Revenue TTM 2.70b)
Gross Margin = 62.30% ((Revenue TTM 2.70b - Cost of Revenue TTM 1.02b) / Revenue TTM)
Gross Margin QoQ = 64.56% (prev 62.39%)
Tobins Q-Ratio = 0.09 (Enterprise Value 4.35b / Total Assets 50.23b)
Interest Expense / Debt = 5.67% (Interest Expense 222.0m / Debt 3.92b)
Taxrate = 15.53% (104.0m / 669.4m)
NOPAT = 425.7m (EBIT 504.0m * (1 - 15.53%))
Current Ratio = 1.01 (Total Current Assets 41.08b / Total Current Liabilities 40.78b)
Debt / Equity = 0.58 (Debt 3.92b / totalStockholderEquity, last quarter 6.76b)
Debt / EBITDA = 1.96 (Net Debt 1.42b / EBITDA 724.7m)
Debt / FCF = 5.13 (Net Debt 1.42b / FCF TTM 277.0m)
Total Stockholder Equity = 6.58b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 565.2m / Total Assets 50.23b)
RoE = 8.58% (Net Income TTM 565.2m / Total Stockholder Equity 6.58b)
RoCE = 5.94% (EBIT 504.0m / Capital Employed (Equity 6.58b + L.T.Debt 1.90b))
RoIC = 4.25% (NOPAT 425.7m / Invested Capital 10.02b)
WACC = 8.06% (E(6.66b)/V(10.58b) * Re(9.99%) + D(3.92b)/V(10.58b) * Rd(5.67%) * (1-Tc(0.16)))
Discount Rate = 9.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.67%
[DCF Debug] Terminal Value 73.01% ; FCFF base≈367.4m ; Y1≈277.9m ; Y5≈168.4m
Fair Price DCF = 4.76 (EV 3.12b - Net Debt 1.42b = Equity 1.70b / Shares 357.3m; r=8.06% [WACC]; 5y FCF grow -28.87% → 2.90% )
EPS Correlation: 36.96 | EPS CAGR: 19.05% | SUE: 4.00 | # QB: 5
Revenue Correlation: 89.14 | Revenue CAGR: 21.06% | SUE: 3.61 | # QB: 14
EPS next Quarter (2026-03-31): EPS=0.38 | Chg30d=+0.004 | Revisions Net=+0 | Analysts=7
EPS current Year (2026-12-31): EPS=1.72 | Chg30d=+0.012 | Revisions Net=+0 | Growth EPS=+8.2% | Growth Revenue=+7.7%
EPS next Year (2027-12-31): EPS=1.96 | Chg30d=+0.030 | Revisions Net=+1 | Growth EPS=+13.8% | Growth Revenue=+8.3%