FNB Corp Valuation

FNB Stock  USD 17.84  0.29  1.65%   
At this time, the firm appears to be undervalued. FNB Corp owns a latest Real Value of $20.34 per share. The recent price of the firm is $17.84. Our model computes the value of FNB Corp from reviewing the firm fundamentals such as Current Valuation of 7.79 B, shares outstanding of 357.3 M, and Return On Asset of 0.0114 as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting FNB Corp's valuation include:
Price Book
0.9278
Enterprise Value
7.8 B
Price Sales
3.8051
Forward PE
9.7276
Trailing PE
11.4359
Undervalued
Today
17.84
Please note that FNB Corp's price fluctuation is very steady at this time. Calculation of the real value of FNB Corp is based on 3 months time horizon. Increasing FNB Corp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since FNB Corp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of FNB Stock. However, FNB Corp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  17.84 Real  20.34 Target  19.93 Hype  17.84 Naive  17.84
The real value of FNB Stock, also known as its intrinsic value, is the underlying worth of FNB Corp Company, which is reflected in its stock price. It is based on FNB Corp's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of FNB Corp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
20.34
Real Value
21.78
Upside
Estimating the potential upside or downside of FNB Corp helps investors to forecast how FNB stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of FNB Corp more accurately as focusing exclusively on FNB Corp's fundamentals will not take into account other important factors:
Earnings
Estimates
LowProjectedHigh
0.370.380.39
Details
Hype
Prediction
LowEstimatedHigh
16.4017.8419.28
Details
Potential
Annual Dividend
LowForecastedHigh
0.160.160.16
Details
9 Analysts
Consensus
LowTarget PriceHigh
18.1419.9322.12
Details
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use FNB Corp's intrinsic value based on its ongoing forecasts of FNB Corp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against FNB Corp's closest peers. If more than one evaluation category is relevant for FNB Corp we suggest using both methods to arrive at a better estimate.

FNB Corp Cash

2.62 Billion

FNB Corp Total Value Analysis

FNB Corp is currently estimated to have company total value of 7.79 B with market capitalization of 6.39 B, debt of 3.92 B, and cash on hands of 2.28 B. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the FNB Corp fundamentals before making security assessment based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
7.79 B
6.39 B
3.92 B
2.28 B

FNB Corp Investor Information

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. Based on the analysis of FNB Corp's profitability, liquidity, and operating efficiency, FNB Corp is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March.
Current ValueLast YearChange From Last Year 10 Year Trend
Operating Profit Margin0.170.2484
Way Down
Very volatile
Total Cash From Operating Activities775.2 M738.3 M
Sufficiently Up
Slightly volatile
Operating Income702.8 M669.4 M
Sufficiently Up
Slightly volatile

FNB Corp Asset Utilization

The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. FNB Corp has an asset utilization ratio of 5.37 percent. This suggests that the Company is making $0.0537 for each dollar of assets. An increasing asset utilization means that FNB Corp is more efficient with each dollar of assets it utilizes for everyday operations.
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

FNB Corp Profitability Analysis

Considering FNB Corp's profitability and operating efficiency indicators, FNB Corp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess FNB Corp's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
1988-03-31
Previous Quarter
150 M
Current Value
168.7 M
Quarterly Volatility
41.7 M
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
The current year's Gross Profit is expected to grow to about 1.8 B, whereas Pretax Profit Margin is forecasted to decline to 0.17.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.540.6231
Fairly Down
Pretty Stable
Net Profit Margin0.130.2098
Way Down
Slightly volatile
Operating Profit Margin0.170.2484
Way Down
Very volatile
Pretax Profit Margin0.170.2484
Way Down
Very volatile
Return On Assets0.00720.0113
Way Down
Slightly volatile
Return On Equity0.10.0836
Fairly Up
Very volatile
For FNB Corp profitability analysis, we use financial ratios and fundamental drivers that measure the ability of FNB Corp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well FNB Corp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between FNB Corp's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of FNB Corp over time as well as its relative position and ranking within its peers.

FNB Corp Earnings per Share Projection vs Actual

By analyzing FNB Corp's earnings estimates, investors can diagnose different trends across FNB Corp's analyst sentiment over time as well as compare current EPS estimates against different timeframes. Please be aware that the consensus of earnings estimates for FNB Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
FNB Corp is projected to generate 0.38 in earnings per share on the 31st of March 2026. FNB Corp earnings estimates show analyst consensus about projected FNB Corp EPS (Earning Per Share). It derives the highest and the lowest estimates based on FNB Corp's historical volatility. Many public companies, such as FNB Corp, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

FNB Corp Ownership Allocation

FNB Corp secures a total of 357.3 Million outstanding shares. The majority of FNB Corp outstanding shares are owned by institutions. These other corporate entities are usually referred to as non-private investors looking to obtain positions in FNB Corp to benefit from reduced commissions. Thereupon, outside corporations are subject to a different set of regulations than regular investors in FNB Corp. Please pay attention to any change in the institutional holdings of FNB Corp as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company retains, if the real value of the firm is less than the current market value, you may not be able to make money on it.

FNB Corp Profitability Analysis

The company reported the last year's revenue of 2.69 B. Total Income to common stockholders was 565.39 M with profit before taxes, overhead, and interest of 1.68 B.

FNB Corp Past Distributions to stockholders

Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates FNB Corp's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in FNB Corp and how it compares across the competition.

About FNB Corp Valuation

The stock valuation mechanism determines FNB Corp's current worth on a weekly basis. Our valuation model uses a comparative analysis of FNB Corp. We calculate exposure to FNB Corp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of FNB Corp's related companies.
Last ReportedProjected for Next Year
Gross Profit1.7 B1.8 B
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 
FNB Corp's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether FNB Corp's value is low or high relative to the company's performance and growth projections. Determining the market value of FNB Corp can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of FNB Corp represents a small ownership stake in the entity. As a stockholder of FNB, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

FNB Corp Dividends Analysis For Valuation

At present, FNB Corp's Dividend Yield is projected to slightly decrease based on the last few years of reporting. The current year's Dividend Payout Ratio is expected to grow to 0.44, whereas Dividends Paid is projected to grow to (193.4 M). . At present, FNB Corp's Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings Total Equity is expected to grow to about 1.7 B, whereas Earning Assets are forecasted to decline to about 7.2 B.
Last ReportedProjected for Next Year
Dividends Paid-203.6 M-193.4 M
Dividend Yield 0.03  0.03 
Dividend Payout Ratio 0.30  0.44 
Dividend Paid And Capex Coverage Ratio 2.34  2.71 
There are various types of dividends FNB Corp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of FNB shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from FNB Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When FNB pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of FNB Corp by the value of the dividends paid out.

FNB Corp Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
Common Stock Shares Outstanding362 M
Quarterly Earnings Growth Y O Y0.565
Forward Price Earnings9.7276

FNB Corp Current Valuation Indicators

Valuation refers to the process of determining the present value of FNB Corp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value FNB we look at many different elements of the entity such as FNB's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as FNB Corp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use FNB Corp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes FNB Corp's worth.

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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