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F.N.B. Corp (FNB)
NYSE:FNB
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F.N.B. (FNB) AI Stock Analysis

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FN

F.N.B.

(NYSE:FNB)

Rating:78Outperform
Price Target:
$17.50
â–²(13.93%Upside)
F.N.B.'s overall stock score is driven by its strong financial performance and positive earnings call sentiment. The stock's valuation is attractive, and recent corporate events bolster confidence in its governance. However, technical indicators suggest caution due to overbought conditions, which may pose short-term risks.
Positive Factors
Capital Position
The company's common equity tier 1 ratio reached a record 10.7%, indicating strong capital position.
Cost Management
The reported expense increase was within the guidance range and better than expected, showing effective cost management.
Loan and Deposit Growth
Loan and deposit growth exceeded expectations, with loans increasing by 0.9% and deposits by 0.4% quarter-over-quarter.
Negative Factors
Expense Concerns
Expenses were the main negative, with fourth quarter core expenses higher than expected, boosted by non-repeatable healthcare costs.
Investor Sentiment
Short interest appears elevated, which might indicate investor skepticism about the stock's performance.

F.N.B. (FNB) vs. SPDR S&P 500 ETF (SPY)

F.N.B. Business Overview & Revenue Model

Company DescriptionF.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, Wealth Management, and Insurance. It offers commercial banking solutions, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. The company also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services; and wealth management services comprising personal and corporate fiduciary services comprising administration of decedent and trust estates; securities brokerage and investment advisory services, mutual funds, and annuities; and commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. As of December 31, 2021, it operated 334 banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.
How the Company Makes MoneyFNB generates revenue through a variety of channels primarily centered around its banking and financial service offerings. The company earns interest income by providing loans to individuals and businesses, including commercial real estate, consumer loans, and residential mortgages. Additionally, FNB collects non-interest income through fees and services such as deposit accounts, credit cards, treasury management, and investment advisory services. The wealth management and insurance segments further contribute to revenue through commissions and advisory fees. FNB's strategic partnerships and acquisitions also play a role in expanding its service offerings and customer base, thereby bolstering its revenue streams.

F.N.B. Earnings Call Summary

Earnings Call Date:Jul 17, 2025
(Q1-2025)
|
% Change Since: 26.73%|
Next Earnings Date:Oct 15, 2025
Earnings Call Sentiment Positive
The earnings call presented several positive metrics such as record capital levels, tangible book value growth, and stable non-interest income. However, challenges such as the potential impact of tariffs and reduced commercial real estate activities were also highlighted. Despite some lowlights, the consistent growth in net interest income and loan and deposit growth indicate a generally positive sentiment.
Q1-2025 Updates
Positive Updates
Record Capital Levels
F.N.B. achieved record capital levels with CET1 at 10.7% and tangible common equity to tangible assets at 8.4%.
Tangible Book Value Growth
Tangible book value per share grew by 12% to $10.83.
Net Interest Income Growth
Net interest income increased by $1.6 million from the prior quarter, even with two fewer days.
Non-Interest Income Stability
Non-interest income totaled $87.8 million, consistent with the year-ago quarter.
Loan and Deposit Growth
Annualized loan and deposit growth were 3.5% and 1.4% respectively, in a seasonally slower period.
Digital Banking Enhancements
Launched automated direct deposit switch capabilities to improve digital banking experience.
Asset Quality Metrics
Total delinquency ended the quarter at 75 basis points, down 8 BPS from the prior quarter.
Negative Updates
Impact of Tariffs
Potential impacts of tariffs on loan portfolio, with less than 5% of exposures at risk of greater impact.
Slower Commercial Real Estate Activity
Commercial real estate portfolio reduced by $283 million in the quarter.
Capital Markets Income Impact
Capital markets income of $5.3 million was impacted by lower commercial customer activity.
Company Guidance
During the first quarter of 2025, F.N.B. Corporation demonstrated solid financial performance with net income available to common shareholders reaching $116.5 million, or $0.32 per share. The company reported total revenue of $411.2 million, primarily driven by growth in net interest income and solid non-interest income, which totaled $87.8 million. Tangible book value per share increased by 12%, amounting to $10.83, while capital levels remained strong with a Common Equity Tier 1 (CET1) ratio of 10.7% and a tangible common equity to tangible assets ratio of 8.4%. Annualized loan and deposit growth were reported at 3.5% and 1.4%, respectively. The net interest margin was stable at 3.03%, with March's margin improving to 3.08%. On the credit side, the total delinquency rate was 75 basis points, down 8 basis points from the previous quarter, and net charge-offs were 15 basis points. F.N.B.'s proactive credit risk management included stress testing and a thorough assessment of the potential impact of tariffs, which indicated manageable exposure with less than 5% of commercial and industrial (C&I) loans at risk. Looking forward, F.N.B. maintained its full-year guidance, projecting mid-single-digit growth in loans and deposits by the end of 2025, and expects improved financial performance with positive operating leverage in the second half of the year.

F.N.B. Financial Statement Overview

Summary
F.N.B. demonstrates strong financial performance with consistent revenue growth and profitability. The balance sheet is solid with a well-managed debt profile and strong equity position, though there has been an increase in total debt over time. Cash flow generation is robust, yet there is potential for improvement in free cash flow stability.
Income Statement
85
Very Positive
F.N.B. has shown strong revenue growth over recent years, with the TTM (Trailing-Twelve-Months) revenue increasing significantly compared to previous years. Gross Profit Margin and Net Profit Margin are healthy, reflecting effective cost management and profitability. However, EBITDA and EBIT margins have seen slight fluctuations, indicating potential areas for operational efficiency improvements.
Balance Sheet
78
Positive
The company's balance sheet is stable, with a healthy equity ratio and manageable debt-to-equity ratio. Although total debt has increased, the company maintains a solid equity base. The Return on Equity (ROE) is strong, suggesting efficient use of shareholders' equity to generate profits.
Cash Flow
70
Positive
F.N.B.'s cash flow position indicates robust operational cash flow generation. Despite a decline in free cash flow compared to the prior period, the operating cash flow to net income ratio remains strong, demonstrating effective cash conversion. There is room for improvement in free cash flow growth, which has shown some volatility.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue2.57B2.23B1.61B1.33B1.44B
Gross Profit1.52B1.50B1.38B1.24B1.11B
EBITDA622.00M662.00M626.00M513.00M340.00M
Net Income465.00M485.00M439.00M405.00M286.00M
Balance Sheet
Total Assets48.63B46.16B43.73B39.51B37.35B
Cash, Cash Equivalents and Short-Term Investments5.39B4.83B4.95B6.92B4.85B
Total Debt4.27B4.48B2.46B2.22B2.90B
Total Liabilities42.32B40.11B38.07B34.36B32.40B
Stockholders Equity6.30B6.05B5.65B5.15B4.96B
Cash Flow
Free Cash Flow503.00M335.00M1.12B472.00M72.00M
Operating Cash Flow642.00M423.00M1.22B530.00M113.00M
Investing Cash Flow-1.70B-2.26B-3.06B-153.00M-1.82B
Financing Cash Flow1.90B1.74B18.00M1.73B2.49B

F.N.B. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price15.36
Price Trends
50DMA
14.29
Positive
100DMA
13.75
Positive
200DMA
14.37
Positive
Market Momentum
MACD
0.50
Negative
RSI
59.05
Neutral
STOCH
67.53
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNB, the sentiment is Positive. The current price of 15.36 is above the 20-day moving average (MA) of 14.88, above the 50-day MA of 14.29, and above the 200-day MA of 14.37, indicating a bullish trend. The MACD of 0.50 indicates Negative momentum. The RSI at 59.05 is Neutral, neither overbought nor oversold. The STOCH value of 67.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNB.

F.N.B. Risk Analysis

F.N.B. disclosed 39 risk factors in its most recent earnings report. F.N.B. reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

F.N.B. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
HWHWC
79
Outperform
$5.16B11.1211.53%2.99%3.35%26.35%
FNFNB
78
Outperform
$5.74B12.597.40%3.01%10.34%2.54%
OZOZK
76
Outperform
$5.96B8.6112.85%3.35%13.85%2.43%
73
Outperform
$5.24B10.539.73%5.78%-0.17%1.69%
73
Outperform
$5.30B24.996.63%2.83%8.10%6.95%
VLVLY
71
Outperform
$5.33B13.855.48%4.58%1.48%-18.84%
61
Neutral
C$14.72B6.4322.27%5.49%30.07%-22.51%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FNB
F.N.B.
15.36
0.59
3.99%
OZK
Bank OZK
50.71
5.61
12.44%
COLB
Columbia Banking System
23.83
1.41
6.29%
GBCI
Glacier Bancorp
44.35
1.51
3.52%
HWC
Hancock Whitney
58.22
5.35
10.12%
VLY
Valley National Bancorp
9.22
1.55
20.21%

F.N.B. Corporate Events

Executive/Board ChangesShareholder Meetings
F.N.B. Shareholders Elect Directors at Annual Meeting
Positive
May 12, 2025

At the F.N.B. Corporation Annual Meeting on May 7, 2025, shareholders elected eleven director nominees to serve until the 2026 Annual Meeting. Additionally, shareholders approved the advisory resolution on executive compensation for 2024 and ratified the appointment of Ernst & Young LLP as the independent registered public accounting firm for 2025. These decisions reflect shareholder support for the company’s leadership and financial oversight, potentially strengthening F.N.B.’s governance and operational strategies.

The most recent analyst rating on (FNB) stock is a Buy with a $17.00 price target. To see the full list of analyst forecasts on F.N.B. stock, see the FNB Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 03, 2025