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Financial Services - Banks - Regional - NYSE - US
$ 11.63
1.31 %
$ 4.18 B
Market Cap
9.16
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FNB stock under the worst case scenario is HIDDEN Compared to the current market price of 11.6 USD, F.N.B. Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FNB stock under the base case scenario is HIDDEN Compared to the current market price of 11.6 USD, F.N.B. Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FNB stock under the best case scenario is HIDDEN Compared to the current market price of 11.6 USD, F.N.B. Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FNB

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$18.0$18.0$17.0$17.0$16.0$16.0$15.0$15.0$14.0$14.0$13.0$13.0$12.0$12.0$11.0$11.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
2.25 B REVENUE
0.94%
2.23 B OPERATING INCOME
0.00%
465 M NET INCOME
-4.12%
642 M OPERATING CASH FLOW
51.77%
-1.7 B INVESTING CASH FLOW
24.68%
1.9 B FINANCING CASH FLOW
9.43%
373 M REVENUE
-9.47%
0 OPERATING INCOME
0.00%
110 M NET INCOME
0.00%
326 M OPERATING CASH FLOW
2428.57%
-470 M INVESTING CASH FLOW
-1516.13%
485 M FINANCING CASH FLOW
167.96%
Balance Sheet F.N.B. Corporation
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Current Assets 3.88 B
Cash & Short-Term Investments 3.88 B
Receivables 742 M
Other Current Assets -742 M
Non-Current Assets 3.06 B
Long-Term Investments 0
PP&E 536 M
Other Non-Current Assets 2.53 B
55.88 %10.68 %7.72 %36.40 %Total Assets$6.9b
Current Liabilities 1.26 B
Accounts Payable 0
Short-Term Debt 1.26 B
Other Current Liabilities 0
Non-Current Liabilities 41.1 B
Long-Term Debt 0
Other Non-Current Liabilities 41.1 B
2.97 %97.03 %Total Liabilities$42.3b
EFFICIENCY
Earnings Waterfall F.N.B. Corporation
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Revenue 2.25 B
Cost Of Revenue -150 K
Gross Profit 2.25 B
Operating Expenses 20.9 M
Operating Income 2.23 B
Other Expenses 1.77 B
Net Income 465 M
3b3b2b2b2b2b1b1b500m500m002b150k2b(21m)2b(2b)465mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.01% GROSS MARGIN
100.01%
99.08% OPERATING MARGIN
99.08%
20.66% NET MARGIN
20.66%
7.38% ROE
7.38%
0.96% ROA
0.96%
26.91% ROIC
26.91%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis F.N.B. Corporation
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1b1b1b1b800m800m600m600m400m400m200m200m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 465 M
Depreciation & Amortization 67 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others 65 M
Free Cash Flow 642 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets F.N.B. Corporation
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Wall Street analysts predict an average 1-year price target for FNB of $17.5 , with forecasts ranging from a low of $17 to a high of $18 .
FNB Lowest Price Target Wall Street Target
17 USD 46.17%
FNB Average Price Target Wall Street Target
17.5 USD 50.47%
FNB Highest Price Target Wall Street Target
18 USD 54.77%
Price
Max Price Target
Min Price Target
Average Price Target
18181717161615151414131312121111May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.82% DIVIDEND YIELD
0.12 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.500.500.450.450.400.400.350.350.300.300.250.250.200.200.150.150.100.100.050.050.000.000.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.120.480.120.480.120.480.120.480.120.480.120.480.120.480.120.480.120.480.120.480.122015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 14
6. Ownership
Insider Ownership F.N.B. Corporation
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Sold
0-3 MONTHS
233 K USD 1
3-6 MONTHS
2.06 M USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
46.7 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
33.7 K USD 1
9-12 MONTHS
7. News
F.N.B. Corporation Schedules First Quarter 2025 Earnings Report and Conference Call PITTSBURGH , March 27, 2025 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) announced today that it plans to issue financial results for the first quarter of 2025 after the market close on Wednesday, April 16, 2025. prnewswire.com - 2 weeks ago
FNB Achieves Fifth Consecutive Top Workplace USA Honor National Award Based on Employee Feedback Highlights Company's Strong Leadership and People-Centric Culture PITTSBURGH , March 20, 2025 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) announced that its largest subsidiary, First National Bank, has been named a Top Workplace USA for a fifth consecutive year. prnewswire.com - 3 weeks ago
F.N.B. Corp.: Upgrading To Buy, But Risks Are High Due To Tariffs 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%. seekingalpha.com - 1 month ago
F.N.B Corporation Recognized as a Best Bank in Commercial Banking Client Experience Company Surpasses 115 Coalition Greenwich Awards PITTSBURGH , Feb. 27, 2025 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) announced that it again has been named a Best Bank Awards winner by Crisil Coalition Greenwich, highlighting its strength in providing exceptional service to small and middle market business clients. prnewswire.com - 1 month ago
F.N.B. Corporation announces $1 million gift to UPMC Children's Hospital Foundation to create the FNB Hub for Family Support, expanding behavioral health care PITTSBURGH , Feb. 19, 2025 /PRNewswire/ -- F.N.B. Corporation (FNB) has made a generous $1 million gift to UPMC Children's Hospital Foundation's This Moment campaign, establishing the FNB Hub for Family Support to expand behavioral health access for families served by UPMC Children's Hospital of Pittsburgh. prnewswire.com - 1 month ago
F.N.B. Corporation Celebrates Grand Opening of Its $300 Million Headquarters Building Commemorates Event with $1 Million Gift to UPMC Children's Foundation to Support Behavioral Health with FNB Hub for Family Support PITTSBURGH , Feb. 19, 2025 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB), the holding company for First National Bank, welcomed civic and community leaders to its new headquarters, FNB Financial Center, to celebrate the building's grand opening on February 18, 2025. prnewswire.com - 1 month ago
F.N.B. Corporation Declares Cash Dividend of $0.12 on Common Stock PITTSBURGH , Jan. 30, 2025 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) announced its Board of Directors declared a quarterly cash dividend of $0.12 per share on its common stock. prnewswire.com - 2 months ago
F.N.B. Corp Q4 Earnings Beat on Higher NII & Fee Income, Stock Dips FNB's fourth-quarter results top estimates on the back of higher NII & non-interest income. Yet, higher adjusted expenses and provisions remain spoilsports. zacks.com - 2 months ago
F.N.B. Corporation (FNB) Q4 2024 Earnings Call Transcript F.N.B. Corporation (NYSE:FNB ) Q4 2024 Earnings Conference Call January 22, 2025 8:30 AM ET Company Participants Lisa Hajdu - Manager, Investor Relations Vince Delie - Chairman, President and Chief Executive Officer Gary Guerrieri - Chief Credit Officer Vince Calabrese - Chief Financial Officer Conference Call Participants Daniel Tamayo - Raymond James Russell Gunther – Stephens Kelly Motta – KBW Manuel Navas - D.A. Davidson Frank Schiraldi - Piper Sandler Brian Martin - Janney Montgomery Operator Good morning, everyone and welcome to the F.N.B. seekingalpha.com - 2 months ago
F.N.B. (FNB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for F.N.B. (FNB) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
F.N.B. (FNB) Q4 Earnings Top Estimates F.N.B. (FNB) came out with quarterly earnings of $0.38 per share, beating the Zacks Consensus Estimate of $0.33 per share. This compares to earnings of $0.38 per share a year ago. zacks.com - 2 months ago
F.N.B. Corporation Reports Fourth Quarter and Full Year 2024 Earnings Strong Tangible Book Value per Share (non-GAAP) Growth of 11% and Record Tangible Common Equity Ratio (non-GAAP) of 8.2% PITTSBURGH , Jan. 22, 2025 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) reported earnings for the fourth quarter of 2024 with net income available to common stockholders of $109.9 million, or $0.30 per diluted common share. prnewswire.com - 2 months ago
8. Profile Summary

F.N.B. Corporation FNB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 4.18 B
Dividend Yield 0.82%
Description 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.
Contact One North Shore Center, Pittsburgh, PA, 15212 https://www.fnb-online.com
IPO Date Sept. 2, 1986
Employees 4104
Officers Mr. David Bryant Mitchell II Chief Wholesale Banking Officer Mr. Brad Jones EVice President of Commercial Banking of Carolinas & Charlotte Regional President Mr. David Panneton Managing Director of Private Banking Mr. Barry C. Robinson Chief Consumer Banking Officer Mr. Vincent J. Delie Jr. Chairman, President & Chief Executive Officer Mr. Vincent J. Calabrese Jr. Chief Financial Officer Mr. Gary Lee Guerrieri Chief Credit Officer Mr. James L. Dutey Principal Accounting Officer, Corporate Controller & Senior Vice President Mr. James G. Orie Esq. Chief Legal Officer & Corporate Secretary Ms. Jennifer M. Reel Chief Communications Officer