F.N.B. Corporation

FNB | NYSE

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$17.91

-$0.02 (-0.11%)

At close: Sep 21, 2026, 4:00 PM ET

$17.86

-$0.05 (-0.28%)

Pre-market: Sep 22, 2026, 5:02 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $6.38B

Enterprise Value $8.63B

Beta 0.86

Average Volume 4.76M

Shares Outstanding (Diluted) 357.41M

Shares Change YoY -1.34%

Institutional Ownership 85.91%

Exchange NYSE

ISIN US3025201019

Price Performance

Price Change 1M -3.3%

Price Change 3M -4.5%

Price Change 6M 8.6%

Price Change YTD 4.2%

Price Change 1Y 11.3%

Price Change 3Y 69.4%

Price Change 5Y 57.7%

1M CAGR (ann.) -4.8%

1Y CAGR (ann.) 13.6%

5Y CAGR (ann.) 14.2%

All-Time CAGR 5.0%

Valuation

PE Ratio 10.66

Forward PE 9.87

PEG Ratio 0.33

Forward PEG 0.98

PS Ratio 2.35

Forward PS 3.20

PB Ratio 0.93

P/FCF Ratio 13.68

P/Adj. FCF Ratio 13.68

P/OCF Ratio 9.00

EV/Sales 3.19

EV/EBIT 12.02

EV/EBITDA 11.05

EV/FCF 18.52

Earnings Yield 9.4%

FCF Yield 7.3%

Adj. FCF Yield 7.3%

Financial Health

Net Debt $2.26B

Total Debt $2.68B

Cash & Short-Term Investments $426M

Total Assets $51B

Current Ratio 0.16

Quick Ratio 0.16

Debt / Equity Ratio 0.73

Debt / EBITDA 3.43

Debt / FCF 5.75

OCF / Debt 0.21

Interest Coverage 0.81

Altman Z-Score 0.20

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 64.4%

Operating Profit Margin 26.5%

EBITDA Margin 28.8%

Net Profit Margin 22.3%

FCF Margin 17.2%

Adj. FCF Margin 17.2%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 1.2%

Return on Equity 8.9%

Return on Invested Capital 1.2%

Return on Capital Employed 1.5%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y 10.6%

Revenue CAGR 5Y 14.5%

Revenue CAGR 10Y 13.3%

EPS CAGR 3Y 2.7%

EPS CAGR 5Y 9.7%

EPS CAGR 10Y 8.5%

FCF CAGR 3Y -15.7%

FCF CAGR 5Y -1.1%

FCF CAGR 10Y 7.2%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 20

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 14, 2026

EPS Estimate (next Q) $0.43

EPS Growth Est (next Q) 5.5%

Revenue Est (next Q) $475.19M

Revenue Growth Est (next Q) 4.0%

Fair Value Estimates

Graham Number $27.02

Graham Upside 50.9%

Lynch Fair Value $16.21

Lynch Upside -9.5%

Price Target $20.80

Price Target Upside 16.1%

Cash Flow

Operating Cash Flow $569M

Free Cash Flow $466M

Adj. Free Cash Flow $466M

FCF Per Share $1.76

OCF Per Share $1.99

OCF/S Ratio 26.0%

Income Statement

Revenue $2.71B

Gross Profit $1.75B

Operating Income $717.74M

EBITDA $780.74M

Net Income $604.46M

EPS (Diluted) $1.68

Revenue / Employee $644.25K

Profit / Employee $143.75K

Employees 4,205

Dividends

Annual Dividend $0.50

Dividend Yield 2.79%

Payout Ratio 29.8%

FCF Payout Ratio 37.1%

Adj. FCF Payout Ratio 37.1%

Dividend Growth (YoY) 4.2%

Pay Frequency Quarterly

Ex-Dividend Date Aug 31, 2026