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.
Is F.N.B. Corporation stock overvalued or undervalued in 2026?
F.N.B. Corporation (FNB) trades at 10.6× earnings (P/E), against a median of 13.0× across the 324 financial services companies above $2bn in Kaplio's universe. At a P/B justified by its ROTCE 13.3 % (1.3×) $25 (+38 %); at its peers' median (1.3×) $25 (+37 %).
Kaplio overview: F.N.B. Corporation
Market cap $6B · 52 weeks $15 – $19 (7 % below the high) · P/E 10.6× · 2027 expected P/E 9.5× · Dividend 2.8 % · Next earnings January 19, 2027 · expected EPS $0.47 · Closing price, Oct 30 · accounts published Oct 19.
- Valuation: P/B 0.9× (justified).
- Business: ROTCE 13.3 % (solid).
- Balance sheet: Capital/assets 13.5 % (solid).
- Earnings: 6 of 8 (on track).
What would it be worth at its usual multiples?
At a P/B justified by its ROTCE 13.3 % (1.3×) $25 (+38 %); at its peers' median (1.3×) $25 (+37 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in banking: 5 of 5 pass
- ROA 1.2 %, passes.
- ROTCE 13.3 %, passes.
- Equity / Assets (Tier 1 proxy) 13.5 %, passes.
- P/B (Price / Book) 0.9×, passes.
- Sustainable dividend yield 2.8 %, passes.
Against its peers (reference peers) — F.N.B. Corporation: P/E 10.6×; P/B 0.9×; ROE 8.9 %; $6.4B. Glacier Bancorp, Inc. (P/E 18.2×; P/B 1.5×; ROE 8.1 %; $6.3B), United Bankshares, Inc. (P/E 13.1×; P/B 1.2×; ROE 9.4 %; $6.6B), Home Bancshares, Inc. (P/E 12.2×; P/B 1.3×; ROE 10.9 %; $6.0B).
Expensive or cheap against its last ten fiscal years?
P/B at each close: today 0.9× · median 0.8× · minimum 0.4× · maximum 1.4× · cheap below 0.8× · expensive above 1.0×. It has been cheaper than today 79% of the time over its last ten fiscal years.
Dividend
tight (only raised recently) · Yield 2.8 % ($0.48 per share in 2025) · 5-year growth -1 % a year · Free cash flow coverage payout 31 % · With $1,000 invested today you'd collect $27.70 a year ($2.31 a month).
Profitability
| Return on Equity | 8.93% |
| Return on Invested Capital | 1.22% |
| Return on Assets | 1.17% |
| Gross Margin | 65.15% |
| Operating Margin | 27.75% |
| Net Margin | 22.46% |
Financial Health
| Debt / Equity | 0.71 |
| Current Ratio | 0.14 |
| Piotroski F-Score | 8 |
| Altman Z-Score | 0.25 |
Price Performance
| 1 month | +3.50% |
| 3 months | -5.89% |
| Year-to-date | +5.61% |
| 1 year | +14.89% |
| 3 years | +61.25% |
| 5 years | +49.38% |
| 10 years | +40.00% |
Dividend History
Paid in the last 12 months: $0.5000 per share in 4 payments.
| Date | Amount |
|---|---|
| 2026-12-01 | $0.1300 |
| 2026-09-01 | $0.1300 |
| 2026-06-01 | $0.1300 |
| 2026-03-02 | $0.1200 |
| 2025-12-01 | $0.1200 |
| 2025-09-02 | $0.1200 |
| 2025-06-02 | $0.1200 |
| 2025-03-03 | $0.1200 |
| 2024-12-02 | $0.1200 |
| 2024-09-05 | $0.1200 |
Amounts adjusted for stock splits.
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Explore sector: Financial Services · Banks - Regional
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