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FNB: Digital Expansion And Buybacks Will Support A Steady Outlook

Digital Channels And Regional Expansion Will Drive Future Opportunity

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FNB
AnalystConsensusTarget
Not Invested
Published 20 Oct 2024

Update shared on 18 Dec 2025

Fair value Increased 3.37%
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Analysts have modestly raised their price target on F.N.B., lifting fair value by approximately $0.63 per share to $19.19 as they factor in a slightly lower discount rate and marginally richer future valuation multiples, despite somewhat softer expectations for revenue growth and profit margins.

What's in the News

  • Launched Payment Switch within the FNB Direct Mobile Banking App, allowing customers to automatically move recurring ACH and debit card payments to F.N.B. and strengthening its position as clients' primary bank (company announcement)
  • Expanded digital capabilities with instant payments, enabling consumer and commercial clients to receive funds in under 15 seconds at any time, with outbound instant payments for businesses to follow (company announcement)
  • Advanced its Clicks to Bricks strategy by integrating Payment Switch and Direct Deposit Switch into its eStore platform, simplifying account opening and onboarding for more than 40 account types (company announcement)
  • Reported third quarter 2025 net loan charge-offs of $19.7 million, an improvement from $21.5 million a year earlier (company filing)
  • Completed a multiyear share repurchase program, buying back 16,599,839 shares, or 4.94% of shares outstanding, for $196.08 million, including $12 million in buybacks during the third quarter of 2025 (company filing)

Valuation Changes

  • Fair Value: risen slightly from $18.56 to $19.19 per share, reflecting a modest upward reassessment of intrinsic value.
  • Discount Rate: fallen slightly from 7.45% to about 7.37%, indicating a marginally lower perceived risk or cost of capital.
  • Revenue Growth: fallen slightly from roughly 12.97% to 12.22%, suggesting somewhat more cautious expectations for top line expansion.
  • Net Profit Margin: fallen slightly from about 34.79% to 34.09%, pointing to modestly softer profitability assumptions.
  • Future P/E: risen slightly from 10.60x to about 10.96x, implying a marginally richer valuation multiple on anticipated earnings.

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Disclaimer

AnalystConsensusTarget is a tool utilizing a Large Language Model (LLM) that ingests data on consensus price targets, forecasted revenue and earnings figures, as well as the transcripts of earnings calls to produce qualitative analysis. The narratives produced by AnalystConsensusTarget are general in nature and are based solely on analyst data and publicly-available material published by the respective companies. These scenarios are not indicative of the company's future performance and are exploratory in nature. Simply Wall St has no position in the company(s) mentioned. Simply Wall St may provide the securities issuer or related entities with website advertising services for a fee, on an arm's length basis. These relationships have no impact on the way we conduct our business, the content we host, or how our content is served to users. The price targets and estimates used are consensus data, and do not constitute a recommendation to buy or sell any stock, and they do not take account of your objectives, or your financial situation. Note that AnalystConsensusTarget's analysis may not factor in the latest price-sensitive company announcements or qualitative material.