F.N.B. FNB
United StatesFinancial Services · Banks - RegionalUSD
20.72 USD (+21.4%)
9 analysts
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F.N.B. Corporation is a U.S. regional bank offering commercial and retail banking services, including loans, deposits, and wealth management, primarily in Pennsylvania and surrounding states.
Key points
from its scores- ✓High-quality business9.4
- ✓Attractive dividend7.0
- ✕Fragile balance sheet3.9
- !Weak share-price trend5.7
AI analysis
bottom line, main risk, context and newsThe combination of high quality, reasonable valuation, and stable growth makes it attractive for long-term investors, although financial health is not outstanding.
F.N.B. Corporation shows moderate financial health (ROE 9.04%, ROA 1.20%) but exceptional quality (operating margin 44.67%, net margin 34.62%) and attractive valuation (P/E 10.16, P/B adjusted 0.98), with solid growth (earnings +16.20%) and sustainable dividend (yield 3.05%, payout 29.17%). The rising rate environment could benefit its net interest margin, but the effect is moderate and already reflected in the metrics.
The main risk is interest rate sensitivity: a rising rate environment could compress credit demand and increase funding costs, although the net interest margin could benefit; additionally, exposure to the regional economy of Pennsylvania and surrounding areas makes it vulnerable to a local slowdown.
Context and risks
F.N.B. Corporation is a U.S. regional bank with a sound balance sheet (ROE 9.04%, ROA 1.20%) and no material exposure to current macro factors: its commercial and retail banking business does not depend on commodities or shipping routes, and its debt is not a relevant factor in a rising rate environment. The rise in long-term rates could widen its net interest margin, but the effect is moderate and already reflected in the quantitative metrics.
Is F.N.B. stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 39% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 10.2 | 13.7 | −26% |
| Price / book | 0.9 | 1.9 | −52% |
| Price / sales | 3.5 | 3.5 | +0% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 6.8 out of 10 (median for Financial Services: 5.2).
Average analyst target: 20.72 USD, +21.4% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 3.9 (sector 5.5), Growth 6.5 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 10.2
- Forward P/E
- 9.1
- Price / book
- 0.9
- Price / sales
- 3.5
- PEG
- 1.05
- Market cap
- 6.0B USD
- Enterprise value
- 8.7B USD
Profitability
- ROE
- 9.0%
- ROA
- 1.2%
- ROIC (approx.)
- 6.5%
- Gross margin
- 0.0%
- Operating margin
- 44.7%
- Net margin
- 34.6%
Solvency
- Total debt
- 5.2B USD
- Net debt
- 2.7B USD
- Cash
- 2.5B USD
Growth
- Revenue growth
- +6.8%
- Earnings growth
- +16.2%
- EPS (TTM)
- 1.68 USD
- EPS (forward)
- 1.87 USD
Dividend
- Dividend yield
- 3.0%
- Payout
- 29.2%
Risk and market
- Beta
- 0.89
- Analyst consensus
- Buy (9)
- Target price
- 20.72 USD
- 52-week range
- 14.46 – 19.59
Recent news
All FNB news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about F.N.B.
Is F.N.B. stock cheap or expensive?
On P/E and Price / book, it trades 39% below the Financial Services median on average. Valuation score: 6.8 out of 10 (median for Financial Services: 5.2). Average analyst target: 20.72 USD, +21.4% versus the price. This is not investment advice.
What score does F.N.B. get on MeridIAn Screener?
It scores 6.7 out of 10, rank 383 of 2,130 (better than 80% of the companies analysed). Its strongest category is Quality / Moat (9.4) and its weakest, Financial health (3.9). Analysis of 08/10/2026.
What is F.N.B.'s P/E ratio?
Its P/E is 10.2: the share price equals 10.2 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 9.1.
How much is F.N.B. worth on the stock market?
Its market capitalisation is 6.0B USD.
Does F.N.B. pay a dividend?
Yes: its dividend yield is 3.05% and it pays out 29% of its earnings.
How has F.N.B. stock performed over the last year?
It has risen 15.2% over the last year, excluding dividends. Over the last 52 weeks it has traded between 14.46 and 19.59 USD. Past performance does not guarantee future results.
What do analysts think of F.N.B.?
9 analysts cover it; their average recommendation is “Buy” and their average target is 20.72 USD (+21.4% versus the price). It is an estimate, not market data.