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

• Market Cap: $4.90B
• Dividend Yield: 3.52%
• Average Volume (3M): 2.18M
• Price to Earnings (P/E): 10.7
• Beta (1Y): 1.17
• Revenue Growth: 10.34%
• EPS Growth: 2.54%
• Country: US
• Employees: 4,104
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 359,806,400
• 10 Day Avg. Volume: 2,560,409
• 30 Day Avg. Volume: 2,180,110
• PEG Ratio: 6.13
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 19.37
• Enterprise Value/Market Cap: 1.65
• Enterprise Value/Revenue: 0.82
• Enterprise Value/Gross Profit: 5.34
• Enterprise Value/Ebitda: 3.37
• 1Y Price Target: $16.00
• Price Target Upside: 17.47% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 76 Outperform
• Price Target: $15.50 ▲(13.80%Upside)

F.N.B.'s overall stock score is supported by strong financial performance and a positive earnings call sentiment. While the technical analysis suggests a neutral trend, the solid valuation and positive corporate events further bolster the score. Financial stability and prudent management are key strengths.

Positive Factors

Financial Performance

Loan and deposit growth exceeded expectations, with loans increasing by 0.9% and deposits by 0.4% quarter-over-quarter.

Strategic Initiatives

Management introduced a new slide in the earnings presentation that may address the limited upward EPS revisions by focusing on strategic objectives to drive diversified fee income growth.

Negative Factors

Capital Position

FNB is not rewarded for its improved capital position, as investor caution persists due to capital levels.

Investor Sentiment

Short interest appears elevated, which might indicate investor skepticism about the stock's performance.

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

FNB generates revenue through a variety of channels primarily centered around its banking and financial service offerings. The company earns interest income by providing loans to individuals and businesses, including commercial real estate, consumer loans, and residential mortgages. Additionally, FNB collects non-interest income through fees and services such as deposit accounts, credit cards, treasury management, and investment advisory services. The wealth management and insurance segments further contribute to revenue through commissions and advisory fees. FNB's strategic partnerships and acquisitions also play a role in expanding its service offerings and customer base, thereby bolstering its revenue streams.

F.N.B. Financial Statement Overview

Summary

F.N.B. demonstrates strong revenue growth and profitability, supported by efficient cash flow management and a conservative balance sheet. The company's financial health appears solid with a focus on stability and prudent leverage.

Income Statement

F.N.B. shows a strong and consistent growth in revenue over the years with a Revenue Growth Rate of 0.95% in the latest year. The Gross Profit Margin is impressive at 100% due to the nature of the banking industry, while the Net Profit Margin slightly decreased to 20.66% this year. The EBIT Margin is extraordinarily high at 99.07%, indicating strong operational efficiency. However, the absence of EBITDA data limits a full evaluation of operating profitability.

Balance Sheet

The balance sheet of F.N.B. is solid with a reasonable Debt-to-Equity Ratio of 0.20, suggesting a conservative leverage approach. The Return on Equity stands at 7.38%, indicating moderate profitability for shareholders. The Equity Ratio is 12.96%, reflecting a stable capital structure. The decreasing total debt over the years adds to the financial stability, though the growth in stockholders' equity has been moderate.

Cash Flow

The cash flow statement is robust, with Free Cash Flow showing significant growth at 91.64% over the last year. The Operating Cash Flow to Net Income Ratio is 1.38, indicating efficient conversion of net income into cash. The Free Cash Flow to Net Income Ratio is also noteworthy at 1.38, highlighting strong cash generation capabilities relative to profits. Overall, cash flow management appears strong and stable.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
2.57B	1.50B	1.38B	1.33B	1.44B
	Gross Profit
1.52B	1.50B	1.38B	1.24B	1.11B
	EBIT
555.00M	775.20M	605.02M	503.10M	406.63M
	EBITDA
622.00M	662.00M	626.00M	561.00M	390.00M
	Net Income Common Stockholders
465.00M	485.00M	439.00M	405.00M	286.00M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
3.88B	4.83B	4.95B	6.92B	4.85B
	Total Assets
48.63B	46.16B	43.73B	39.51B	37.35B
	Total Debt
3.73B	4.48B	2.46B	2.22B	2.90B
	Net Debt
1.31B	2.90B	791.00M	-1.27B	1.52B
	Total Liabilities
42.32B	40.11B	38.07B	34.36B	32.40B
	Stockholders Equity
6.30B	6.05B	5.65B	5.15B	4.96B
Cash Flow		Free Cash Flow
503.00M	335.00M	1.12B	472.00M	72.00M
	Operating Cash Flow
642.00M	423.00M	1.22B	530.00M	113.00M
	Investing Cash Flow
-1.70B	-2.26B	-3.06B	-153.00M	-1.82B
	Financing Cash Flow
1.90B	1.74B	18.00M	1.73B	2.49B

F.N.B. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 13.62
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 13.62 is below the 20-day moving average (MA) of 13.93, above the 50-day MA of 13.30, and below the 200-day MA of 14.27, indicating a neutral trend. The MACD of 0.10 indicates Positive momentum. The RSI at 45.96 is Neutral, neither overbought nor oversold. The STOCH value of 43.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FNB.

F.N.B. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OZK	81 Outperform	$5.07B	7.32	12.85%	3.85%	13.85%	2.43%
FNB	76 Outperform	$4.90B	10.74	7.40%	3.52%	10.34%	2.54%
HWC	75 Outperform	$4.61B	9.93	11.53%	3.35%	-2.86%	―
GBCI	74 Outperform	$4.67B	22.00	6.63%	3.21%	8.10%	6.95%
VLY	70 Neutral	$4.78B	12.43	5.48%	5.16%	1.48%	-18.84%
COLB	67 Neutral	$4.75B	9.55	9.73%	6.37%	-0.21%	1.69%
Sector *	64 Neutral	$12.77B	9.71	7.85%	78.05%	12.07%	-7.97%

F.N.B. Corporate Events

F.N.B. Shareholders Elect Directors at Annual Meeting

At the F.N.B. Corporation Annual Meeting on May 7, 2025, shareholders elected eleven director nominees to serve until the 2026 Annual Meeting. Additionally, shareholders approved the advisory resolution on executive compensation for 2024 and ratified the appointment of Ernst & Young LLP as the independent registered public accounting firm for 2025. These decisions reflect shareholder support for the company’s leadership and financial oversight, potentially strengthening F.N.B.’s governance and operational strategies.

The most recent analyst rating on (FNB) stock is a Buy with a $17.00 price target. To see the full list of analyst forecasts on F.N.B. stock, see the FNB Stock Forecast page.