F.N.B. Corporation (FNB) AI Stock Analysis

Established in 1864 and headquartered in Pittsburgh, Pennsylvania, F.N.B. Corporation is a financial holding company operating across 334 banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. It runs three primary business segments: Community Banking, Wealth Management, and Insurance. Community Banking delivers commercial solutions like real estate financing, lease financing, and business credit, as well as consumer deposit, mortgage, and digital banking services. Wealth Management handles fiduciary estate and trust management, brokerage, advisory services, mutual funds, annuities, and insurance products, alongside mezzanine financing for small- and medium-sized businesses.

Over the five-year span from FY2020 through FY2025, F.N.B. generated a revenue CAGR of 13.3%. Annual revenue expanded from $1.33B in FY2021 to $2.69B in FY2025, although revenue growth moderated to 4.9% in FY2025. Annual net income grew from $405.0M in FY2021 to $565.4M in FY2025, lifting diluted EPS from $1.23 to $1.59 over that period. Net margins stood at 21.0% in FY2025 compared to 30.3% in FY2021. For the trailing twelve months, revenue reached $1.74B with an operating margin of 44.7% and a profit margin of 34.6%. In the latest quarter ended June 30, 2026, quarterly revenue grew 6.8% year over year while quarterly earnings rose 16.2%.

As of June 30, 2026, F.N.B. Corporation held $426.0M in cash and short-term investments against $4.97B in total debt, resulting in net debt of $4.54B. Total assets were $51.00B and shareholders' equity was $6.84B, reflecting a debt-to-equity ratio of 0.73 and a current ratio of 0.16. In FY2025, the business generated $482.0M in operating cash flow and $376.0M in free cash flow. Capital allocation in FY2025 included $106.0M in capital expenditures, $174.0M in dividend distributions, and $50.0M deployed toward share buybacks.

F.N.B. Corporation trades at a trailing P/E of 10.3x and a forward P/E of 9.7x, both of which sit below the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-book ratio is 0.9x and its price-to-sales multiple is 3.5x versus the peer median of 3.2x. Over the past year, the stock returned 21.1%, outpacing the S&P 500 (SPY) return of 16.8%. Over a five-year period, however, FNB returned 70.9% compared to 83.0% for the index benchmark.

F.N.B. Corporation pays a quarterly dividend totaling $0.52 per share annualized, yielding 3.02% based on its last close of $17.23. The company maintains a 29.2% payout ratio and has paid dividends for 41 consecutive years. Its five-year annualized dividend growth rate is 0.0%, and its most recent ex-dividend date was September 1, 2026.

Wall Street analysts hold four Strong Buy, three Buy, and two Hold ratings on F.N.B. Corporation, with zero Sell or Strong Sell recommendations. The mean price target of $20.56 represents 19.3% upside from the last closing price of $17.23. Consensus projections forecast FY2026 revenue of $1.88B and EPS of $1.69, rising to $1.99B and $1.88 in FY2027. The company beat EPS estimates in two of the past four quarters, and its next earnings date is October 19, 2026.

This page is an AI-written research summary of F.N.B. Corporation (FNB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FNB income statement, FNB balance sheet, FNB key metrics, FNB analyst forecast, FNB chart. See the FNB stock overview for the latest quote and news.