FNB CORP (FNB) Stock Fundamental Analysis

NYSE:FNB • US3025201019

16.99 USD
-1.02 (-5.66%)
At close: Feb 27, 2026
16.99 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, FNB scores 3 out of 10 in our fundamental rating. FNB was compared to 379 industry peers in the Banks industry. FNB has a bad profitability rating. Also its financial health evaluation is rather negative. FNB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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.
  • In the past 5 years FNB has always been profitable.
  • FNB had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.02%, FNB is in line with its industry, outperforming 59.89% of the companies in the same industry.
  • FNB has a worse Return On Equity (7.64%) than 61.74% of its industry peers.
Industry RankSector Rank
ROA 1.02%
ROE 7.64%
ROIC N/A
ROA(3y)1.03%
ROA(5y)1.02%
ROE(3y)7.84%
ROE(5y)7.77%
ROIC(3y)N/A
ROIC(5y)N/A
FNB Yearly ROA, ROE, ROICFNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • FNB's Profit Margin of 30.18% is fine compared to the rest of the industry. FNB outperforms 77.57% of its industry peers.
  • FNB's Profit Margin has improved 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) 30.18%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.36%
PM growth 5Y6.98%
GM growth 3YN/A
GM growth 5YN/A
FNB Yearly Profit, Operating, Gross MarginsFNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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 reduced compared to 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.
FNB Yearly Shares OutstandingFNB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
FNB Yearly Total Debt VS Total AssetsFNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B 50B

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 63.85% of the companies in the same industry.
  • A Debt/Equity ratio of 0.27 indicates that FNB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.27, FNB is doing worse than 64.38% 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
WACC13.13%
FNB Yearly LT Debt VS Equity VS FCFFNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 11.43% over the past year.
  • Measured over the past years, FNB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.20% on average per year.
  • The Revenue has grown by 10.58% in the past year. This is quite good.
  • The Revenue has been growing slightly by 7.74% on average over the past years.
EPS 1Y (TTM)11.43%
EPS 3Y3.92%
EPS 5Y10.2%
EPS Q2Q%23.68%
Revenue 1Y (TTM)10.58%
Revenue growth 3Y6.95%
Revenue growth 5Y7.74%
Sales Q2Q%12.44%

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 12.08% on average per year.
  • Based on estimates for the next years, FNB will show a small growth in Revenue. The Revenue will grow by 7.79% on average per year.
EPS Next Y10.85%
EPS Next 2Y12.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.67%
Revenue Next 2Y7.79%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same 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 stable.
FNB Yearly Revenue VS EstimatesFNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

  • FNB is valuated reasonably with a Price/Earnings ratio of 10.89.
  • FNB's Price/Earnings ratio is a bit cheaper when compared to the industry. FNB is cheaper than 65.44% of the companies in the same industry.
  • FNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.07.
  • The Price/Forward Earnings ratio is 9.83, 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 60.95% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of FNB to the average of the S&P500 Index (28.05), we can say FNB is valued rather cheaply.
Industry RankSector Rank
PE 10.89
Fwd PE 9.83
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 62.53% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.94
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as FNB's earnings are expected to grow with 12.08% in the coming years.
PEG (NY)1
PEG (5Y)1.07
EPS Next 2Y12.08%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • FNB has a Yearly Dividend Yield of 2.67%.
  • Compared to an average industry Dividend Yield of 2.73, FNB has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, FNB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.67%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

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 2Y12.08%
EPS Next 3YN/A
FNB Yearly Income VS Free CF VS DividendFNB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 (2/27/2026, 8:04:00 PM)

After market: 16.99 0 (0%)

16.99

-1.02 (-5.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-14
Inst Owners87.34%
Inst Owner Change-0.07%
Ins Owners1.15%
Ins Owner Change0.47%
Market Cap6.07B
Revenue(TTM)1.76B
Net Income(TTM)507.00M
Analysts83.64
Price Target20.46 (20.42%)
Short Float %3.44%
Short Ratio2.19
Dividend
Industry RankSector Rank
Dividend Yield 2.67%
Yearly Dividend0.49
Dividend Growth(5Y)-0.63%
DP34.52%
Div Incr Years0
Div Non Decr Years15
Ex-Date03-02
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)5.59%
PT rev (3m)6.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.19%
EPS NY rev (1m)0.23%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.41%
Valuation
Industry RankSector Rank
PE 10.89
Fwd PE 9.83
P/S 3.61
P/FCF 10.94
P/OCF 8.93
P/B 0.91
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)1.56
EY9.18%
EPS(NY)1.73
Fwd EY10.18%
FCF(TTM)1.55
FCFY9.14%
OCF(TTM)1.9
OCFY11.2%
SpS4.7
BVpS18.57
TBVpS11.52
PEG (NY)1
PEG (5Y)1.07
Graham Number25.53
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)1.03%
ROA(5y)1.02%
ROE(3y)7.84%
ROE(5y)7.77%
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 3Y2.36%
PM growth 5Y6.98%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
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-Score9
WACC13.13%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.43%
EPS 3Y3.92%
EPS 5Y10.2%
EPS Q2Q%23.68%
EPS Next Y10.85%
EPS Next 2Y12.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.58%
Revenue growth 3Y6.95%
Revenue growth 5Y7.74%
Sales Q2Q%12.44%
Revenue Next Year7.67%
Revenue Next 2Y7.79%
Revenue Next 3YN/A
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 1Y195.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y129.73%
OCF growth 3YN/A
OCF growth 5YN/A

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 6 / 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 10.89 and the Price/Book (PB) ratio is 0.91.


How financially healthy is FNB CORP?

The financial health rating of FNB CORP (FNB) is 1 / 10.