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

• Market Cap: $6.29B
• Dividend Yield: 2.73%
• Average Volume (3M): 4.85M
• Price to Earnings (P/E): 11.3
• 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): 0.50
• Shares Outstanding: 358,136,600
• 10 Day Avg. Volume: 6,513,030
• 30 Day Avg. Volume: 4,849,813
• PEG Ratio: 0.46
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 2.28
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.23
• Enterprise Value/Revenue: 2.86
• Enterprise Value/Gross Profit: 4.59
• Enterprise Value/Ebitda: 10.63
• 1Y Price Target: $19.70
• Price Target Upside: 12.25% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 5
• EPS Forecast (FY): 1.71
• Revenue Forecast (FY): $1.92B

• Rating: 72 Outperform
• Price Target: $19.00 ▲(8.26% Upside)

The score is driven primarily by solid financial performance (strong growth and profitability with some margin/cash-conversion and rising-debt cautions) and attractive valuation (low P/E with a supportive dividend yield). Earnings-call tone and guidance were positive but tempered by rate-sensitivity and near-term loan/expense pressures, while technicals are broadly neutral.

Positive Factors

Revenue and Profitability Growth

Sustained top-line and operating earnings growth indicate durable demand across FNB’s diversified banking, wealth and fee businesses. Consistent revenue expansion supports reinvestment in tech, margin resilience, and capital returns, underpinning multi-quarter strategic execution.

Net Interest Income and Margin

A structurally strong NII and expanding NIM demonstrate the bank’s ability to manage asset-liability spread and deposit pricing over cycles. Durable NII is the core earnings engine for regional banks, supporting profitability even as fee streams fluctuate and enabling funding for growth and capital.

Capital Base and Asset Quality

Healthy capital ratios combined with very low NPLs and high coverage indicate strong loss-absorbing capacity and conservative underwriting. This structural strength supports regulatory flexibility, disciplined lending, and the ability to sustain dividends or buybacks through moderate stress periods.

Negative Factors

Rising Debt Levels

Although current debt-to-equity is manageable, an upward trend in leverage reduces financial flexibility and raises interest expense sensitivity. Over several quarters this can constrain capital allocation, limit buybacks/dividends and amplify downside if earnings or margins weaken.

Weak Cash Conversion

Low conversion of reported earnings into operating cash suggests earnings quality or timing differences and creates structural risk to liquidity. Over months this can limit internally generated funding for loan growth, tech investments, or shareholder returns without increasing external financing.

Rate and Loan-Volume Sensitivity

Business guidance closely tied to assumed Fed moves and noted loan payoffs/secondary market exits create structural earnings and margin risk. If rate or loan trends diverge, NII, provisions and loan growth could underperform, requiring sustained origination to offset attrition.

F.N.B. Business Overview & Revenue Model

Company Description

F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, Wealth Management, and Insurance. It offers commercial banking solutions, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. The company also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services; and wealth management services comprising personal and corporate fiduciary services comprising administration of decedent and trust estates; securities brokerage and investment advisory services, mutual funds, and annuities; and commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. As of December 31, 2021, it operated 334 banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.

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

Financial statements indicate solid overall health: strong TTM revenue growth and a healthy net profit margin support earnings strength, while a manageable debt-to-equity ratio suggests balance-sheet flexibility. Offsetting factors include a declining gross margin, rising debt over time, and a low operating cash flow to net income ratio that points to weaker earnings-to-cash conversion.

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	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.69B	2.57B	2.23B	1.61B	1.33B
Gross Profit	1.68B	1.52B	1.50B	1.38B	1.24B
EBITDA	669.36M	622.00M	662.00M	626.00M	513.00M
Net Income	565.39M	465.00M	485.00M	439.00M	405.00M
Balance Sheet
Total Assets	50.23B	48.63B	46.16B	43.73B	39.51B
Cash, Cash Equivalents and Short-Term Investments	6.22B	5.39B	4.83B	4.95B	6.92B
Total Debt	3.92B	4.27B	4.48B	2.46B	2.22B
Total Liabilities	43.47B	42.32B	40.11B	38.07B	34.36B
Stockholders Equity	6.76B	6.30B	6.05B	5.65B	5.15B
Cash Flow
Free Cash Flow	0.00	503.00M	335.00M	1.12B	472.00M
Operating Cash Flow	0.00	642.00M	423.00M	1.22B	530.00M
Investing Cash Flow	0.00	-1.70B	-2.26B	-3.06B	-153.00M
Financing Cash Flow	0.00	1.90B	1.74B	18.00M	1.73B

F.N.B. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.55
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 17.55 is above the 20-day moving average (MA) of 17.44, above the 50-day MA of 17.16, and above the 200-day MA of 15.49, indicating a bullish trend. The MACD of 0.08 indicates Positive momentum. The RSI at 53.32 is Neutral, neither overbought nor oversold. The STOCH value of 33.86 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	$5.94B	12.94	8.84%	3.77%	8.83%	15.49%
GBCI	74 Outperform	$6.59B	25.47	6.92%	2.89%	8.73%	26.19%
FNB	72 Outperform	$6.29B	11.25	8.66%	2.73%	4.54%	27.56%
HOMB	71 Outperform	$5.67B	12.01	11.20%	2.85%	1.43%	19.58%
OZK	70 Outperform	$5.39B	7.70	12.09%	3.68%	2.79%	2.11%
VLY	69 Neutral	$6.95B	12.34	7.85%	3.69%	-1.94%	41.35%
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.

The most recent analyst rating on (FNB) stock is a Buy with a $17.50 price target. To see the full list of analyst forecasts on F.N.B. stock, see the FNB Stock Forecast page.