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F.N.B NYSE:FNB Stock Report

Last Price

US$14.50

Market Cap

US$5.2b

7D

-8.9%

1Y

6.0%

Updated

22 Dec, 2024

Data

Company Financials +

F.N.B. Corporation

NYSE:FNB Stock Report

Market Cap: US$5.2b

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

FNB fundamental analysis
Snowflake Score
Valuation4/6
Future Growth2/6
Past Performance2/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 37.1% below our estimate of its fair value

Earnings are forecast to grow 16.52% per year

Pays a reliable dividend of 3.31%

Analysts in good agreement that stock price will rise by 30.2%

Risk Analysis

Significant insider selling over the past 3 months


My Notes

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WA
Analyst Price Target
Consensus Narrative from 8 Analysts

Digital Investments And Diverse Revenue Streams Will Strengthen Future Opportunities In Key Markets

Key Takeaways F.N.B.'s geographical presence in key markets and strategic asset sales enhance future revenue growth and lending opportunities. Investment in digital capabilities and diverse revenue streams supports deposit growth and noninterest income expansion.
View narrative
US$18.88
FV
23.2% undervalued intrinsic discount
9.67%
Revenue growth p.a.
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3 days ago author updated this narrative

F.N.B. Corporation Competitors

Valley National Bancorp

NasdaqGS:VLY

US$5.1b

Bank OZK

NasdaqGS:OZK

US$5.0b

UMB Financial

NasdaqGS:UMBF

US$5.6b

Home Bancshares (Conway AR)

NYSE:HOMB

US$5.6b

Price History & Performance

Summary of share price highs, lows and changes for F.N.B
Historical stock prices
Current Share PriceUS$14.50
52 Week HighUS$17.70
52 Week LowUS$12.49
Beta1.01
1 Month Change-15.45%
3 Month Change2.18%
1 Year Change5.99%
3 Year Change21.04%
5 Year Change15.08%
Change since IPO100.31%

Recent News & Updates

F.N.B. Corporation: A Downgrade After A Great Run Higher

Dec 16

Recent updates

F.N.B. Corporation: A Downgrade After A Great Run Higher

Dec 16

F.N.B's (NYSE:FNB) Dividend Will Be $0.12

Aug 08
F.N.B's (NYSE:FNB) Dividend Will Be $0.12

F.N.B. Corporation Appears Fairly Valued With A Lacklustre Earnings Outlook

Jul 05

F.N.B (NYSE:FNB) Has Announced A Dividend Of $0.12

May 23
F.N.B (NYSE:FNB) Has Announced A Dividend Of $0.12

Shareholders May Be More Conservative With F.N.B. Corporation's (NYSE:FNB) CEO Compensation For Now

May 02
Shareholders May Be More Conservative With F.N.B. Corporation's (NYSE:FNB) CEO Compensation For Now

F.N.B. Corporation (NYSE:FNB) Just Released Its First-Quarter Earnings: Here's What Analysts Think

Apr 20
F.N.B. Corporation (NYSE:FNB) Just Released Its First-Quarter Earnings: Here's What Analysts Think

F.N.B (NYSE:FNB) Ticks All The Boxes When It Comes To Earnings Growth

Apr 17
F.N.B (NYSE:FNB) Ticks All The Boxes When It Comes To Earnings Growth

If EPS Growth Is Important To You, F.N.B (NYSE:FNB) Presents An Opportunity

Jan 02
If EPS Growth Is Important To You, F.N.B (NYSE:FNB) Presents An Opportunity

F.N.B. Corporation: Well Positioned After Adept Interest Rate Management

Dec 01

Strong Dividend Doesn't Yield Buy Rating For First National Bank

Sep 20

F.N.B. Corporation: Solid Asset Base Brings A Buy Case

Aug 24

F.N.B. Corporation: A Solid Bank In The Current Environment

Jun 01

F.N.B. Non-GAAP EPS of $0.44 beats by $0.03, revenue of $415.5M beats by $16.74M

Jan 23

F.N.B. declares $0.12 dividend

Jan 17

F.N.B. Delivering Where It Counts

Oct 24

F.N.B. declares $0.12 dividend

Oct 17

FNB prices $350M notes offering

Aug 18

F.N.B. Corporation Is Set To Grow By Both M&A And Organic Means

Jul 28

F.N.B. GAAP EPS of $0.30 in-line, revenue of $335.84M in-line

Jul 20

F.N.B. declares $0.12 dividend

Jul 14

Shareholder Returns

FNBUS BanksUS Market
7D-8.9%-3.4%-2.4%
1Y6.0%29.1%23.4%

Return vs Industry: FNB underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: FNB underperformed the US Market which returned 23.3% over the past year.

Price Volatility

Is FNB's price volatile compared to industry and market?
FNB volatility
FNB Average Weekly Movement5.7%
Banks Industry Average Movement5.2%
Market Average Movement6.3%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.1%

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 (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
18644,118Vince Deliewww.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

How do F.N.B's earnings and revenue compare to its market cap?
FNB fundamental statistics
Market capUS$5.21b
Earnings (TTM)US$397.98m
Revenue (TTM)US$1.49b

13.1x

P/E Ratio

0.8x

P/B Ratio

Is FNB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FNB income statement (TTM)
RevenueUS$1.49b
Cost of RevenueUS$0
Gross ProfitUS$1.49b
Other ExpensesUS$1.09b
EarningsUS$397.98m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)1.11
Gross Margin100.00%
Net Profit Margin26.66%
Debt/Equity Ratio69.5%

How did FNB perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

44%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 02:04
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

F.N.B. Corporation is covered by 29 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Leanne CaravaggioBMO Capital Markets Equity Research
Lana ChanBMO Capital Markets Equity Research
Peter WinterBMO Capital Markets Equity Research