Valuation dashboard for F.N.B. Corporation (FNB) with P/E 10.85, P/B 0.96, EV/EBITDA 13.1 and dividend yield 2.71%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
What would it be worth at its usual multiples?
At Kaplio's cap P/B for its ROTCE 13.3 % (1.3×) $25 (+35 %); 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.
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 65.2%, operating margin 27.8%, net margin 22.5%.
At $18.44 (closing price, November 2, 2026), FNB trades at a P/E of 10.85 and an ROE of 8.93%. Market capitalisation stands at $6.5B.
Balance sheet quality for FNB: debt-to-equity ratio of 0.71, current ratio of 0.14 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 10.85 |
| Price / Book | 0.96 |
| EV / EBITDA | 13.1 |
| Dividend Yield | 2.71% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| FNB | F.N.B. Corporation | $6.5B | 10.85 | 0.96 | 8.9% |
| VLY | Valley National Bancorp | $8.0B | 11.29 | 1.01 | 9.4% |
| COLB | Columbia Banking System, Inc. | $9.0B | 10.81 | 1.23 | 11.1% |
| UBSI | United Bankshares, Inc. | $6.7B | 13.40 | 1.24 | 9.4% |
| HWC | Hancock Whitney Corporation | $5.9B | 14.75 | 1.40 | 9.3% |
| OZK | Bank OZK | $5.7B | 8.72 | 0.95 | 10.9% |
| PB | Prosperity Bancshares, Inc. | $8.9B | 13.44 | 0.91 | 6.7% |
| GBCI | Glacier Bancorp, Inc. | $6.5B | 18.71 | 1.50 | 8.1% |
Price
| Price | $18.44 (closing price, November 2, 2026) |
| Market Cap | $6.5B |
| Exchange | NYSE |
| Country | US |
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% |
Related companies: VLY · COLB · UBSI · HWC · OZK · PB · GBCI · ABCB
Explore sector: Financial Services · Banks - Regional
More sections of FNB: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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