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FNB CORP (FNB) Stock Fundamental Analysis

USA - NYSE:FNB - US3025201019 - Common Stock

16.12 USD
+0.5 (+3.2%)
Last: 10/14/2025, 8:04:00 PM
16.34 USD
+0.22 (+1.36%)
Pre-Market: 10/15/2025, 8:32:55 AM
Fundamental Rating

3

FNB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. FNB may be in some trouble as it scores bad on both profitability and health. FNB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FNB was profitable.
In the past year FNB had a positive cash flow from operations.
Each year in the past 5 years FNB has been profitable.
Each year in the past 5 years FNB had a positive operating cash flow.
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

FNB has a Return On Assets of 0.94%. This is comparable to the rest of the industry: FNB outperforms 57.03% of its industry peers.
FNB's Return On Equity of 7.16% is in line compared to the rest of the industry. FNB outperforms 40.15% 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's Profit Margin of 28.56% is fine compared to the rest of the industry. FNB outperforms 76.21% of its industry peers.
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 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.
The number of shares outstanding for FNB has been increased compared to 1 year ago.
Compared to 5 years ago, FNB has more shares outstanding
Compared to 1 year ago, FNB has a worse debt to assets ratio.
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.
FNB's Debt to FCF ratio of 6.20 is on the low side compared to the rest of the industry. FNB is outperformed by 71.36% of its industry peers.
FNB has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.32, FNB is not doing good in the industry: 70.08% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 6.2
Altman-Z N/A
ROIC/WACCN/A
WACC13.52%
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 slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.11%.
Measured over the past 5 years, FNB shows a small growth in Earnings Per Share. The EPS has been growing by 3.30% on average per year.
The Revenue has been growing slightly by 3.81% in the past year.
Measured over the past years, FNB shows a small growth in Revenue. The Revenue has been growing by 5.68% on average per year.
EPS 1Y (TTM)-4.11%
EPS 3Y4.41%
EPS 5Y3.3%
EPS Q2Q%5.88%
Revenue 1Y (TTM)3.81%
Revenue growth 3Y8.86%
Revenue growth 5Y5.68%
Sales Q2Q%8.52%

3.2 Future

The Earnings Per Share is expected to grow by 10.54% on average over the next years. This is quite good.
Based on estimates for the next years, FNB will show a quite strong growth in Revenue. The Revenue will grow by 8.32% on average per year.
EPS Next Y4.61%
EPS Next 2Y10.03%
EPS Next 3Y10.54%
EPS Next 5YN/A
Revenue Next Year7.26%
Revenue Next 2Y7.91%
Revenue Next 3Y8.32%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 11.51 indicates a reasonable valuation of FNB.
Based on the Price/Earnings ratio, FNB is valued a bit cheaper than 62.15% of the companies in the same industry.
When comparing the Price/Earnings ratio of FNB to the average of the S&P500 Index (27.49), we can say FNB is valued rather cheaply.
FNB is valuated reasonably with a Price/Forward Earnings ratio of 9.51.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FNB is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, FNB is valued rather cheaply.
Industry RankSector Rank
PE 11.51
Fwd PE 9.51
FNB Price Earnings VS Forward Price EarningsFNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FNB indicates a slightly more expensive valuation: FNB is more expensive than 62.15% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.08
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FNB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.5
PEG (5Y)3.49
EPS Next 2Y10.03%
EPS Next 3Y10.54%

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5

5. Dividend

5.1 Amount

FNB has a Yearly Dividend Yield of 3.01%.
FNB's Dividend Yield is comparable with the industry average which is at 3.59.
FNB's Dividend Yield is a higher than the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 3.01%

5.2 History

The dividend of FNB decreases each year by -0.63%.
FNB has paid a dividend for at least 10 years, which is a reliable track record.
FNB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

FNB pays out 37.47% of its income as dividend. This is a sustainable payout ratio.
DP37.47%
EPS Next 2Y10.03%
EPS Next 3Y10.54%
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 (10/14/2025, 8:04:00 PM)

Premarket: 16.34 +0.22 (+1.36%)

16.12

+0.5 (+3.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/amc
Earnings (Next)10-16 2025-10-16/amc
Inst Owners84.76%
Inst Owner Change0.02%
Ins Owners1.14%
Ins Owner Change0.91%
Market Cap5.79B
Analysts85
Price Target18.93 (17.43%)
Short Float %2.8%
Short Ratio1.25
Dividend
Industry RankSector Rank
Dividend Yield 3.01%
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%
PT rev (3m)12.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.67%
EPS NY rev (1m)0%
EPS NY rev (3m)3.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.55%
Valuation
Industry RankSector Rank
PE 11.51
Fwd PE 9.51
P/S 3.54
P/FCF 16.08
P/OCF 11.6
P/B 0.89
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)1.4
EY8.68%
EPS(NY)1.69
Fwd EY10.51%
FCF(TTM)1
FCFY6.22%
OCF(TTM)1.39
OCFY8.62%
SpS4.55
BVpS18.17
TBVpS11.14
PEG (NY)2.5
PEG (5Y)3.49
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC13.52%
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)-4.11%
EPS 3Y4.41%
EPS 5Y3.3%
EPS Q2Q%5.88%
EPS Next Y4.61%
EPS Next 2Y10.03%
EPS Next 3Y10.54%
EPS Next 5YN/A
Revenue 1Y (TTM)3.81%
Revenue growth 3Y8.86%
Revenue growth 5Y5.68%
Sales Q2Q%8.52%
Revenue Next Year7.26%
Revenue Next 2Y7.91%
Revenue Next 3Y8.32%
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%