(FNB) F.N.B. - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 6.076m USD | Total Return: 29.7% in 12m
Avg Turnover: 70.8M
EPS Trend: -19.3%
Qual. Beats: 0
Rev. Trend: 95.3%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
F.N.B. Corporation is a financial holding company providing commercial banking, wealth management, and insurance services across the Mid-Atlantic and Southeast United States. Its operations are structured into three segments: Community Banking, which handles traditional deposit and lending activities; Wealth Management, focused on fiduciary and advisory services; and Insurance, which offers brokerage and mezzanine financing.
As a regional bank, F.N.B. relies heavily on net interest margin-the difference between interest earned on loans and interest paid on deposits-while diversifying revenue through fee-based insurance and investment products. This business model is common among mid-cap banks seeking to mitigate interest rate volatility by expanding non-interest income streams. For a deeper look into these financial metrics, ValueRay provides additional data points.
Founded in 1864 and headquartered in Pittsburgh, Pennsylvania, the company maintains a physical branch network spanning eight states and the District of Columbia. The firm targets a client base ranging from individual consumers to government entities and small-to-medium enterprises.
- Net interest margin fluctuates based on Federal Reserve benchmark interest rate shifts
- Loan portfolio growth depends on economic activity in Mid-Atlantic and Southeast regions
- Asset quality and credit loss provisions impact earnings during economic downturns
- Expansion of non-interest income through wealth management and insurance service fees
- Operational efficiency improvements driven by digital banking migration and branch optimization
| Net Income: 585.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.30 > 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 (772.7m): 4.80 < 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 0.59%; Δ 6.28k% > 0.5%) |
| Asset Turnover: 5.44% > 50% (prev 5.27%; Δ 0.16% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBITDA TTM 772.7m / 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: 0.05 (Book Value of Equity 2.35b / Total Liabilities 43.8b) |
| Altman-Z'' = -4.92 = D |
| DSRI: 43.16 (Receivables 34.3b/759.2m, Revenue 2.71b/2.58b) |
| GMI: 0.93 (GM 63.39% / 58.71%) |
| AQI: 1.14 (AQ_t 0.98 / AQ_t-1 0.86) |
| SGI: 1.05 (Revenue 2.71b / 2.58b) |
| TATA: 0.00 (NI 585.7m - CFO 569.0m) / TA 50.6b) |
| Beneish M = 31.72 (Cap -4..+1) = D |
As of May 24, 2026, the stock is trading at USD 17.48 with a total of 3,119,145 shares traded.
Over the past week, the price has changed by +2.69%,
over one month by -0.68%,
over three months by +1.23% and
over the past year by +29.72%.
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 | 20.6 | 18% |
P/E Forward = 9.7276
P/S = 3.5393
P/B = 0.9369
P/EG = 1.0457
Revenue TTM = 2.71b USD
EBIT TTM = 695.7m USD
EBITDA TTM = 772.7m USD
Long Term Debt = 1.90b USD (from longTermDebt, last fiscal year)
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 = 9.78b USD (6.08b + Debt 4.16b - CCE 452.0m)
Interest Coverage Ratio = 0.77 (Ebit TTM 695.7m / Interest Expense TTM 904.1m)
EV/FCF = 17.34x (Enterprise Value 9.78b / FCF TTM 564.0m)
FCF Yield = 5.77% (FCF TTM 564.0m / Enterprise Value 9.78b)
FCF Margin = 20.83% (FCF TTM 564.0m / 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 = 0.19 (Enterprise Value 9.78b / Total Assets 50.6b)
Interest Expense / Debt = 21.74% (Interest Expense 904.1m / Debt 4.16b)
Taxrate = 21.21% (36.9m / 173.9m)
NOPAT = 548.1m (EBIT 695.7m * (1 - 21.21%))
Current Ratio = 0.01 (Total Current Assets 452.0m / Total Current Liabilities 75.4b)
Debt / Equity = 0.61 (Debt 4.16b / totalStockholderEquity, last quarter 6.80b)
Debt / EBITDA = 4.80 (Net Debt 3.71b / EBITDA 772.7m)
Debt / FCF = 6.57 (Net Debt 3.71b / FCF TTM 564.0m)
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 = 8.11% (EBIT 695.7m / Capital Employed (Equity 6.68b + L.T.Debt 1.90b))
RoIC = 1.09% (NOPAT 548.1m / Invested Capital 50.4b)
WACC = 12.97% (E(6.08b)/V(10.2b) * Re(10.12%) + D(4.16b)/V(10.2b) * Rd(21.74%) * (1-Tc(0.21)))
Discount Rate = 10.12% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -64.44 | Cagr: -1.69%
[DCF] Terminal Value 64.53% ; FCFF base≈497.2m ; Y1≈570.0m ; Y5≈838.8m
[DCF] Fair Price = 9.02 (EV 6.92b - Net Debt 3.71b = Equity 3.21b / Shares 356.0m; r=12.97% [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=+0.62% | Revisions=+33% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.46 | Chg30d=+1.54% | Revisions=+43% | Analysts=7
EPS current Year (2026-12-31): EPS=1.73 | Chg30d=+0.52% | Revisions=+14% | GrowthEPS=+8.9% | GrowthRev=+7.8%
EPS next Year (2027-12-31): EPS=1.96 | Chg30d=+0.71% | Revisions=+20% | GrowthEPS=+13.3% | GrowthRev=+8.0%
[Analyst] Revisions Ratio: +43%