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FNB CORP (FNB) Stock Fundamental Analysis

NYSE:FNB - New York Stock Exchange, Inc. - US3025201019 - Common Stock - Currency: USD

13.29  -0.12 (-0.89%)

After market: 13.29 0 (0%)

Fundamental Rating

3

FNB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. Both the profitability and financial health of FNB have multiple concerns. 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

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

FNB has a better Return On Assets (0.94%) than 62.31% of its industry peers.
Looking at the Return On Equity, with a value of 7.28%, FNB is in line with its industry, outperforming 40.45% of the companies in the same industry.
Industry RankSector Rank
ROA 0.94%
ROE 7.28%
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

The Profit Margin of FNB (28.76%) is better than 78.89% 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) 28.76%
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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1

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.
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 3.84. This is a good value and a sign of high solvency as FNB would need 3.84 years to pay back of all of its debts.
FNB has a Debt to FCF ratio of 3.84. This is in the lower half of the industry: FNB underperforms 64.32% of its industry peers.
FNB has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
FNB has a worse Debt to Equity ratio (0.29) than 66.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 3.84
Altman-Z N/A
ROIC/WACCN/A
WACC14.17%
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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4

3. Growth

3.1 Past

The earnings per share for FNB have decreased by -8.61% in the last year.
FNB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.30% yearly.
Looking at the last year, FNB shows a small growth in Revenue. The Revenue has grown by 1.24% in the last year.
The Revenue has been growing slightly by 5.68% on average over the past years.
EPS 1Y (TTM)-8.61%
EPS 3Y4.41%
EPS 5Y3.3%
EPS Q2Q%-5.88%
Revenue 1Y (TTM)1.24%
Revenue growth 3Y8.86%
Revenue growth 5Y5.68%
Sales Q2Q%1.17%

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 8.08% on average per year.
Based on estimates for the next years, FNB will show a small growth in Revenue. The Revenue will grow by 7.44% on average per year.
EPS Next Y1.36%
EPS Next 2Y9.56%
EPS Next 3Y8.08%
EPS Next 5YN/A
Revenue Next Year5.44%
Revenue Next 2Y7.63%
Revenue Next 3Y7.44%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.63, the valuation of FNB can be described as very reasonable.
77.64% of the companies in the same industry are more expensive than FNB, based on the Price/Earnings ratio.
FNB is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.91, which indicates a rather cheap valuation of FNB.
Based on the Price/Forward Earnings ratio, FNB is valued cheaply inside the industry as 80.40% of the companies are valued more expensively.
FNB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.63
Fwd PE 7.91
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

FNB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FNB is cheaper than 64.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.49
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 an expensive valuation of the company.
PEG (NY)7.08
PEG (5Y)2.91
EPS Next 2Y9.56%
EPS Next 3Y8.08%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.58%, FNB has a reasonable but not impressive dividend return.
FNB's Dividend Yield is a higher than the industry average which is at 3.54.
FNB's Dividend Yield is a higher than the S&P500 average which is at 2.47.
Industry RankSector Rank
Dividend Yield 3.58%

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 38.56% of its income as dividend. This is a sustainable payout ratio.
DP38.56%
EPS Next 2Y9.56%
EPS Next 3Y8.08%
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 (4/25/2025, 8:08:06 PM)

After market: 13.29 0 (0%)

13.29

-0.12 (-0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/amc
Earnings (Next)07-15 2025-07-15/amc
Inst Owners81.89%
Inst Owner Change-0.24%
Ins Owners0.93%
Ins Owner Change3.13%
Market Cap4.78B
Analysts83.33
Price Target16.77 (26.19%)
Short Float %2.85%
Short Ratio3.31
Dividend
Industry RankSector Rank
Dividend Yield 3.58%
Yearly Dividend0.49
Dividend Growth(5Y)-0.63%
DP38.56%
Div Incr Years0
Div Non Decr Years15
Ex-Date03-03 2025-03-03 (0.12)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.89%
Min EPS beat(2)-3.23%
Max EPS beat(2)15.01%
EPS beat(4)1
Avg EPS beat(4)2.22%
Min EPS beat(4)-3.23%
Max EPS beat(4)15.01%
EPS beat(8)5
Avg EPS beat(8)3.74%
EPS beat(12)9
Avg EPS beat(12)4.13%
EPS beat(16)13
Avg EPS beat(16)4.82%
Revenue beat(2)0
Avg Revenue beat(2)-0.72%
Min Revenue beat(2)-1.2%
Max Revenue beat(2)-0.23%
Revenue beat(4)0
Avg Revenue beat(4)-1.12%
Min Revenue beat(4)-2.03%
Max Revenue beat(4)-0.23%
Revenue beat(8)1
Avg Revenue beat(8)-2.78%
Revenue beat(12)3
Avg Revenue beat(12)-1.45%
Revenue beat(16)4
Avg Revenue beat(16)-1.21%
PT rev (1m)-1.34%
PT rev (3m)-2.65%
EPS NQ rev (1m)0.67%
EPS NQ rev (3m)-5.35%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)-0.72%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)0.38%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)0.98%
Valuation
Industry RankSector Rank
PE 9.63
Fwd PE 7.91
P/S 2.99
P/FCF 9.49
P/OCF 7.44
P/B 0.76
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)1.38
EY10.38%
EPS(NY)1.68
Fwd EY12.64%
FCF(TTM)1.4
FCFY10.53%
OCF(TTM)1.79
OCFY13.44%
SpS4.44
BVpS17.54
TBVpS10.5
PEG (NY)7.08
PEG (5Y)2.91
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 7.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.76%
GM N/A
FCFM 31.52%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 3.84
Debt/EBITDA N/A
Cap/Depr 207.46%
Cap/Sales 8.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 109.59%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.17%
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)-8.61%
EPS 3Y4.41%
EPS 5Y3.3%
EPS Q2Q%-5.88%
EPS Next Y1.36%
EPS Next 2Y9.56%
EPS Next 3Y8.08%
EPS Next 5YN/A
Revenue 1Y (TTM)1.24%
Revenue growth 3Y8.86%
Revenue growth 5Y5.68%
Sales Q2Q%1.17%
Revenue Next Year5.44%
Revenue Next 2Y7.63%
Revenue Next 3Y7.44%
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 1Y50.15%
FCF growth 3Y2.14%
FCF growth 5Y18.75%
OCF growth 1Y51.77%
OCF growth 3Y6.6%
OCF growth 5Y19.91%