FNB$17.43
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Powered by LiveAIOverall Analysis
BuyF.N.B. Corporation presents a mixed investment profile. Fundamentally, it shows solid profitability and consistent dividend payouts, but faces some valuation concerns. Technically, the stock is showing bearish signals across shorter timeframes, suggesting potential short-term weakness. Thematic exposure is neutral.
Thematic
As a regional bank, F.N.B. Corporation's thematic alignment is largely tied to the broader economic and interest rate environment, with less direct exposure to high-growth technological or sustainability themes.
Fundamental
F.N.B. Corporation demonstrates robust profitability metrics, consistent dividend payments, and manageable debt levels. However, recent valuation ratios, particularly P/E on a quarterly basis, appear elevated, suggesting a higher price relative to recent earnings.
Technical
Short to medium-term technical indicators suggest a bearish outlook. The stock is trading below key moving averages on intraday and daily charts, and momentum indicators are generally pointing downwards, indicating potential for further price declines.
| Factor | Score |
|---|---|
| Interest Rate Sensitivity | 70 |
| Regional Economic Growth | 60 |
| Digital Banking Adoption | 40 |
| ESG & Sustainability | 30 |
| Regulatory Environment | 50 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Valuation | 70 |
| Valuation | 20 |
| Profitability | 85 |
| Growth | 70 |
| Balance Sheet Health | 65 |
| Cash Flow | 80 |
| Dividends | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 50 |
| Momentum | 50 |
| Short-term Trend Analysis | 20 |
| Support & Resistance | 40 |
| Volume | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Positive EPS Surprises
The company has exceeded EPS estimates in the last two reported quarters (2025 Q2 and 2025 Q1), indicating strong earnings execution and the potential for continued positive surprises.
Reasonable P/E Ratio
The trailing P/E ratio of 12.09 is below its 52-week high and generally considered reasonable for a financial institution, suggesting the stock may not be excessively overvalued.
Bearish Points (7)
Elevated Quarterly P/E and P/S
The quarterly P/E ratios (e.g., 40.9 for 2025 Q1) and P/S ratios (e.g., 11.7 for 2025 Q1) appear significantly elevated compared to annual figures, suggesting potential overvaluation based on short-term metrics.
Missed EPS Estimate in One Quarter
The company missed the EPS estimate in Q4 2024 (-2.27% surprise), indicating potential for unpredictable earnings performance.
Calendar
June 2025
2
Ex-Dividend Date
June 2025
15
Next Dividend Date
October 2025
16
Next Earnings Date
H: $0.39
A: $0.38
L: $0.36
H: 452.95M
A: 448.10M
L: 443.00M
Profile
F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. It provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. The company was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.
Seasonals
Price Target
18.56 USD
The 39 analysts offering 1 year price forecasts for FNB have a max estimate of 20.00 and a min estimate of 18.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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