Evaluating F.N.B (FNB): Is There More Upside as Shares Trade Below Analyst Targets?

F.N.B (FNB) has been quietly making moves that have caught the attention of investors this month. Markets have noticed its recent share price stability, particularly as broader financials continue to navigate macroeconomic uncertainty.

See our latest analysis for F.N.B.

Zooming out, F.N.B’s share price has shown a steady hand. Recent momentum has been modest, but the stock’s 1-year total shareholder return of 21.8% stands out, hinting at resilience and growing investor confidence even as the sector faces headwinds.

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With F.N.B’s shares trading below analyst price targets and fundamentals on the upswing, the big question remains: is the market overlooking potential upside, or is all that future growth already reflected in the current price?

Most Popular Narrative: 13.4% Undervalued

With F.N.B’s last close at $16.08 and the most widely tracked narrative putting fair value at $18.56, the numbers point to discounted potential. Driven by ambitious business shifts, this view is shaping real conviction among analysts about what’s next for the stock.

F.N.B's major investments in digital channels, AI, data science, and omnichannel onboarding (e.g., eStore Common App, integrated in-branch and online originations) are expected to enhance customer acquisition, cross-sell rates, and operational efficiency, supporting higher revenue growth and potentially improved long-term net margins.

Read the complete narrative.

How strong is the financial engine behind this outlook? The narrative’s bullish forecast rests on a blend of sustained deposit growth, expanding fee income, and widening profit margins, all fueled by ambitious digital upgrades. Interested in exploring the driving forces? Unpack the full narrative for a breakdown of what’s propelling this valuation call.

Result: Fair Value of $18.56 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, risks remain, especially if regional economic slowdowns or rising tech costs outpace F.N.B’s growth and erode expected profitability.

Find out about the key risks to this F.N.B narrative.

Build Your Own F.N.B Narrative

If you see things differently or want to dig into the data on your own terms, you can shape your own story in just a few minutes. Do it your way.

A good starting point is our analysis highlighting 3 key rewards investors are optimistic about regarding F.N.B.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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