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FNB CORP (FNB) Stock Fundamental Analysis

USA - NYSE:FNB - US3025201019 - Common Stock

15.5415 USD
+0.12 (+0.79%)
Last: 11/19/2025, 2:58:31 PM
Fundamental Rating

3

Overall FNB gets a fundamental rating of 3 out of 10. We evaluated FNB against 388 industry peers in the Banks industry. FNB may be in some trouble as it scores bad on both profitability and health. FNB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FNB had positive earnings in the past year.
In the past year FNB had a positive cash flow from operations.
Each year in the past 5 years FNB has been profitable.
In the past 5 years FNB always reported a positive cash flow from operatings.
FNB Yearly Net Income VS EBIT VS OCF VS FCFFNB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

1.2 Ratios

With a Return On Assets value of 0.94%, FNB perfoms like the industry average, outperforming 55.93% of the companies in the same industry.
The Return On Equity of FNB (7.16%) is worse than 63.66% of its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 7.16%
ROIC N/A
ROA(3y)0.99%
ROA(5y)0.94%
ROE(3y)7.6%
ROE(5y)7.22%
ROIC(3y)N/A
ROIC(5y)N/A
FNB Yearly ROA, ROE, ROICFNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

FNB has a better Profit Margin (28.56%) than 75.26% of its industry peers.
FNB's Profit Margin has declined in the last couple of years.
FNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.56%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.59%
PM growth 5Y-1.68%
GM growth 3YN/A
GM growth 5YN/A
FNB Yearly Profit, Operating, Gross MarginsFNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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0

2. Health

2.1 Basic Checks

FNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FNB has more shares outstanding
The number of shares outstanding for FNB has been increased compared to 5 years ago.
The debt/assets ratio for FNB is higher compared to a year ago.
FNB Yearly Shares OutstandingFNB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
FNB Yearly Total Debt VS Total AssetsFNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

2.2 Solvency

FNB has a debt to FCF ratio of 6.20. This is a slightly negative value and a sign of low solvency as FNB would need 6.20 years to pay back of all of its debts.
The Debt to FCF ratio of FNB (6.20) is worse than 73.45% of its industry peers.
A Debt/Equity ratio of 0.32 indicates that FNB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.32, FNB is doing worse than 68.30% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 6.2
Altman-Z N/A
ROIC/WACCN/A
WACC13.55%
FNB Yearly LT Debt VS Equity VS FCFFNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FNB Yearly Current Assets VS Current LiabilitesFNB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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5

3. Growth

3.1 Past

FNB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.00%.
FNB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.30% yearly.
FNB shows a small growth in Revenue. In the last year, the Revenue has grown by 6.36%.
The Revenue has been growing slightly by 5.68% on average over the past years.
EPS 1Y (TTM)5%
EPS 3Y4.41%
EPS 5Y3.3%
EPS Q2Q%20.59%
Revenue 1Y (TTM)6.36%
Revenue growth 3Y8.86%
Revenue growth 5Y5.68%
Sales Q2Q%10.76%

3.2 Future

The Earnings Per Share is expected to grow by 11.15% on average over the next years. This is quite good.
The Revenue is expected to grow by 8.10% on average over the next years. This is quite good.
EPS Next Y7.66%
EPS Next 2Y10.36%
EPS Next 3Y11.15%
EPS Next 5YN/A
Revenue Next Year8.05%
Revenue Next 2Y8.08%
Revenue Next 3Y8.1%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FNB Yearly Revenue VS EstimatesFNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
FNB Yearly EPS VS EstimatesFNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.57 indicates a reasonable valuation of FNB.
Based on the Price/Earnings ratio, FNB is valued a bit cheaper than the industry average as 62.63% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 25.46, FNB is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.11, the valuation of FNB can be described as very reasonable.
FNB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FNB is cheaper than 60.05% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.39. FNB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.57
Fwd PE 9.11
FNB Price Earnings VS Forward Price EarningsFNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

64.43% of the companies in the same industry are cheaper than FNB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 15.47
EV/EBITDA N/A
FNB Per share dataFNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.38
PEG (5Y)3.2
EPS Next 2Y10.36%
EPS Next 3Y11.15%

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5

5. Dividend

5.1 Amount

FNB has a Yearly Dividend Yield of 3.03%.
FNB's Dividend Yield is comparable with the industry average which is at 3.39.
FNB's Dividend Yield is a higher than the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 3.03%

5.2 History

The dividend of FNB decreases each year by -0.63%.
FNB has been paying a dividend for at least 10 years, so it has a reliable track record.
FNB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.63%
Div Incr Years0
Div Non Decr Years15
FNB Yearly Dividends per shareFNB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

37.47% of the earnings are spent on dividend by FNB. This is a low number and sustainable payout ratio.
DP37.47%
EPS Next 2Y10.36%
EPS Next 3Y11.15%
FNB Yearly Income VS Free CF VS DividendFNB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
FNB Dividend Payout.FNB Dividend Payout, showing the Payout Ratio.FNB Dividend Payout.PayoutRetained Earnings

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FNB CORP

NYSE:FNB (11/19/2025, 2:58:31 PM)

15.5415

+0.12 (+0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16/amc
Earnings (Next)01-20 2026-01-20/amc
Inst Owners84.76%
Inst Owner Change3.09%
Ins Owners1.14%
Ins Owner Change0%
Market Cap5.57B
Revenue(TTM)1.68B
Net Income(TTM)467.00M
Analysts85.45
Price Target19.02 (22.38%)
Short Float %4.35%
Short Ratio1.4
Dividend
Industry RankSector Rank
Dividend Yield 3.03%
Yearly Dividend0.49
Dividend Growth(5Y)-0.63%
DP37.47%
Div Incr Years0
Div Non Decr Years15
Ex-Date09-02 2025-09-02 (0.12)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.24%
Min EPS beat(2)5.53%
Max EPS beat(2)6.95%
EPS beat(4)3
Avg EPS beat(4)6.06%
Min EPS beat(4)-3.23%
Max EPS beat(4)15.01%
EPS beat(8)5
Avg EPS beat(8)4.76%
EPS beat(12)9
Avg EPS beat(12)4.43%
EPS beat(16)13
Avg EPS beat(16)4.68%
Revenue beat(2)1
Avg Revenue beat(2)0.69%
Min Revenue beat(2)-0.65%
Max Revenue beat(2)2.03%
Revenue beat(4)1
Avg Revenue beat(4)-0.01%
Min Revenue beat(4)-1.2%
Max Revenue beat(4)2.03%
Revenue beat(8)2
Avg Revenue beat(8)-2.51%
Revenue beat(12)4
Avg Revenue beat(12)-1.18%
Revenue beat(16)5
Avg Revenue beat(16)-0.95%
PT rev (1m)0.43%
PT rev (3m)0.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.33%
EPS NY rev (1m)2.92%
EPS NY rev (3m)6.08%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)0.73%
Valuation
Industry RankSector Rank
PE 10.57
Fwd PE 9.11
P/S 3.41
P/FCF 15.47
P/OCF 11.16
P/B 0.85
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)1.47
EY9.46%
EPS(NY)1.71
Fwd EY10.97%
FCF(TTM)1
FCFY6.46%
OCF(TTM)1.39
OCFY8.96%
SpS4.56
BVpS18.2
TBVpS11.16
PEG (NY)1.38
PEG (5Y)3.2
Graham Number24.54
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 7.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.56%
GM N/A
FCFM 22.02%
ROA(3y)0.99%
ROA(5y)0.94%
ROE(3y)7.6%
ROE(5y)7.22%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.59%
PM growth 5Y-1.68%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 6.2
Debt/EBITDA N/A
Cap/Depr 193.06%
Cap/Sales 8.5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 77.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.55%
ROIC/WACCN/A
Cap/Depr(3y)150.14%
Cap/Depr(5y)N/A
Cap/Sales(3y)6.96%
Cap/Sales(5y)5.79%
Profit Quality(3y)146.79%
Profit Quality(5y)117.03%
High Growth Momentum
Growth
EPS 1Y (TTM)5%
EPS 3Y4.41%
EPS 5Y3.3%
EPS Q2Q%20.59%
EPS Next Y7.66%
EPS Next 2Y10.36%
EPS Next 3Y11.15%
EPS Next 5YN/A
Revenue 1Y (TTM)6.36%
Revenue growth 3Y8.86%
Revenue growth 5Y5.68%
Sales Q2Q%10.76%
Revenue Next Year8.05%
Revenue Next 2Y8.08%
Revenue Next 3Y8.1%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-36.84%
FCF growth 3Y2.14%
FCF growth 5Y18.75%
OCF growth 1Y-26.07%
OCF growth 3Y6.6%
OCF growth 5Y19.91%

FNB CORP / FNB FAQ

What is the fundamental rating for FNB stock?

ChartMill assigns a fundamental rating of 3 / 10 to FNB.


What is the valuation status for FNB stock?

ChartMill assigns a valuation rating of 4 / 10 to FNB CORP (FNB). This can be considered as Fairly Valued.


How profitable is FNB CORP (FNB) stock?

FNB CORP (FNB) has a profitability rating of 3 / 10.


What is the expected EPS growth for FNB CORP (FNB) stock?

The Earnings per Share (EPS) of FNB CORP (FNB) is expected to grow by 7.66% in the next year.


Is the dividend of FNB CORP sustainable?

The dividend rating of FNB CORP (FNB) is 5 / 10 and the dividend payout ratio is 37.47%.