Fnb Corp Stock Analysis

FNB Stock  USD 17.55  0.05  0.28%   
Below is the normalized historical share price chart for FNB Corp extending back to September 15, 1986. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of FNB Corp stands at 17.55, as last reported on the 1st of February, with the highest price reaching 17.68 and the lowest price hitting 17.39 during the day.
IPO Date
4th of March 1993
200 Day MA
15.6177
50 Day MA
17.1328
Beta
0.933
 
Black Monday
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
FNB Corp has over 3.92 Billion in debt which may indicate that it relies heavily on debt financing. At present, FNB Corp's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Long Term Debt is expected to grow to about 2 B, whereas Net Debt is forecasted to decline to about 1.2 B. With a high degree of financial leverage come high-interest payments, which usually reduce FNB Corp's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

FNB Corp's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. FNB Corp's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps FNB Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect FNB Corp's stakeholders.
For most companies, including FNB Corp, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for FNB Corp, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, FNB Corp's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
0.9304
Price Sales
3.7433
Shares Float
351.7 M
Dividend Share
0.48
Wall Street Target Price
20.0625
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 Stockholder Equity is expected to grow to about 7.1 B, whereas Common Stock is forecasted to decline to about 2.7 M. . At present, FNB Corp's Price Earnings Ratio is projected to drop slightly based on the last few years of reporting. The current year's Price Book Value Ratio is expected to grow to 1.42, whereas Price To Sales Ratio is forecasted to decline to 1.80.
FNB Corp is undervalued with Real Value of 19.79 and Target Price of 20.06. The main objective of FNB Corp stock analysis is to determine its intrinsic value, which is an estimate of what FNB Corp is worth, separate from its market price. There are two main types of FNB Corp's stock analysis: fundamental analysis and technical analysis.
The FNB Corp stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and FNB Corp's ongoing operational relationships across important fundamental and technical indicators.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in FNB Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in employment.
For information on how to trade FNB Stock refer to our How to Trade FNB Stock guide.

FNB Stock Analysis Notes

About 88.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.93. Some equities with similar Price to Book (P/B) outperform the market in the long run. FNB Corp has Price/Earnings To Growth (PEG) ratio of 1.22. The entity last dividend was issued on the 2nd of March 2026. The firm had 105:100 split on the 13th of May 2003. 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. To learn more about FNB Corp call Vincent Delie at 800 555 5455 or check out https://www.fnb-online.com.

FNB Corp Quarterly Total Revenue

679.83 Million

FNB Corp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. FNB Corp's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding FNB Corp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Over 88.0% of the company shares are owned by institutional investors
On 15th of December 2025 FNB Corp paid $ 0.12 per share dividend to its current shareholders
Latest headline from seekingalpha.com: F.N.B. declares 0.12 dividend

FNB Largest EPS Surprises

Earnings surprises can significantly impact FNB Corp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2009-10-22
2009-09-300.10.110.0110 
2010-07-26
2010-06-300.140.160.0214 
2010-04-26
2010-03-310.120.140.0216 
View All Earnings Estimates

FNB Corp Environmental, Social, and Governance (ESG) Scores

FNB Corp's ESG score is a quantitative measure that evaluates FNB Corp's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of FNB Corp's operations that may have significant financial implications and affect FNB Corp's stock price as well as guide investors towards more socially responsible investments.

FNB Stock Institutional Investors

Shares
Principal Financial Group Inc2025-06-30
4.2 M
Charles Schwab Investment Management Inc2025-06-30
3.7 M
Morgan Stanley - Brokerage Accounts2025-06-30
3.7 M
Bank Of America Corp2025-06-30
3.7 M
Norges Bank2025-06-30
3.5 M
Bank Of New York Mellon Corp2025-06-30
3.1 M
Northern Trust Corp2025-06-30
3.1 M
Basswood Capital Management Llc2025-06-30
2.1 M
Verition Fund Managegment, Llc2025-06-30
2.1 M
Blackrock Inc2025-06-30
43.6 M
Vanguard Group Inc2025-06-30
38.6 M
Note, although FNB Corp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

FNB Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 6.29 B.

FNB Profitablity

The company has Net Profit Margin of 0.34 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.39 %, which entails that for every 100 dollars of revenue, it generated $0.39 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.07  0.08 
Return On Assets 0.01  0.01 
Return On Equity 0.08  0.10 

Management Efficiency

FNB Corp has Return on Asset of 0.0114 % which means that on every $100 spent on assets, it made $0.0114 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.0866 %, implying that it generated $0.0866 on every 100 dollars invested. FNB Corp's management efficiency ratios could be used to measure how well FNB Corp manages its routine affairs as well as how well it operates its assets and liabilities. At present, FNB Corp's Return On Capital Employed is projected to slightly decrease based on the last few years of reporting. The current year's Return On Equity is expected to grow to 0.10, whereas Return On Tangible Assets are forecasted to decline to 0.01. At present, FNB Corp's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Non Current Assets Total is expected to grow to about 13.9 B, whereas Other Assets are forecasted to decline to about 1.2 B.
Last ReportedProjected for Next Year
Book Value Per Share 18.82  9.68 
Tangible Book Value Per Share 11.81  9.28 
Enterprise Value Over EBITDA 11.30  11.98 
Price Book Value Ratio 0.91  1.42 
Enterprise Value Multiple 11.30  11.98 
Price Fair Value 0.91  1.42 
Enterprise Value6.8 B4.1 B
Leadership effectiveness at FNB Corp is a strong indicator of its financial stability. We analyze various metrics to provide insights into the stock's investment viability.
Dividend Yield
0.0273
Operating Margin
0.3881
Profit Margin
0.3367
Forward Dividend Yield
0.0273
Beta
0.933

Technical Drivers

As of the 1st of February, FNB Corp owns the Market Risk Adjusted Performance of 0.1732, downside deviation of 1.34, and Coefficient Of Variation of 738.41. FNB Corp technical analysis allows you to utilize past data patterns in order to determine a pattern that computes the direction of the firm's future prices.

FNB Corp Price Movement Analysis

Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Triple Exponential Moving Average (T3) indicator is developed by Tim Tillson as FNB Corp price series composite of a single exponential moving average, a double exponential moving average and a triple exponential moving average.

FNB Corp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific FNB Corp insiders, such as employees or executives, is commonly permitted as long as it does not rely on FNB Corp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases FNB Corp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

FNB Corp Outstanding Bonds

FNB Corp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. FNB Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most FNB bonds can be classified according to their maturity, which is the date when FNB Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

FNB Corp Predictive Daily Indicators

FNB Corp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of FNB Corp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

FNB Corp Corporate Filings

28th of January 2026
Prospectus used primarily for registering securities for public sale.
ViewVerify
F4
22nd of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
21st of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
7th of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
29th of December 2025
Prospectus used primarily for registering securities for public sale.
ViewVerify
17th of December 2025
Prospectus used primarily for registering securities for public sale.
ViewVerify
F4
12th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
3rd of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

FNB Corp Forecast Models

FNB Corp's time-series forecasting models are one of many FNB Corp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary FNB Corp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

FNB Corp Bond Ratings

FNB Corp financial ratings play a critical role in determining how much FNB Corp have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for FNB Corp's borrowing costs.
Piotroski F Score
5
HealthyView
Beneish M Score
(2.51)
Unlikely ManipulatorView

FNB Corp Debt to Cash Allocation

As FNB Corp follows its natural business cycle, the capital allocation decisions will not magically go away. FNB Corp's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
FNB Corp has 3.92 B in debt with debt to equity (D/E) ratio of 7.38, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Note however, debt could still be an excellent tool for FNB to invest in growth at high rates of return.

FNB Corp Common Stock Shares Outstanding Over Time

FNB Corp Assets Financed by Debt

The debt-to-assets ratio shows the degree to which FNB Corp uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

FNB Corp Debt Ratio

    
  8.8   
It appears most of the FNB Corp's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the FNB Corp's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of FNB Corp, which in turn will lower the firm's financial flexibility.

FNB Corp Corporate Bonds Issued

Most FNB bonds can be classified according to their maturity, which is the date when FNB Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

FNB Short Long Term Debt Total

Short Long Term Debt Total

4.11 Billion

At present, FNB Corp's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting.

About FNB Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how FNB Corp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling FNB shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as FNB Corp. By using and applying FNB Stock analysis, traders can create a robust methodology for identifying FNB entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.25  0.17 
Operating Profit Margin 0.25  0.17 
Net Profit Margin 0.21  0.13 
Gross Profit Margin 0.62  0.54 

Current FNB Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. FNB analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. FNB analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
20.06Strong Buy9Odds
FNB Corp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most FNB analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand FNB stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of FNB Corp, talking to its executives and customers, or listening to FNB conference calls.
FNB Analyst Advice Details

FNB Stock Analysis Indicators

FNB Corp stock analysis indicators help investors evaluate how FNB Corp stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading FNB Corp shares will generate the highest return on investment. By understating and applying FNB Corp stock analysis, traders can identify FNB Corp position entry and exit signals to maximize returns.
Begin Period Cash Flow2.4 B
Long Term Debt1.9 B
Common Stock Shares Outstanding362 M
Total Stockholder Equity6.8 B
Tax Provision104 M
Quarterly Earnings Growth Y O Y0.565
Property Plant And Equipment Net568 M
Cash And Short Term Investments6.2 B
Cash2.5 B
Net Debt1.4 B
50 Day M A17.1328
Total Current Liabilities40.8 B
Other Operating ExpensesB
Non Current Assets Total7.9 B
Forward Price Earnings9.7276
Non Currrent Assets Other667 M

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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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