F.N.B. Corp (FNB)
NYSE:FNB
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F.N.B.
(NYSE:FNB)
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Rating:75Outperform
Price Target:
$20.00
â–²(11.48% Upside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by solid financial performance (strong profitability and revenue growth despite margin and cash-flow volatility) and a constructive earnings outlook with disciplined guidance and enhanced capital returns. Technicals are supportive with an uptrend and positive momentum, while valuation remains attractive with a low P/E and a moderate dividend yield.
Positive Factors
Revenue & Profit Growth
Sustained, multi‑period revenue expansion (TTM ~48.5%) with mid‑20% operating profitability and net margin near 21.6% indicates durable demand for core banking products and improving scale. This underpins long‑term earnings power even if margins ebb and flow.
Negative Factors
NIM Pressure & Deposit Pricing
Structural deposit pricing competition and rate‑timing effects compress net interest margin, a core profit driver for regional banks. A sustained higher deposit beta and competitive funding needs can materially restrain NII and limit reinvestment potential over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Profit Growth
Sustained, multi‑period revenue expansion (TTM ~48.5%) with mid‑20% operating profitability and net margin near 21.6% indicates durable demand for core banking products and improving scale. This underpins long‑term earnings power even if margins ebb and flow.
Read all positive factors
F.N.B. (FNB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.08B
Dividend Yield2.73%
Average Volume (3M)8.66M
Price to Earnings (P/E)11.0
Beta (1Y)1.12
Revenue Growth3.99%
EPS Growth27.92%
CountryUS
Employees4,104
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.62
Shares Outstanding355,963,960
10 Day Avg. Volume9,311,248
30 Day Avg. Volume8,660,329
Financial Highlights & Ratios
PEG Ratio0.46
Price to Book (P/B)0.91
Price to Sales (P/S)2.28
P/FCF Ratio16.33
Enterprise Value/Market Cap1.61
Enterprise Value/Revenue3.61
Enterprise Value/Gross Profit5.70
Enterprise Value/Ebitda13.35
Forecast
1Y Price Target
$20.25Price Target Upside12.88% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)1.72
Revenue Forecast (FY)$1.90B
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, Wealt...
How the Company Makes Money
F.N.B. Corporation primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned on the spread between interest income generated from interest-earning assets (such as commercial loans, consumer loa...
F.N.B. Earnings Call Summary
Earnings Call Date:Apr 16, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 22, 2026
Earnings Call Sentiment Positive
The call emphasized strong fundamental performance — double-digit EPS and NII growth year-over-year, solid loan growth acceleration late in the quarter, improved efficiency, robust capital metrics and expanded shareholder returns (dividend increase and buyback authorization). Management is investing heavily in AI/digital, fee-generating businesses and customer-primacy initiatives that should drive longer-term revenue and efficiency benefits. Headwinds include short-term NIM pressure from Fed-timing and seasonal funding, deposit pricing competition, and elevated near-term noninterest expense due to strategic investments. Asset quality remains resilient with strong coverage metrics, though CRE payoffs and slight upticks in delinquencies/NPLs warrant monitoring. Given the quantity and materiality of positive outcomes relative to manageable challenges, the overall tone is constructive and the company appears well-positioned to grow while returning capital to shareholders.Positive Updates
Strong Profitability and EPS Growth
Net income of $137 million and diluted EPS of $0.38, an increase of 19% year-over-year, underpinned by continued profitability and positive operating leverage.
Negative Updates
NIM Pressure from Fed-Timing and Seasonal Funding
Quarter NIM was 3.25%, down 3 basis points sequentially due to the timing of the December 2025 Fed cut and normal seasonal deposit outflows; management noted short-term borrowings temporarily funded deposits, pressuring margin in Q1.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Profitability and EPS Growth
Net income of $137 million and diluted EPS of $0.38, an increase of 19% year-over-year, underpinned by continued profitability and positive operating leverage.
Read all positive updates
Company Guidance
FNB maintained its 2026 guidance, projecting period‑end loans and deposits to grow mid‑single digits and full‑year net interest income of $1.495–$1.535 billion (Q2 NII $370–$380M) while assuming no Fed cuts in 2026; full‑year noninterest income of $370–$390M (Q2 $90–$95M) and noninterest expense of $1.00–$1.02B—now expected toward the higher end of that range (Q2 $250–$255M)—with management still expecting strong positive operating leverage. Full‑year provision expense is guided to $85–$105M and the effective tax rate to 21–22%; the March exit NIM was 3.30% (Q1 NIM 3.25%) and cumulative spot deposit beta since the Fed cuts began was 27%. Capital remains strong (CET1 11.4%, TCE nearly 9%), the Board approved an incremental $250M share repurchase (leaving $300M of repurchase capacity after $35M bought in Q1), and the quarterly dividend was increased 8% to $0.13 per share beginning in June.F.N.B. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
64
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.71B | 2.69B | 2.57B | 2.23B | 1.61B | 1.33B |
| Gross Profit | 1.72B | 1.68B | 1.52B | 1.50B | 1.38B | 1.24B |
| EBITDA | 732.68M | 669.36M | 622.00M | 662.00M | 626.00M | 513.00M |
| Net Income | 585.74M | 565.39M | 465.00M | 485.00M | 439.00M | 405.00M |
Balance Sheet | ||||||
| Total Assets | 50.63B | 50.23B | 48.63B | 46.16B | 43.73B | 39.51B |
| Cash, Cash Equivalents and Short-Term Investments | 452.00M | 6.22B | 5.39B | 4.83B | 4.95B | 6.92B |
| Total Debt | 4.16B | 3.92B | 4.27B | 4.48B | 2.46B | 2.22B |
| Total Liabilities | 43.83B | 43.47B | 42.32B | 40.11B | 38.07B | 34.36B |
| Stockholders Equity | 6.80B | 6.76B | 6.30B | 6.05B | 5.65B | 5.15B |
Cash Flow | ||||||
| Free Cash Flow | 466.00M | 376.00M | 503.00M | 335.00M | 1.12B | 472.00M |
| Operating Cash Flow | 569.00M | 482.00M | 642.00M | 423.00M | 1.22B | 530.00M |
| Investing Cash Flow | -1.45B | -1.49B | -1.70B | -2.26B | -3.06B | -153.00M |
| Financing Cash Flow | 1.10B | 1.08B | 1.90B | 1.74B | 18.00M | 1.73B |
F.N.B. Technical Analysis
Positive
17.94
Price Trends
17.17
Positive
17.18
Positive
16.38
Positive
Market Momentum
0.29
Negative
62.12
Neutral
69.95
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 17.94 is above the 20-day moving average (MA) of 17.04, above the 50-day MA of 17.17, and above the 200-day MA of 16.38, indicating a bullish trend. The MACD of 0.29 indicates Negative momentum. The RSI at 62.12 is Neutral, neither overbought nor oversold. The STOCH value of 69.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNB.
F.N.B. Risk Analysis
F.N.B. disclosed 38 risk factors in its most recent earnings report. F.N.B. reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
F.N.B. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $6.08B | 11.00 | 8.77% | 2.73% | 3.99% | 27.92% | |
73 Outperform | $5.30B | 7.77 | 11.63% | 3.68% | 0.67% | 0.52% | |
73 Outperform | $5.76B | 11.64 | 9.26% | 3.77% | 10.93% | 32.14% | |
72 Outperform | $5.17B | 11.22 | 11.29% | 2.85% | 0.57% | 15.88% | |
71 Outperform | $5.93B | 17.68 | 6.83% | 2.89% | 18.22% | 14.79% | |
70 Outperform | $7.16B | 10.41 | 8.49% | 3.69% | -0.22% | 62.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
FNB
F.N.B.
17.07
3.15
22.61%
OZK
Bank OZK
46.73
1.85
4.13%
GBCI
Glacier Bancorp
45.56
4.25
10.30%
HOMB
Home Bancshares
25.68
-2.68
-9.44%
UBSI
United Bankshares
41.77
5.89
16.42%
VLY
Valley National Bancorp
12.93
4.25
48.89%
F.N.B. Corporate Events
Executive/Board ChangesShareholder Meetings
F.N.B. Shareholders Back Board, Pay and Auditor
Positive
May 8, 2026
At its annual meeting held on May 6, 2026, F.N.B. Corporation shareholders elected all ten board nominees to serve until the 2027 annual meeting, with most directors receiving strong majority support despite some variation in withhold votes. This ...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
F.N.B. Boosts Dividend and Launches New Buyback Program
Positive
Apr 14, 2026
On April 14, 2026, F.N.B. Corporation announced an 8% increase in its quarterly common stock cash dividend to $0.13 per share, payable June 15, 2026 to shareholders of record on June 1, reflecting confidence in its capital strength and sustained f...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.