FNB
NEUTRAL
$17.52
Live
F.N.B. Corporation · NYSE
Target $20.38
(+16.3%)
$12.88
52W Range
$19.14
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 27, 2026
Market cap
$6.23B
P/E
10.81
ROE
8.9%
Profit margin
34.1%
Debt/Equity
N/A
Dividend yield
2.97%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
FNB presents a stark contrast between deep value and deteriorating financial health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($26.4) and Intrinsic Value ($47.79), and trades below book value (P/B 0.92), the deterministic health markers are concerning. Strong YoY earnings growth (18.8%) and a consistent track record of earnings beats provide a bullish fundamental backdrop, but these are offset by bearish insider sentiment and a complete lack of technical momentum. The overall outlook is neutral as the value proposition is currently fighting against poor operational health signals.
Key Strengths
Deep value pricing with P/B ratio of 0.92
Strong earnings growth (YoY +18.8%) and revenue growth (YoY +9.6%)
Consistent history of beating earnings estimates over 25 quarters
Low P/E (10.81) and Forward P/E (8.96) relative to sector averages
Sustainable dividend payout ratio of 29.63%
Key Risks
Very weak Piotroski F-Score (2/9) indicating poor financial health trends
Bearish insider activity with recent officer sales
Zero technical momentum (Technical Trend: 0/100)
Recent Q/Q EPS growth decline of -24.0%
Regional banking sector sensitivity to interest rate volatility
AI Fair Value Estimate
Based on comprehensive analysis
$26.4
+50.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
66
Strong
95
70
85
20
60
AI Verdict
Value Trap Risk
Key drivers: Extreme valuation discount, Critical health score failure, Strong historical earnings performance
Confidence
90%
Value
95/100
Ref P/E 10.81, PEG 1.05, Graham Number $26.4
Positives
- Price is well below Graham Number
- P/B < 1.0
- Low PEG ratio of 1.05
Watchpoints
No urgent risks highlighted.
Future
70/100
Ref Growth rates
Positives
- Strong YoY earnings growth
- Positive Q/Q revenue growth
Watchpoints
- Recent Q/Q EPS contraction
Past
85/100
Ref Historical trends
Positives
- Long-term earnings beat consistency
- Positive 5Y price change (+62.1%)
Watchpoints
No urgent risks highlighted.
Health
20/100
Ref Piotroski F-Score
Positives
No standout positives identified.
Watchpoints
- Piotroski F-Score of 2/9 is in the 'Weak' category
Dividend
60/100
Ref Yield 2.97%, Payout 29.63%
Positives
- Low payout ratio ensures safety
Watchpoints
- Low overall dividend strength score (35/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$17.52
Analyst Target
$20.38
Upside/Downside
+16.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FNB and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FNB
F.N.B. Corporation
Primary
|
+62.1% | +73.8% | +34.7% | +14.1% | +6.2% | -2.3% |
|
GBCI
Glacier Bancorp, Inc.
Peer
|
-7.2% | +64.2% | +17.7% | +12.8% | +9.9% | -0.5% |
|
UBSI
United Bankshares, Inc.
Peer
|
+36.3% | +50.8% | +31.3% | +21.7% | +6.5% | -1.8% |
|
ESNT
Essent Group Ltd.
Peer
|
+33.3% | +63.0% | +14.7% | +4.3% | +9.8% | +2.5% |
|
MKTX
MarketAxess Holdings Inc.
Peer
|
-65.4% | -45.9% | -20.2% | +1.9% | -3.1% | -0.3% |
FNB
F.N.B. Corporation
Primary
5Y
+62.1%
3Y
+73.8%
1Y
+34.7%
6M
+14.1%
1M
+6.2%
1W
-2.3%
GBC
Glacier Bancorp, Inc.
Peer
5Y
-7.2%
3Y
+64.2%
1Y
+17.7%
6M
+12.8%
1M
+9.9%
1W
-0.5%
UBS
United Bankshares, Inc.
Peer
5Y
+36.3%
3Y
+50.8%
1Y
+31.3%
6M
+21.7%
1M
+6.5%
1W
-1.8%
ESN
Essent Group Ltd.
Peer
5Y
+33.3%
3Y
+63.0%
1Y
+14.7%
6M
+4.3%
1M
+9.8%
1W
+2.5%
MKT
MarketAxess Holdings Inc.
Peer
5Y
-65.4%
3Y
-45.9%
1Y
-20.2%
6M
+1.9%
1M
-3.1%
1W
-0.3%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
10.81
Forward P/E
8.96
PEG Ratio
1.05
P/B Ratio
0.92
P/S Ratio
3.63
EV/Revenue
4.5
EV/EBITDA
N/A
Market Cap
$6.23B
Profitability
Profit margins and return metrics
Profit Margin
34.11%
Operating Margin
42.01%
Gross Margin
N/A
ROE
8.86%
ROA
1.18%
Growth
Revenue and earnings growth rates
Revenue Growth
+9.6%
Earnings Growth
+18.8%
Q/Q Revenue Growth
+22.79%
Q/Q Earnings Growth
+17.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$7.48
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-16
$N/A
2026-04-16
$0.38
-1.0% surprise
2026-01-20
$0.5
+22.7% surprise
2025-10-16
$0.41
+10.4% surprise
Financial Services Sector Comparison
Comparing FNB against 763 companies in the Financial Services sector
(133 bullish, 317 neutral, 313 bearish)
P/E Ratio
10.81
This Stock
vs
38.21
Sector Avg
-71.7%
(Discount)
Return on Equity (ROE)
8.86%
This Stock
vs
-1.82%
Sector Avg
-586.6%
(Below Avg)
Profit Margin
34.11%
This Stock
vs
75.74%
Sector Avg
-55.0%
(Weaker)
Revenue Growth
9.6%
This Stock
vs
37.18%
Sector Avg
-74.2%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FNB
F.N.B. Corporation
|
NEUTRAL | $6.23B | 10.81 | 8.9% | 34.1% | $17.52 | |
|
GBCI
Glacier Bancorp, Inc.
|
NEUTRAL | $6.34B | 24.48 | 7.1% | 25.7% | $48.72 | Compare |
|
UBSI
United Bankshares, Inc.
|
NEUTRAL | $5.99B | 12.18 | 9.3% | 40.3% | $43.49 | Compare |
|
ESNT
Essent Group Ltd.
|
NEUTRAL | $5.98B | 9.22 | 12.1% | 54.7% | $63.62 | Compare |
|
MKTX
MarketAxess Holdings Inc.
|
NEUTRAL | $6.49B | 26.25 | 19.4% | 29.1% | $174.56 | Compare |
FNB
F.N.B. Corporation
NEUTRAL
Mkt Cap
$6.2B
P/E
10.8
ROE
8.9%
Price
$17.52
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-18 | DELIE VINCENT J JR | Chief Executive Officer | Stock Award | 227,919 | $3,671,775 |
| 2026-03-18 | CALABRESE VINCENT J. JR | Chief Financial Officer | Stock Award | 63,833 | $1,028,350 |
| 2026-03-18 | ORIE JAMES G | Officer | Stock Award | 23,615 | $380,438 |
| 2026-03-18 | GUERRIERI GARY LEE | Officer | Stock Award | 39,093 | $629,788 |
| 2026-03-18 | DUTEY JAMES L | Officer | Stock Award | 11,716 | $188,745 |
| 2026-03-18 | DAVID BRYANT MITCHELL | Officer | Stock Award | 30,280 | $487,811 |
| 2026-02-18 | DELIE VINCENT J JR | Chief Executive Officer | Stock Award | 83,499 | $1,518,012 |
| 2026-02-18 | CALABRESE VINCENT J. JR | Chief Financial Officer | Stock Award | 20,628 | $375,017 |
| 2026-02-18 | ORIE JAMES G | Officer | Stock Award | 8,911 | $162,002 |
| 2026-02-18 | GUERRIERI GARY LEE | Officer | Stock Award | 11,860 | $215,615 |
| 2026-02-18 | DUTEY JAMES L | Officer | Stock Award | 3,587 | $65,212 |
| 2026-02-18 | DAVID BRYANT MITCHELL | Officer | Stock Award | 9,030 | $164,165 |
| 2026-02-18 | CHO ALFRED D. | Officer | Stock Award | 8,911 | $162,002 |
| 2025-12-10 | GUERRIERI GARY LEE | Officer | Sale | 15,000 | $265,050 |
| 2025-12-02 | DUTEY JAMES L | Officer | Sale | 40,000 | $670,080 |
DELIE VINCENT J JR
Chief Executive Officer
2026-03-18
227,919 shares
·
$3,671,775
CALABRESE VINCENT J. JR
Chief Financial Officer
2026-03-18
63,833 shares
·
$1,028,350
ORIE JAMES G
Officer
2026-03-18
23,615 shares
·
$380,438
GUERRIERI GARY LEE
Officer
2026-03-18
39,093 shares
·
$629,788
DUTEY JAMES L
Officer
2026-03-18
11,716 shares
·
$188,745
DAVID BRYANT MITCHELL
Officer
2026-03-18
30,280 shares
·
$487,811
DELIE VINCENT J JR
Chief Executive Officer
2026-02-18
83,499 shares
·
$1,518,012
CALABRESE VINCENT J. JR
Chief Financial Officer
2026-02-18
20,628 shares
·
$375,017
ORIE JAMES G
Officer
2026-02-18
8,911 shares
·
$162,002
GUERRIERI GARY LEE
Officer
2026-02-18
11,860 shares
·
$215,615
DUTEY JAMES L
Officer
2026-02-18
3,587 shares
·
$65,212
DAVID BRYANT MITCHELL
Officer
2026-02-18
9,030 shares
·
$164,165
CHO ALFRED D.
Officer
2026-02-18
8,911 shares
·
$162,002
GUERRIERI GARY LEE
Officer
2025-12-10
15,000 shares
·
$265,050
DUTEY JAMES L
Officer
2025-12-02
40,000 shares
·
$670,080
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
DEF 14A
10-K
8-K
8-K
10-Q
8-K
8-K
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
8 analysts
Keefe, Bruyette & Woods
2026-04-20
Outperform
Outperform
Truist Securities
2026-04-20
Buy
Buy
Truist Securities
2026-01-22
Buy
Buy
Piper Sandler
2026-01-22
Overweight
Overweight
Past News Coverage
Recent headlines mentioning FNB from our newsroom.
Newest → oldest
No matching news yet.