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

• Market Cap: $5.83B
• Dividend Yield: 2.96%
• Average Volume (3M): 7.53M
• Price to Earnings (P/E): 12.6
• Beta (1Y): 1.19
• Revenue Growth: 7.73%
• EPS Growth: 8.39%
• Country: US
• Employees: 4,104
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 359,143,520
• 10 Day Avg. Volume: 7,754,155
• 30 Day Avg. Volume: 7,533,151
• PEG Ratio: -3.03
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 2.08
• P/FCF Ratio: 10.62
• Enterprise Value/Market Cap: 1.64
• Enterprise Value/Revenue: 3.67
• Enterprise Value/Gross Profit: 6.20
• Enterprise Value/Ebitda: 15.73
• 1Y Price Target: $18.50
• Price Target Upside: 15.41% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 74 Outperform
• Price Target: $18.50 ▲(15.41% Upside)

F.N.B.'s overall stock score reflects its strong financial performance and positive technical indicators. The earnings call provided confidence in the company's growth prospects, supported by digital and AI initiatives. Valuation is fair, and while there are some challenges, the company's strategic moves and financial health position it well for future growth.

Positive Factors

Branch Expansion

The planned expansion into new regions enhances FNB's market presence and customer reach, supporting long-term growth and revenue diversification.

Digital and AI Initiatives

Leveraging digital and AI technologies improves customer experience and operational efficiency, positioning FNB for sustainable competitive advantage.

Asset Quality Improvements

Improved asset quality reduces credit risk and enhances financial stability, supporting long-term profitability and shareholder value.

Negative Factors

CRE Portfolio Challenges

Declining CRE portfolio exposure may limit growth opportunities and revenue potential in this segment, impacting long-term financial performance.

Increased Noninterest Expenses

Rising noninterest expenses can pressure margins and reduce profitability, challenging FNB's ability to maintain cost efficiency over time.

Geopolitical Risks

Ongoing geopolitical risks create uncertainty in the operating environment, potentially affecting FNB's strategic planning and financial stability.

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 primarily through interest income from loans and advances made to customers, which constitutes a significant portion of its earnings. The company also earns non-interest income through service charges on deposit accounts, fees for wealth management services, and commissions from insurance products. Additionally, FNB benefits from its strategic partnerships with various financial service providers and its ability to cross-sell products to existing customers, enhancing customer retention and increasing overall revenue. The bank's consistent focus on expanding its loan portfolio and managing its interest rate spread effectively contributes to its profitability.

F.N.B. Financial Statement Overview

Summary

F.N.B. exhibits strong revenue growth and operational efficiency, with stable profitability margins. The balance sheet reflects a moderate leverage position, and cash flow generation shows improvement, though there are areas for enhancement in cash conversion. Overall, the company is in a solid financial position with room for improvement in cash flow management.

Income Statement

F.N.B. has demonstrated consistent revenue growth, with a TTM revenue growth rate of 1.105%. The gross profit margin is strong at 59.15%, indicating efficient cost management. However, the net profit margin has slightly decreased to 17.88% in the TTM, reflecting potential challenges in controlling non-operating expenses. EBIT and EBITDA margins remain healthy, showcasing operational efficiency.

Balance Sheet

The company's debt-to-equity ratio of 0.662 in the TTM suggests a moderate level of leverage, which is manageable. Return on equity is stable at 7.33%, indicating effective use of shareholders' equity to generate profits. The equity ratio is not explicitly provided, but the balance sheet shows a solid equity base relative to assets.

Cash Flow

F.N.B. has experienced a positive free cash flow growth rate of 9.091% in the TTM, indicating improved cash generation. However, the operating cash flow to net income ratio is low at 0.013, suggesting potential issues in converting income into cash. The free cash flow to net income ratio of 0.721 indicates a reasonable level of cash flow relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.61B	2.57B	2.23B	1.61B	1.33B	1.44B
Gross Profit	1.55B	1.52B	1.50B	1.38B	1.24B	1.11B
EBITDA	609.38M	622.00M	662.00M	626.00M	513.00M	340.00M
Net Income	467.19M	465.00M	485.00M	439.00M	405.00M	286.00M
Balance Sheet
Total Assets	49.73B	48.63B	46.16B	43.73B	39.51B	37.35B
Cash, Cash Equivalents and Short-Term Investments	6.01B	5.39B	4.83B	4.95B	6.92B	4.85B
Total Debt	4.32B	4.27B	4.48B	2.46B	2.22B	2.90B
Total Liabilities	43.20B	42.32B	40.11B	38.07B	34.36B	32.40B
Stockholders Equity	6.52B	6.30B	6.05B	5.65B	5.15B	4.96B
Cash Flow
Free Cash Flow	360.00M	567.00M	335.00M	1.12B	472.00M	72.00M
Operating Cash Flow	499.00M	706.00M	423.00M	1.22B	530.00M	113.00M
Investing Cash Flow	-1.46B	-1.77B	-2.26B	-3.06B	-153.00M	-1.82B
Financing Cash Flow	1.50B	1.90B	1.74B	18.00M	1.73B	2.49B

F.N.B. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 16.03
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNB, the sentiment is Neutral. The current price of 16.03 is below the 20-day moving average (MA) of 16.33, above the 50-day MA of 15.80, and above the 200-day MA of 14.55, indicating a neutral trend. The MACD of 0.19 indicates Positive momentum. The RSI at 48.02 is Neutral, neither overbought nor oversold. The STOCH value of 17.25 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FNB.

F.N.B. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OZK	80 Outperform	5.88B	8.41	12.12%	3.28%	7.12%	2.47%
HOMB	77 Outperform	5.79B	13.45	10.63%	2.69%	4.40%	14.01%
GBCI	74 Outperform	5.71B	25.00	6.22%	2.74%	8.37%	17.00%
FNB	74 Outperform	$5.83B	12.61	7.40%	2.96%	7.73%	8.39%
VLY	73 Outperform	5.96B	13.64	5.98%	4.14%	0.20%	9.86%
UBSI	72 Outperform	5.26B	13.12	7.36%	3.98%	7.29%	6.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

F.N.B. Corporate Events

F.N.B. Announces New Chief Consumer Banking Officer

On August 22, 2025, F.N.B. Corporation announced the retirement of Barry C. Robinson, Chief Consumer Banking Officer, effective October 10, 2025, after 15 years of service. Alfred D. Cho, with over 25 years of experience in strategic consulting and investment banking, has been appointed to succeed Robinson. Cho’s appointment is part of FNB’s succession plan and is expected to enhance the company’s consumer banking operations. Cho has worked closely with FNB in an advisory capacity and looks forward to contributing to the bank’s growth and success.