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FNB CORP (FNB) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:FNB - US3025201019 - Common Stock

17.01 USD
+0.1 (+0.59%)
Last: 12/8/2025, 8:10:51 PM
17.0474 USD
+0.04 (+0.22%)
After Hours: 12/8/2025, 8:10:51 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FNB. FNB was compared to 387 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FNB had positive earnings in the past year.
FNB had a positive operating cash flow in the past year.
FNB had positive earnings in each of the past 5 years.
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

The Return On Assets of FNB (1.02%) is better than 62.27% of its industry peers.
FNB has a worse Return On Equity (7.64%) than 60.98% of its industry peers.
Industry RankSector 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
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 (30.18%) than 79.84% of its industry peers.
In the last couple of years the Profit Margin of FNB has declined.
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) 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
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
FNB has more shares outstanding than it did 5 years ago.
FNB has a worse debt/assets ratio than last year.
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

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.
With a Debt to FCF ratio value of 3.49, FNB is not doing good in the industry: 63.31% of the companies in the same industry are doing better.
FNB has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.27, FNB is doing worse than 65.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 3.49
Altman-Z N/A
ROIC/WACCN/A
WACC13.34%
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%.
The Earnings Per Share has been growing slightly by 3.30% on average over the past years.
Looking at the last year, FNB shows a small growth in Revenue. The Revenue has grown by 6.33% in the last 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)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 11.20% on average per year.
The Revenue is expected to grow by 8.10% on average over the next years. This is quite good.
EPS Next Y8.07%
EPS Next 2Y10.72%
EPS Next 3Y11.2%
EPS Next 5YN/A
Revenue Next Year8.05%
Revenue Next 2Y8.08%
Revenue Next 3Y8.1%
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.
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

The Price/Earnings ratio is 11.57, which indicates a very decent valuation of FNB.
FNB's Price/Earnings ratio is a bit cheaper when compared to the industry. FNB is cheaper than 60.72% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.34, FNB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.91, the valuation of FNB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FNB is on the same level as its industry peers.
FNB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.56.
Industry RankSector Rank
PE 11.57
Fwd PE 9.91
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 in line with the industry average.
Industry RankSector Rank
P/FCF 10.98
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

FNB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.43
PEG (5Y)3.5
EPS Next 2Y10.72%
EPS Next 3Y11.2%

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5

5. Dividend

5.1 Amount

FNB has a Yearly Dividend Yield of 2.83%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.11, FNB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, FNB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.83%

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 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 34.52% of its income as dividend. This is a sustainable payout ratio.
DP34.52%
EPS Next 2Y10.72%
EPS Next 3Y11.2%
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 (12/8/2025, 8:10:51 PM)

After market: 17.0474 +0.04 (+0.22%)

17.01

+0.1 (+0.59%)

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 Owners87.47%
Inst Owner Change3.12%
Ins Owners1.16%
Ins Owner Change-0.55%
Market Cap6.09B
Revenue(TTM)1.68B
Net Income(TTM)507.00M
Analysts85.45
Price Target19.19 (12.82%)
Short Float %4.58%
Short Ratio1.59
Dividend
Industry RankSector Rank
Dividend Yield 2.83%
Yearly Dividend0.49
Dividend Growth(5Y)-0.63%
DP34.52%
Div Incr Years0
Div Non Decr Years15
Ex-Date12-01 2025-12-01 (0.12)
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)0.91%
PT rev (3m)1.35%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)2.81%
EPS NY rev (1m)0.38%
EPS NY rev (3m)3.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.73%
Valuation
Industry RankSector Rank
PE 11.57
Fwd PE 9.91
P/S 3.63
P/FCF 10.98
P/OCF 8.96
P/B 0.92
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)1.47
EY8.64%
EPS(NY)1.72
Fwd EY10.09%
FCF(TTM)1.55
FCFY9.11%
OCF(TTM)1.9
OCFY11.16%
SpS4.69
BVpS18.53
TBVpS11.49
PEG (NY)1.43
PEG (5Y)3.5
Graham Number24.76
Profitability
Industry RankSector 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 RankSector 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
WACC13.34%
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 Y8.07%
EPS Next 2Y10.72%
EPS Next 3Y11.2%
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.


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 8.07% 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 34.52%.