F.N.B. Corporation (FNB) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
F.N.B. Corporation functions as a financial holding entity, delivering a broad spectrum of financial solutions. Its primary clientele includes individual consumers, corporate enterprises, governmental bodies, and small to mid-sized businesses. The organization's operations are divided into three main segments: Community Banking, Wealth Management, and Insurance. Through its commercial banking division, F.N.B.
Analysis Summary
F.N.B. Corporation reported revenue of $2.69B in the most recent fiscal year, growing at a 5-year CAGR of 13.3%. Net income reached $565.4M, with a 14.6% 5-year CAGR.
Trailing-twelve-month margins: gross margin 64.4%, operating margin 26.5%, net margin 22.3%. Free cash flow grew at 39.2% CAGR over 5 years.
Balance sheet quality for FNB: current ratio of 1.0, net cash position of $2.31B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is below average: free cash flow of $376.0M represents 67% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $17.89 |
| Market Cap | $6.4B |
| Exchange | NYSE |
| Country | US |
Valuation Ratios
| P/E Ratio | 10.56 |
| Price / Book | 0.92 |
| Dividend Yield | 2.80% |
Profitability
| Gross Margin | 64.41% |
| Operating Margin | 26.49% |
| Net Margin | 22.31% |
Financial Health
| Debt / Equity | 0.73 |
| Current Ratio | 0.16 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| FNB | F.N.B. Corporation | $6.4B | 10.56 | 0.92 | |
| COLB | Columbia Banking System, Inc. | $8.4B | 11.91 | 1.13 | 9.2% |
| UBSI | United Bankshares, Inc. | $6.5B | 13.07 | 1.21 | |
| HWC | Hancock Whitney Corporation | $6.1B | 14.66 | 1.38 | 9.6% |
| OZK | Bank OZK | $5.2B | 7.92 | 0.84 | 11.7% |
| PB | Prosperity Bancshares, Inc. | $8.5B | 12.13 | 0.85 | 7.1% |
| GBCI | Glacier Bancorp, Inc. | $5.8B | 18.12 | 1.35 | 7.6% |
| ABCB | Ameris Bancorp | $5.6B | 15.14 | 1.37 | 9.3% |
Price Performance
| 1 month | -6.92% |
| 3 months | -1.87% |
| Year-to-date | +4.62% |
| 1 year | +10.09% |
| 3 years | +61.17% |
| 5 years | +63.23% |
52-Week Range
| 52-week High | $19.59 |
| 52-week Low | $14.46 |
| Avg Volume (90d) | 4.7M |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-09-01 | $0.1300 | 2.91% |
| 2026-06-01 | $0.1300 | 2.91% |
| 2026-03-02 | $0.1200 | 2.68% |
| 2025-12-01 | $0.1200 | 2.68% |
| 2025-09-02 | $0.1200 | 2.68% |
| 2025-06-02 | $0.1200 | 2.68% |
| 2025-03-03 | $0.1200 | 2.68% |
| 2024-12-02 | $0.1200 | 2.68% |
| 2024-09-05 | $0.1200 | 2.68% |
| 2024-06-06 | $0.1200 | 2.68% |
Related companies: ABCB · COLB · GBCI · HOMB · HWC · OZK · PB
Explore sector: Financial Services · Banks - Regional
More sections of FNB: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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