FNB Corp Financials

FNB Stock  USD 17.15  0.39  2.33%   
Based on the analysis of FNB Corp's profitability, liquidity, and operating efficiency, FNB Corp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, FNB Corp's Common Stock Shares Outstanding is projected to increase significantly based on the last few years of reporting. The current year's Total Assets is expected to grow to about 48.5 B, whereas Total Current Liabilities is forecasted to decline to about 1.5 B. Key indicators impacting FNB Corp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.170.3087
Way Down
Slightly volatile
Return On Assets0.00720.0105
Way Down
Pretty Stable
Return On Equity0.10.0802
Fairly Up
Very volatile
Debt Equity Ratio1.260.74
Way Up
Pretty Stable
Operating Income700.6 M667.2 M
Sufficiently Up
Slightly volatile
Current Ratio2.02.1069
Notably Down
Slightly volatile
The financial analysis of FNB Corp is a critical element in measuring its lifeblood. Investors should not minimize FNB Corp's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

509.25 Million

  
Understanding current and past FNB Corp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of FNB Corp's financial statements are interrelated, with each one affecting the others. For example, an increase in FNB Corp's assets may result in an increase in income on the income statement.
Please note, the presentation of FNB Corp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, FNB Corp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of FNB Corp's management manipulating its earnings.

FNB Corp Stock Summary

FNB Corp competes with ST Bancorp, CrossFirst Bankshares, Enterprise Financial, First Bancshares,, and First Bancorp. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania. FNB Corp operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 3884 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS3025201019
CUSIP302520101
LocationPennsylvania; U.S.A
Business AddressOne North Shore
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.fnb-online.com
Phone800 555 5455
CurrencyUSD - US Dollar

FNB Corp Key Financial Ratios

FNB Corp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets34.6B37.4B39.5B43.7B46.2B48.5B
Other Current Liab(3.2B)(1.3B)(1.0B)34.8B25.0B26.3B
Net Debt4.0B1.5B(1.3B)791M2.9B3.0B
Retained Earnings798M869M1.1B1.4B1.7B1.8B
Cash599M1.4B3.5B1.7B1.6B1.7B
Other Assets21.1B23.0B22.6B35.8B(46.3B)(44.0B)
Total Liab29.7B32.4B34.4B38.1B40.1B42.1B
Total Current Assets4.3B5.3B7.4B4.9B5.3B6.2B
Short Term Debt3.2B1.3B1.0B1.4B2.5B2.6B
Other Liab236.8M374M419M257.7M296.4M163.8M
Accounts Payable24.8B29.1B31.7B34.8B40.0B42.0B
Long Term Debt1.3B1.1B682M1.1B2.1B2.2B
Inventory(734M)(1.4B)(3.5B)6M(130.8M)(137.3M)
Treasury Stock(21M)(27M)(68M)(117M)(105.3M)(100.0M)
Good Will2.2B2.3B2.3B2.5B2.8B3.0B
Other Current Assets734M1.4B3.5B(519M)1.6B1.5B
Intangible Assets67M54M42M89M69M56.1M
Net Tangible Assets2.4B2.5B2.7B3.0B3.4B1.9B
Long Term Debt Total1.3B1.1B682M1.1B1.3B745.8M
Capital Surpluse4.1B4.1B4.1B4.7B5.4B3.2B

FNB Corp Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense329.8M208.2M98.2M165.2M656M688.8M
Operating Income470.8M343.5M503.1M717.9M667.2M700.6M
Ebit470.8M334M503M553M(58.9M)(55.9M)
Ebitda485.0M390M561M616M20.1M19.1M
Net Income387.2M286M405M439M485M509.3M
Income Tax Expense83.6M57.5M98.5M113.6M99M104.0M
Total Revenue1.2B1.2B1.2B1.4B1.6B1.6B
Gross Profit1.2B1.2B1.2B1.4B2.2B2.3B
Income Before Tax470.8M343.5M503.1M552.7M584M613.2M
Tax Provision84M57.5M98.5M113.6M128M105.5M
Net Interest Income917M922.1M906.5M1.1B1.3B987.6M
Interest Income1.2B1.1B1.0B1.3B1.8B1.2B

FNB Corp Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash111M784M2.1B(1.8B)(98M)(93.1M)
Free Cash Flow213M72M472M1.1B335M206.2M
Depreciation45M(3M)10M73M78M81.9M
Other Non Cash Items(211M)(233M)138M722M(134M)(127.3M)
Capital Expenditures46M41M58M95M88M92.4M
Net Income387M286M405M439M485M509.3M
End Period Cash Flow599M1.4B3.5B1.7B1.6B1.7B
Investments(1.3B)286M(653M)(317M)(2.4B)(2.2B)
Change Receivables(8M)19M14M(42M)(37.8M)(35.9M)
Net Borrowings(198M)(1.7B)(680M)(29M)(26.1M)(27.4M)
Change To Netincome59M43M(69M)266.2M239.6M251.6M

FNB Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining FNB Corp's current stock value. Our valuation model uses many indicators to compare FNB Corp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across FNB Corp competition to find correlations between indicators driving FNB Corp's intrinsic value. More Info.
FNB Corp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.13  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for FNB Corp is roughly  7.69 . At present, FNB Corp's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the FNB Corp's earnings, one of the primary drivers of an investment's value.

FNB Corp Systematic Risk

FNB Corp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. FNB Corp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on FNB Corp correlated with the market. If Beta is less than 0 FNB Corp generally moves in the opposite direction as compared to the market. If FNB Corp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one FNB Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of FNB Corp is generally in the same direction as the market. If Beta > 1 FNB Corp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in FNB Corp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various FNB Corp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of FNB Corp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.47

At present, FNB Corp's Price Earnings To Growth Ratio is projected to drop slightly based on the last few years of reporting.

FNB Corp November 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of FNB Corp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of FNB Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of FNB Corp based on widely used predictive technical indicators. In general, we focus on analyzing FNB Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build FNB Corp's daily price indicators and compare them against related drivers.

Complementary Tools for FNB Stock analysis

When running FNB Corp's price analysis, check to measure FNB Corp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy FNB Corp is operating at the current time. Most of FNB Corp's value examination focuses on studying past and present price action to predict the probability of FNB Corp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move FNB Corp's price. Additionally, you may evaluate how the addition of FNB Corp to your portfolios can decrease your overall portfolio volatility.
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