F.N.B. (FNB) AI Stock Analysis

• Market Cap: $5.74B
• Dividend Yield: 3.01%
• Average Volume (3M): 3.19M
• Price to Earnings (P/E): 12.6
• Beta (1Y): 1.21
• Revenue Growth: 10.34%
• EPS Growth: 2.54%
• Country: US
• Employees: 4,104
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 359,806,400
• 10 Day Avg. Volume: 3,363,352
• 30 Day Avg. Volume: 3,193,687
• PEG Ratio: N/A
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 16.90
• Enterprise Value/Market Cap: 1.32
• Enterprise Value/Revenue: 0.75
• Enterprise Value/Gross Profit: 5.00
• Enterprise Value/Ebitda: 3.12
• 1Y Price Target: $18.40
• Price Target Upside: 19.79% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 78 Outperform
• Price Target: $17.50 ▲(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. Business Overview & Revenue Model

Company Description

F.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 Money

FNB 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. 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

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

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

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.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.57B	2.23B	1.61B	1.33B	1.44B
Gross Profit	1.52B	1.50B	1.38B	1.24B	1.11B
EBITDA	622.00M	662.00M	626.00M	513.00M	340.00M
Net Income	465.00M	485.00M	439.00M	405.00M	286.00M
Balance Sheet
Total Assets	48.63B	46.16B	43.73B	39.51B	37.35B
Cash, Cash Equivalents and Short-Term Investments	5.39B	4.83B	4.95B	6.92B	4.85B
Total Debt	4.27B	4.48B	2.46B	2.22B	2.90B
Total Liabilities	42.32B	40.11B	38.07B	34.36B	32.40B
Stockholders Equity	6.30B	6.05B	5.65B	5.15B	4.96B
Cash Flow
Free Cash Flow	503.00M	335.00M	1.12B	472.00M	72.00M
Operating Cash Flow	642.00M	423.00M	1.22B	530.00M	113.00M
Investing Cash Flow	-1.70B	-2.26B	-3.06B	-153.00M	-1.82B
Financing Cash Flow	1.90B	1.74B	18.00M	1.73B	2.49B

F.N.B. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.36
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HWC	79 Outperform	$5.16B	11.12	11.53%	2.99%	3.35%	26.35%
FNB	78 Outperform	$5.74B	12.59	7.40%	3.01%	10.34%	2.54%
OZK	76 Outperform	$5.96B	8.61	12.85%	3.35%	13.85%	2.43%
COLB	73 Outperform	$5.24B	10.53	9.73%	5.78%	-0.17%	1.69%
GBCI	73 Outperform	$5.30B	24.99	6.63%	2.83%	8.10%	6.95%
VLY	71 Outperform	$5.33B	13.85	5.48%	4.58%	1.48%	-18.84%
Sector *	61 Neutral	C$14.72B	6.43	22.27%	5.49%	30.07%	-22.51%

F.N.B. Corporate Events

F.N.B. Shareholders Elect Directors at Annual Meeting

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.