F.N.B. Corporation

F.N.B. Corporation

FNBยทNYSE

$17.07

-0.18%
Financial ServicesBanks - Regional

F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, Wealth Management, and Insurance. It offers commercial banking solutions, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. The company also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services; and wealth management services comprising personal and corporate fiduciary services comprising administration of decedent and trust estates; securities brokerage and investment advisory services, mutual funds, and annuities; and commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. As of December 31, 2021, it operated 334 banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$6.08B
EPS1.5700
P/E Ratio10.87
Earnings Date07/16/2026
F.N.B. Corporation

F.N.B. Corporation Fair Value Envelope

FNB ยท NYSE

Our analysis suggests that FNB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $17.07, this represents a potential HIDDEN relative to our calculated worth for F.N.B. Corporation.

Intrinsic Value
Current Price: $17.07

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

%
%

DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1.2B
+ Cash & Equivalents$2.5B
Firm Value$3.7B
- Debt$3.9B
Equity Value-$212.5M
/ Shares Outstanding358,150,028B
DCF Value-$1
OVERVALUED BY 103%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$360.3M
$269.3M
$201.3M
$150.5M
$112.5M
$84.1M
$62.9M
$47.0M
$35.1M
$26.3M
Maintenance CapEx
-$15.8M
-$11.8M
-$8.9M
-$6.6M
-$4.9M
-$3.7M
-$2.8M
-$2.1M
-$1.5M
-$1.2M
Owner Earnings
$344.5M
$257.5M
$192.5M
$143.9M
$107.6M
$80.4M
$60.1M
$44.9M
$33.6M
$25.1M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$318.9M
$220.8M
$152.8M
$105.8M
$73.2M
$50.7M
$35.1M
$24.3M
$16.8M
$11.6M
Terminal Value represents 16.4% of Enterprise Value