FNB CORP (FNB) Stock Fundamental Analysis
NYSE:FNB - New York Stock Exchange, Inc. - US3025201019 - Common Stock - Currency: USD
We assign a fundamental rating of 3 out of 10 to FNB. FNB was compared to 395 industry peers in the Banks industry. FNB has a bad profitability rating. Also its financial health evaluation is rather negative. FNB is not valued too expensively and it also shows a decent growth rate.
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.
1.2 Ratios
With a decent Return On Assets value of 0.94%, FNB is doing good in the industry, outperforming 61.27% of the companies in the same industry.
With a Return On Equity value of 7.17%, FNB is not doing good in the industry: 60.76% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 7.17% | ||
| 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
FNB has a better Profit Margin (28.75%) than 78.48% of its industry peers.
In the last couple of years the Profit Margin of FNB has declined.
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) | 28.75% | ||
| 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.
Compared to 1 year ago, FNB has a worse debt to assets ratio.
2.2 Solvency
FNB has a debt to FCF ratio of 6.69. This is a slightly negative value and a sign of low solvency as FNB would need 6.69 years to pay back of all of its debts.
With a Debt to FCF ratio value of 6.69, FNB is not doing good in the industry: 74.18% of the companies in the same industry are doing better.
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: 70.63% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 6.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FNB have decreased by -8.61% in the last year.
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.
Looking at the last year, FNB shows a small growth in Revenue. The Revenue has grown by 1.20% 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)1.2%
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
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
FNB is valuated reasonably with a Price/Earnings ratio of 10.50.
Based on the Price/Earnings ratio, FNB is valued a bit cheaper than the industry average as 74.18% of the companies are valued more expensively.
FNB is valuated cheaply when we compare the Price/Earnings ratio to 24.95, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.62 indicates a reasonable valuation of FNB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FNB indicates a somewhat cheap valuation: FNB is cheaper than 76.46% of the companies listed in the same industry.
FNB is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.5 | ||
| Fwd PE | 8.62 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FNB is valued a bit more expensive than the industry average as 62.78% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.78 | ||
| EV/EBITDA | N/A |
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)7.72
PEG (5Y)3.18
EPS Next 2Y9.56%
EPS Next 3Y8.08%
5. Dividend
5.1 Amount
FNB has a Yearly Dividend Yield of 3.47%. Purely for dividend investing, there may be better candidates out there.
FNB's Dividend Yield is a higher than the industry average which is at 3.42.
FNB's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
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
38.04% of the earnings are spent on dividend by FNB. This is a low number and sustainable payout ratio.
DP38.04%
EPS Next 2Y9.56%
EPS Next 3Y8.08%
14.49
+0.15 (+1.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.89%
Inst Owner Change-0.02%
Ins Owners0.93%
Ins Owner Change4.02%
Market Cap5.21B
Analysts85
Price Target16.77 (15.73%)
Short Float %3.8%
Short Ratio4.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
Yearly Dividend0.49
Dividend Growth(5Y)-0.63%
DP38.04%
Div Incr Years0
Div Non Decr Years15
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.98%
Min EPS beat(2)6.95%
Max EPS beat(2)15.01%
EPS beat(4)2
Avg EPS beat(4)4.07%
Min EPS beat(4)-3.23%
Max EPS beat(4)15.01%
EPS beat(8)5
Avg EPS beat(8)4.38%
EPS beat(12)9
Avg EPS beat(12)4.09%
EPS beat(16)13
Avg EPS beat(16)4.75%
Revenue beat(2)0
Avg Revenue beat(2)-0.93%
Min Revenue beat(2)-1.2%
Max Revenue beat(2)-0.65%
Revenue beat(4)0
Avg Revenue beat(4)-1.03%
Min Revenue beat(4)-2.03%
Max Revenue beat(4)-0.23%
Revenue beat(8)1
Avg Revenue beat(8)-2.79%
Revenue beat(12)3
Avg Revenue beat(12)-1.42%
Revenue beat(16)4
Avg Revenue beat(16)-1.08%
PT rev (1m)-10.54%
PT rev (3m)-11.74%
EPS NQ rev (1m)-0.77%
EPS NQ rev (3m)-1.19%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)-0.21%
Revenue NQ rev (3m)-0.27%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.5 | ||
| Fwd PE | 8.62 | ||
| P/S | 3.25 | ||
| P/FCF | 15.78 | ||
| P/OCF | 11.3 | ||
| P/B | 0.81 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY9.52%
EPS(NY)1.68
Fwd EY11.6%
FCF(TTM)0.92
FCFY6.34%
OCF(TTM)1.28
OCFY8.85%
SpS4.45
BVpS17.86
TBVpS10.83
PEG (NY)7.72
PEG (5Y)3.18
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 7.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.75% | ||
| GM | N/A | ||
| FCFM | 20.63% |
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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 6.69 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 184.51% | ||
| Cap/Sales | 8.19% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 71.74% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.01%
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)1.2%
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 1Y-57.58%
FCF growth 3Y2.14%
FCF growth 5Y18.75%
OCF growth 1Y-47.55%
OCF growth 3Y6.6%
OCF growth 5Y19.91%