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Company Analysis

F.N.B. Corporation FNB

A comprehensive view of key metrics, scores, and financial health for F.N.B. Corporation

Overview of F.N.B. Corporation

FNB NYQ
Financial Services Banks - Regional Mid Cap
F.N.B. Corporation (FNB), is a Mid Cap company, in the Banks - Regional industry, last closed at $15.84, about 20.2% undervalued vs fair value, +16.4% 1Y return, ranked 376/1004 in sector.
$15.84
-1.43%
As of March 13, 2026
Previous close • Vol 90d: 25.9%
52-Week Range
Market Cap
$5.66B
Enterprise Value
$6.34B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.fnb-online.com
HQ Pittsburgh, PA
Employees 4,128
Fiscal year Dec 31

Next Events

Dividend Mar 16
Earnings Apr 15 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$19
$36
Current: $15.84 +20% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.3B
3.3%%
Interest Expense
$929.8M
Net Interest Income
$1.4B
9.1%%
Total Revenue
$2.7B
68.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.3%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$291.0M
63.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating F.N.B. Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
68
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FNB's balance between Growth (38.8%), Profitability (32.4%), and Safety (28.8%). Growth 39% Safety 29% Profitability 32%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
63
Key Signals
Rev Growth YoY 68.8% 61p Revenue CAGR 3Y 23.2% 68p Asset Growth YoY 5.3% 59p
Strengths
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

52th percentile vs peers
53
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
47
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for F.N.B. Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
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- upside
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Base
$19.04
- - -
+20.2% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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