FNB CORP (FNB) Stock Fundamental Analysis
USA - NYSE:FNB - US3025201019 - Common Stock
16.41 USD
-0.03 (-0.18%)
16.41 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to FNB. FNB was compared to 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.
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.
In the past 5 years FNB always reported a positive cash flow from operatings.
1.2 Ratios
FNB has a Return On Assets (0.94%) which is comparable to the rest of the industry.
FNB has a Return On Equity of 7.16%. This is comparable to the rest of the industry: FNB outperforms 40.15% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of FNB (28.56%) is better than 76.21% 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 Rank | Sector 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
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.
FNB has more shares outstanding than it did 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 6.20. 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 has a Debt to FCF ratio of 6.20. This is in the lower half of the industry: FNB underperforms 70.33% 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.
FNB has a Debt to Equity ratio of 0.32. This is in the lower half of the industry: FNB underperforms 69.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 6.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.64%
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 -4.11% 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.
FNB shows a small growth in Revenue. In the last year, the Revenue has grown by 3.81%.
The Revenue has been growing slightly by 5.68% on average over the past years.
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
Based on estimates for the next years, FNB will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.54% on average per year.
FNB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.32% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.72, the valuation of FNB can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FNB indicates a somewhat cheap valuation: FNB is cheaper than 62.40% of the companies listed in the same industry.
FNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
Based on the Price/Forward Earnings ratio of 9.68, the valuation of FNB can be described as reasonable.
61.64% of the companies in the same industry are more expensive than FNB, based on the Price/Forward Earnings ratio.
FNB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 9.68 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FNB is valued a bit more expensive than the industry average as 61.13% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.37 | ||
| EV/EBITDA | N/A |
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)2.54
PEG (5Y)3.55
EPS Next 2Y10.03%
EPS Next 3Y10.54%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.86%, FNB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.56, FNB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, FNB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
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
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%
16.41
-0.03 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.66%
Inst Owner Change2.82%
Ins Owners1.14%
Ins Owner Change4.26%
Market Cap5.89B
Analysts85
Price Target18.93 (15.36%)
Short Float %2.28%
Short Ratio1.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
Yearly Dividend0.49
Dividend Growth(5Y)-0.63%
DP37.47%
Div Incr Years0
Div Non Decr Years15
Ex-Date
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)10%
PT rev (3m)12.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.02%
EPS NY rev (1m)3.07%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 9.68 | ||
| P/S | 3.6 | ||
| P/FCF | 16.37 | ||
| P/OCF | 11.81 | ||
| P/B | 0.9 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.4
EY8.53%
EPS(NY)1.69
Fwd EY10.33%
FCF(TTM)1
FCFY6.11%
OCF(TTM)1.39
OCFY8.47%
SpS4.55
BVpS18.17
TBVpS11.14
PEG (NY)2.54
PEG (5Y)3.55
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC13.64%
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%