F.N.B (FNB) Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
No risks detected for FNB from our risk checks.
FNB Community Fair Values
Create NarrativeSee what 9 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
F.N.B. Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$17.54 |
| 52 Week High | US$19.14 |
| 52 Week Low | US$13.44 |
| Beta | 0.89 |
| 1 Month Change | -1.63% |
| 3 Month Change | -3.31% |
| 1 Year Change | 26.92% |
| 3 Year Change | 56.33% |
| 5 Year Change | 32.38% |
| Change since IPO | 142.30% |
Recent News & Updates
Seeking Alpha • May 12
Continued Improvements Make F.N.B. Corporation Compelling
Summary F.N.B. Corporation remains a soft "Buy" as balance sheet and income statement expansion continue alongside solid asset and credit quality. Deposits and loans have grown steadily, with commercial real estate, residential mortgages, and commercial/industrial loans as key exposures. FNB trades at a discount to book value and remains cheaper than most peers, despite a price-to-earnings multiple of 11.6. Net interest margin and non-interest income have improved, but a declining rate environment poses moderate risks to net interest income and equity value. Read the full article on Seeking Alpha
Narrative Update • May 08
FNB: Share Repurchases And Dividend Increases Will Support Future Upside Potential
F.N.B.'s analyst price target has moved modestly higher to $20.63 from $20.38. Analysts point to updated assumptions on revenue growth, discount rate, profit margin, and future P/E as key drivers of the change.Narrative Update • Apr 22
FNB: Share Repurchases And Dividend Increases Will Support A More Constructive Outlook
The updated analyst price target for F.N.B. edges higher to $20.38 from $20.06, as analysts factor in refreshed assumptions on revenue growth, profit margins, discount rates and future P/E multiples, as reflected in recent Truist, Keefe Bruyette and Piper Sandler research. Analyst Commentary Recent Street research on F.N.B. clusters around a series of price target updates, with several firms adjusting their models and lifting targets by US$0.50 to US$1.00.Recent updates
Seeking Alpha • May 12
Continued Improvements Make F.N.B. Corporation Compelling
Summary F.N.B. Corporation remains a soft "Buy" as balance sheet and income statement expansion continue alongside solid asset and credit quality. Deposits and loans have grown steadily, with commercial real estate, residential mortgages, and commercial/industrial loans as key exposures. FNB trades at a discount to book value and remains cheaper than most peers, despite a price-to-earnings multiple of 11.6. Net interest margin and non-interest income have improved, but a declining rate environment poses moderate risks to net interest income and equity value. Read the full article on Seeking AlphaNarrative Update • May 08
FNB: Share Repurchases And Dividend Increases Will Support Future Upside Potential
F.N.B.'s analyst price target has moved modestly higher to $20.63 from $20.38. Analysts point to updated assumptions on revenue growth, discount rate, profit margin, and future P/E as key drivers of the change.Narrative Update • Apr 22
FNB: Share Repurchases And Dividend Increases Will Support A More Constructive Outlook
The updated analyst price target for F.N.B. edges higher to $20.38 from $20.06, as analysts factor in refreshed assumptions on revenue growth, profit margins, discount rates and future P/E multiples, as reflected in recent Truist, Keefe Bruyette and Piper Sandler research. Analyst Commentary Recent Street research on F.N.B. clusters around a series of price target updates, with several firms adjusting their models and lifting targets by US$0.50 to US$1.00.Narrative Update • Apr 05
FNB: Higher Earnings Efficiency Assumptions Will Support A More Constructive Outlook
Analysts have raised their average price target on F.N.B. by roughly $1.50 to $19, citing refreshed models that incorporate slightly higher net interest income and lower expense assumptions from recent Street research updates. Analyst Commentary Recent Street research on F.N.B. has centered on refreshed models that feed into the higher average price target, with analysts focusing on adjustments to earnings drivers and the cost base.Narrative Update • Mar 21
FNB: Digital Platform Expansion And Cost Discipline Will Support A More Upbeat Outlook
Narrative Update The Street has nudged F.N.B.'s analyst price target higher by about $1, with analysts pointing to slightly stronger net interest income assumptions and lower expected expenses as key drivers behind the updated models. Analyst Commentary Recent research updates on F.N.B. cluster around modestly higher price targets, with analysts adjusting their models to reflect their latest assumptions on earnings power and cost discipline.Narrative Update • Mar 06
FNB: Digital Banking And Buybacks Will Support A More Optimistic Outlook
Narrative Update on F.N.B. Analysts have nudged their $18.50 to $19 price targets on F.N.B. higher by $0.50 to $1.00, citing updated models that reflect slightly better net interest income and lower expenses, as well as modest adjustments to discount rate, revenue growth, profit margin, and future P/E assumptions. Analyst Commentary Recent research updates around F.N.B. cluster around refreshed models ahead of Q4 results, with price targets moving in a relatively tight range between $18.50 and $19.Narrative Update • Feb 18
FNB: Digital Investments And Buybacks Will Support A Cautiously Positive Outlook
Analysts have nudged their average price targets on F.N.B. higher, with recent increases of $0.50 and $1.00 supported by updated models that factor in slightly higher net interest income and lower expected expenses. Analyst Commentary Recent research updates on F.N.B. cluster around modestly higher price targets and refreshed models ahead of upcoming results.Narrative Update • Feb 04
FNB: Digital Efficiency And Buybacks Will Support A Stable Outlook
Analysts have nudged their fair value estimate for F.N.B. higher, with the price target moving from about $19.19 to roughly $19.93. The change is supported by recent research that points to updated models reflecting slightly higher net interest income, lower expenses, and modestly revised assumptions for discount rates, revenue growth, profit margins, and future P/E multiples.Analysis Article • Jan 31
F.N.B (NYSE:FNB) Is Paying Out A Dividend Of $0.12
F.N.B. Corporation ( NYSE:FNB ) will pay a dividend of $0.12 on the 16th of March. This means the dividend yield will...Narrative Update • Jan 21
FNB: Digital Initiatives And Expense Discipline Will Support A Stable Outlook
Analysts recently raised their price target on F.N.B. to $19 from $18.50, citing updated models that reflect slightly higher net interest income and lower expected expenses ahead of Q4 results. Analyst Commentary Bullish Takeaways Bullish analysts view the higher $19 price target as support for their view that current valuation still leaves room for execution to translate into shareholder value, assuming the updated assumptions prove accurate.Narrative Update • Jan 06
FNB: Digital Initiatives And Buybacks Will Support A Stable Fair Valuation Outlook
Analysts have nudged their price target on F.N.B. slightly higher to reflect updated views on its discount rate, long term profit margin profile, and a modestly adjusted future P/E assumption, while keeping their fair value estimate steady at $19.19. What's in the News F.N.B. introduced Payment Switch in its FNB Direct Mobile Banking App, allowing customers to automatically move recurring ACH and debit card payments to FNB instead of updating each merchant individually (Key Developments).Narrative Update • Dec 18
FNB: Digital Expansion And Buybacks Will Support A Steady Outlook
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.Analysis Article • Aug 29
F.N.B (NYSE:FNB) Is Due To Pay A Dividend Of $0.12
F.N.B. Corporation ( NYSE:FNB ) will pay a dividend of $0.12 on the 15th of September. This means the dividend yield...Analysis Article • Aug 04
F.N.B's (NYSE:FNB) Dividend Will Be $0.12
The board of F.N.B. Corporation ( NYSE:FNB ) has announced that it will pay a dividend of $0.12 per share on the 15th...Seeking Alpha • Mar 11
F.N.B. Corp.: Upgrading To Buy, But Risks Are High Due To Tariffs
Summary I’m reducing my loan growth estimate for 2025 because the uncertainty related to tariffs will likely hurt the demand for commercial loans. Recent repositioning of the security portfolio will lift the margin, while the rolling over of borrowings and any Fed funds rate cuts will hurt the margin. F.N.B. Corp.'s recent stock price rout has made it somewhat undervalued. My target price suggests a price upside of ~11%. FNB stock is also offering a moderate dividend yield of 3.7%. Read the full article on Seeking AlphaSeeking Alpha • Dec 16
F.N.B. Corporation: A Downgrade After A Great Run Higher
Summary F.N.B. Corporation has outperformed the S&P 500 significantly since June 2023, but its current valuation is too high relative to earnings and tangible book value. The bank has shown impressive growth in deposits, loans, and digital services, but declining interest rates and rising costs are impacting profitability. Despite low relative valuation compared to peers, the absolute valuation is higher than preferred, with mixed asset quality and return metrics. Given the current risk-reward balance, I am downgrading F.N.B. Corporation from a Buy to a Hold. Read the full article on Seeking Alpha
New Narrative • Oct 20
Innovative Data-Driven Initiatives Propel Growth And Solidify Banking Strength
Enhanced digital capabilities and successful deposit initiatives are driving revenue growth and expanding market share through improved customer relationships.Seeking Alpha • Jul 05
F.N.B. Corporation Appears Fairly Valued With A Lacklustre Earnings Outlook
Summary The economic environment will likely keep loan growth close to last year’s level for the remainder of this year. The margin will likely face pressure amid a falling interest-rate environment. My December 2024 target price is quite close to the current market price. FNB is offering a satisfactory dividend yield of around 3.5%. Read the full article on Seeking AlphaSeeking Alpha • Dec 01
F.N.B. Corporation: Well Positioned After Adept Interest Rate Management
Summary FNB Corp's shares have outperformed many regional banks, losing only 15% of their value compared to over 30% for some peers. FNB's net interest income increased by 10% from last year, and its net interest margin expanded compared to a year ago, thanks to a smaller securities portfolio and stable deposits. The bank has a diverse loan book and a strong capital position, which could lead to accelerated share repurchases and a higher dividend. Read the full article on Seeking AlphaShareholder Returns
| FNB | US Banks | US Market | |
|---|---|---|---|
| 7D | 1.7% | -2.0% | -1.0% |
| 1Y | 26.9% | 15.1% | 23.3% |
Return vs Industry: FNB exceeded the US Banks industry which returned 15.1% over the past year.
Return vs Market: FNB exceeded the US Market which returned 23.3% over the past year.
Price Volatility
| FNB volatility | |
|---|---|
| FNB Average Weekly Movement | 3.8% |
| Banks Industry Average Movement | 3.5% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: FNB has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: FNB's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1864 | 4,205 | Vince Delie | www.fnb-online.com |
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.
F.N.B. Corporation Fundamentals Summary
| FNB fundamental statistics | |
|---|---|
| Market cap | US$6.10b |
| Earnings (TTM) | US$585.00m |
| Revenue (TTM) | US$1.72b |
10.7x
P/E Ratio0.9x
P/B RatioIs FNB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FNB income statement (TTM) | |
|---|---|
| Revenue | US$1.72b |
| Cost of Revenue | US$0 |
| Gross Profit | US$1.72b |
| Other Expenses | US$1.13b |
| Earnings | US$585.00m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.64 |
| Gross Margin | 100.00% |
| Net Profit Margin | 34.08% |
| Debt/Equity Ratio | 64.0% |
How did FNB perform over the long term?
See historical performance and comparisonDividends
3.0%
Current Dividend Yield30%
Payout RatioDoes FNB pay a reliable dividends?
See FNB dividend history and benchmarks| F.N.B dividend dates | |
|---|---|
| Ex Dividend Date | Jun 01 2026 |
| Dividend Pay Date | Jun 15 2026 |
| Days until Ex dividend | 11 days |
| Days until Dividend pay date | 25 days |
Does FNB pay a reliable dividends?
See FNB dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/20 21:22 |
| End of Day Share Price | 2026/05/20 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
F.N.B. Corporation is covered by 19 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Lana Chan | BMO Capital Markets Equity Research |
| Peter Winter | BMO Capital Markets Equity Research |
| Leanne Caravaggio | BMO Capital Markets Equity Research |