FNB CORP (FNB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FNB - US3025201019 - Common Stock
17.27 USD
-0.09 (-0.52%)
17.27 USD
0 (0%)
FNB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 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.
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.
- In the past 5 years FNB has always been profitable.
- FNB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of FNB (1.02%) is better than 62.66% of its industry peers.
- The Return On Equity of FNB (7.64%) is worse than 61.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 7.64% | ||
| 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
1.3 Margins
- Looking at the Profit Margin, with a value of 30.18%, FNB is in the better half of the industry, outperforming 79.90% of the companies in the same industry.
- FNB's Profit Margin has declined in the last couple of years.
- The Operating Margin and Gross Margin are not available for FNB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.18% | ||
| 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
2. Health
2.1 Basic Checks
- FNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- FNB has more shares outstanding than it did 1 year ago.
- 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.
2.2 Solvency
- The Debt to FCF ratio of FNB is 3.49, which is a good value as it means it would take FNB, 3.49 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 3.49, FNB is doing worse than 64.49% of the companies in the same industry.
- A Debt/Equity ratio of 0.27 indicates that FNB is not too dependend on debt financing.
- FNB's Debt to Equity ratio of 0.27 is on the low side compared to the rest of the industry. FNB is outperformed by 64.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 3.49 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 5.00% over the past year.
- The Earnings Per Share has been growing slightly by 3.30% on average over the past years.
- FNB shows a small growth in Revenue. In the last year, the Revenue has grown by 6.33%.
- 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)6.33%
Revenue growth 3Y8.86%
Revenue growth 5Y5.68%
Sales Q2Q%10.76%
3.2 Future
- Based on estimates for the next years, FNB will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.44% on average per year.
- Based on estimates for the next years, FNB will show a quite strong growth in Revenue. The Revenue will grow by 8.10% on average per year.
EPS Next Y8.09%
EPS Next 2Y10.92%
EPS Next 3Y11.44%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.75, the valuation of FNB can be described as very reasonable.
- FNB's Price/Earnings ratio is a bit cheaper when compared to the industry. FNB is cheaper than 62.92% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 26.94. FNB is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 10.03, which indicates a very decent valuation of FNB.
- Based on the Price/Forward Earnings ratio, FNB is valued a bit cheaper than the industry average as 60.57% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 23.94. FNB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.75 | ||
| Fwd PE | 10.03 |
4.2 Price Multiples
- FNB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- FNB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.45
PEG (5Y)3.56
EPS Next 2Y10.92%
EPS Next 3Y11.44%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.75%, FNB has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.85, FNB has a dividend in line with its industry peers.
- FNB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.75% |
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
5.3 Sustainability
- 34.52% of the earnings are spent on dividend by FNB. This is a low number and sustainable payout ratio.
DP34.52%
EPS Next 2Y10.92%
EPS Next 3Y11.44%
17.27
-0.09 (-0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16/amc
Earnings (Next)01-27 2026-01-27/amc
Inst Owners87.34%
Inst Owner Change0.47%
Ins Owners1.15%
Ins Owner Change-1.05%
Market Cap6.19B
Revenue(TTM)1.68B
Net Income(TTM)507.00M
Analysts85
Price Target19.38 (12.22%)
Short Float %3.43%
Short Ratio2.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.75% |
Yearly Dividend0.49
Dividend Growth(5Y)-0.63%
DP34.52%
Div Incr Years0
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.16%
Min EPS beat(2)5.53%
Max EPS beat(2)8.79%
EPS beat(4)4
Avg EPS beat(4)9.07%
Min EPS beat(4)5.53%
Max EPS beat(4)15.01%
EPS beat(8)5
Avg EPS beat(8)4.63%
EPS beat(12)9
Avg EPS beat(12)4.63%
EPS beat(16)13
Avg EPS beat(16)4.44%
Revenue beat(2)2
Avg Revenue beat(2)1.58%
Min Revenue beat(2)1.13%
Max Revenue beat(2)2.03%
Revenue beat(4)2
Avg Revenue beat(4)0.33%
Min Revenue beat(4)-1.2%
Max Revenue beat(4)2.03%
Revenue beat(8)2
Avg Revenue beat(8)-2.41%
Revenue beat(12)4
Avg Revenue beat(12)-1.39%
Revenue beat(16)5
Avg Revenue beat(16)-1.08%
PT rev (1m)1%
PT rev (3m)2.36%
EPS NQ rev (1m)0.09%
EPS NQ rev (3m)3.49%
EPS NY rev (1m)0.02%
EPS NY rev (3m)3.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.75 | ||
| Fwd PE | 10.03 | ||
| P/S | 3.68 | ||
| P/FCF | 11.14 | ||
| P/OCF | 9.1 | ||
| P/B | 0.93 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.47
EY8.51%
EPS(NY)1.72
Fwd EY9.97%
FCF(TTM)1.55
FCFY8.97%
OCF(TTM)1.9
OCFY10.99%
SpS4.69
BVpS18.53
TBVpS11.49
PEG (NY)1.45
PEG (5Y)3.56
Graham Number24.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.02% | ||
| ROE | 7.64% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.18% | ||
| GM | N/A | ||
| FCFM | 33.04% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 3.49 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 171.23% | ||
| Cap/Sales | 7.44% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 109.47% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.28%
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 Y8.09%
EPS Next 2Y10.92%
EPS Next 3Y11.44%
EPS Next 5YN/A
Revenue 1Y (TTM)6.33%
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 1Y4.32%
FCF growth 3Y2.14%
FCF growth 5Y18.75%
OCF growth 1Y9.68%
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.
Can you provide the valuation status for FNB CORP?
ChartMill assigns a valuation rating of 5 / 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 valuation of FNB CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FNB CORP (FNB) is 11.75 and the Price/Book (PB) ratio is 0.93.
How financially healthy is FNB CORP?
The financial health rating of FNB CORP (FNB) is 1 / 10.