F.N.B. (FNB) AI Stock Analysis

• Market Cap: $6.26B
• Dividend Yield: 2.75%
• Average Volume (3M): 5.11M
• Price to Earnings (P/E): 12.5
• Beta (1Y): 1.11
• Revenue Growth: 4.54%
• EPS Growth: 27.56%
• Country: US
• Employees: 4,104
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.41
• Shares Outstanding: 358,136,600
• 10 Day Avg. Volume: 5,031,478
• 30 Day Avg. Volume: 5,108,989
• PEG Ratio: -3.03
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 2.08
• P/FCF Ratio: 9.42
• Enterprise Value/Market Cap: 1.54
• Enterprise Value/Revenue: 3.65
• Enterprise Value/Gross Profit: 6.06
• Enterprise Value/Ebitda: 14.18
• 1Y Price Target: $18.80
• Price Target Upside: 7.61% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): 1.5
• Revenue Forecast (FY): $1.77B

• Rating: 75 Outperform
• Price Target: $18.50 ▲(5.90% Upside)

F.N.B. demonstrates strong financial performance with robust revenue growth and solid profitability, though cost management and rising debt levels are areas to watch. Technical indicators show a strong upward trend, and the stock's valuation is attractive with a reasonable P/E ratio and a decent dividend yield. These factors collectively contribute to a favorable stock score.

Positive Factors

Revenue Growth

The robust revenue growth indicates successful market expansion and product adoption, positioning F.N.B. for continued long-term success.

Cash Flow Generation

Strong cash flow generation supports F.N.B.'s ability to invest in growth opportunities and maintain financial flexibility over the long term.

Profitability Margins

Sustained profitability margins reflect efficient operations and the ability to manage costs effectively, ensuring long-term financial health.

Negative Factors

Rising Debt Levels

Rising debt levels may strain F.N.B.'s financial resources, limiting its ability to respond to market changes and invest in growth.

Cost Management

Inefficient cost management could erode profitability and hinder F.N.B.'s ability to compete effectively in the long term.

Gross Profit Margin Decline

A declining gross profit margin suggests potential cost pressures, which could impact profitability and competitive positioning.

F.N.B. Business Overview & Revenue Model

Company Description

F.N.B. Corporation, commonly referred to as FNB, is a diversified financial services company headquartered in Pittsburgh, Pennsylvania. It operates primarily in the banking sector and offers a wide range of services including commercial banking, consumer banking, wealth management, and insurance products. FNB serves various customer segments, including individuals, small businesses, and large corporations, by providing solutions such as loans, deposits, treasury management, and investment services.

How the Company Makes Money

F.N.B. generates revenue through several key streams. The primary source of income is net interest income, which comes from the difference between the interest earned on loans and the interest paid on deposits. Additionally, the company earns non-interest income from fees associated with its banking services, such as account maintenance fees, transaction fees, and wealth management services. FNB also engages in mortgage banking activities, which contribute to its earnings through origination and servicing fees. Strategic partnerships with other financial institutions and businesses enhance its service offerings and expand its customer base, further driving revenue growth.

F.N.B. Financial Statement Overview

Summary

F.N.B. shows strong revenue growth and healthy profitability margins, though cost management needs improvement. The balance sheet is solid with a reasonable debt-to-equity ratio, but rising debt levels are a concern. Cash flow generation is robust, yet conversion of income to cash could be better.

Income Statement

F.N.B. has demonstrated strong revenue growth with a TTM increase of 84.2%, indicating robust expansion. The gross profit margin has decreased over time, but the net profit margin remains healthy at 19.97% TTM. EBIT and EBITDA margins are stable, reflecting efficient operations. However, the declining gross profit margin suggests potential cost pressures.

Balance Sheet

The company's debt-to-equity ratio of 0.60 TTM is manageable, showing a balanced approach to leveraging. Return on equity is moderate at 7.83%, indicating decent profitability. The equity ratio is stable, suggesting a solid capital structure. However, the increasing debt levels over the years could pose future risks.

Cash Flow

F.N.B. has shown impressive free cash flow growth of 54.17% TTM, highlighting strong cash generation. The operating cash flow to net income ratio is low, indicating potential issues in converting income into cash. The free cash flow to net income ratio is healthy at 72.14%, suggesting efficient cash management despite some volatility in operating cash flows.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.64B	2.57B	2.23B	1.61B	1.33B	1.44B
Gross Profit	1.59B	1.52B	1.50B	1.38B	1.24B	1.11B
EBITDA	679.00M	622.00M	662.00M	626.00M	513.00M	340.00M
Net Income	506.51M	465.00M	485.00M	439.00M	405.00M	286.00M
Balance Sheet
Total Assets	49.89B	48.63B	46.16B	43.73B	39.51B	37.35B
Cash, Cash Equivalents and Short-Term Investments	5.53B	5.39B	4.83B	4.95B	6.92B	4.85B
Total Debt	4.00B	4.27B	4.48B	2.46B	2.22B	2.90B
Total Liabilities	43.25B	42.32B	40.11B	38.07B	34.36B	32.40B
Stockholders Equity	6.64B	6.30B	6.05B	5.65B	5.15B	4.96B
Cash Flow
Free Cash Flow	555.00M	567.00M	335.00M	1.12B	472.00M	72.00M
Operating Cash Flow	680.00M	706.00M	423.00M	1.22B	530.00M	113.00M
Investing Cash Flow	-1.74B	-1.77B	-2.26B	-3.06B	-153.00M	-1.82B
Financing Cash Flow	1.40B	1.90B	1.74B	18.00M	1.73B	2.49B

F.N.B. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.47
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNB, the sentiment is Positive. The current price of 17.47 is above the 20-day moving average (MA) of 16.69, above the 50-day MA of 16.03, and above the 200-day MA of 14.79, indicating a bullish trend. The MACD of 0.45 indicates Negative momentum. The RSI at 69.55 is Neutral, neither overbought nor oversold. The STOCH value of 75.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNB.

F.N.B. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UBSI	80 Outperform	$5.55B	12.96	8.24%	3.77%	8.83%	15.49%
HOMB	77 Outperform	$5.61B	12.42	11.20%	2.80%	1.43%	19.58%
FNB	75 Outperform	$6.26B	12.49	7.87%	2.75%	4.54%	27.56%
GBCI	74 Outperform	$5.76B	21.65	6.92%	2.98%	8.73%	26.19%
VLY	73 Outperform	$6.64B	13.57	7.07%	3.69%	-1.94%	41.35%
OZK	70 Outperform	$5.45B	7.76	12.35%	3.62%	2.79%	2.11%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

F.N.B. Corporate Events

F.N.B. Schedules Investor Meetings for November 2025

F.N.B. Corporation announced plans to hold one-on-one meetings with institutional investors and analysts on November 6, 2025, during its Investor Conference. The discussions will focus on the company’s strategies and recent financial performance, with key management members presenting. The investor presentation is available on the company’s website, emphasizing the importance of reviewing material information communicated through their Investor Relations section.