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Earnings transcript
Read the complete earnings call transcript.
FNB
F.N.B. Corporation
$16.86
-0.04
(-0.24%)
| Exchange: | NYSE |
| Market Cap: | 6.026B |
| Shares Outstanding: | 11.122M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Vincent J. Delie Jr. | |||||
| Full Time Employees: | 4104 | |||||
| Address: |
| |||||
| Website: | https://www.fnb-online.com |
F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, Wealth Management, and Insurance. It offers commercial banking solutions, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. The company also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services; and wealth management services comprising personal and corporate fiduciary services comprising administration of decedent and trust estates; securities brokerage and investment advisory services, mutual funds, and annuities; and commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. As of December 31, 2021, it operated 334 banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 2,227,000 | 2,568,000 | 2,694,832 |
| Gross Profit | 1,499,000 | 1,516,000 | 1,679,096 |
| EBITDA | 662,000 | 622,000 | 669,356 |
| Operating Income | 584,000 | 555,000 | 669,356 |
| Net Income | 485,000 | 465,000 | 565,387 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 46,158,000 | 48,625,000 | 50,229,000 |
| Total Liabilities | 40,108,000 | 42,323,000 | 43,470,000 |
| Total Stockholders Equity | 6,050,000 | 6,302,000 | 6,759,000 |
| Total Debt | 4,477,000 | 4,268,000 | 3,918,000 |
| Cash and Cash Equivalents | 1,576,000 | 2,419,000 | 2,498,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 423,000 | 642,000 | 0 |
| Capital Expenditure | -88,000 | -139,000 | 0 |
| Free Cash Flow | 335,000 | 503,000 | 0 |
| Net Income | 485,000 | 465,000 | 565,387 |
| Net Change in Cash | -98,000 | 843,000 | -2,419,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,201,312.200 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,201,312.600 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,201,312.400 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 687,439.390 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 687,439.515 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 687,439.453 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 788,306.801 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 807,396.253 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 797,818.951 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 595,626.193 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 595,626.301 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 595,626.247 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.200 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.230 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.180 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: FNB demonstrates consistent revenue growth as reported in recent income statements, with positive trends in net income and earnings per share (EPS). Strong operating cash flow and free cash flow figures indicate robust operational efficiency and liquidity to support ongoing investments.
- Healthy Profitability Metrics: Key metrics such as gross profit margin and net profit margin (from Key Metrics TTM) reflect a competitive edge within the industry, showcasing FNB’s ability to manage costs effectively while generating substantial returns.
- Strong Balance Sheet: Balance sheet data highlights a favorable current ratio and quick ratio, indicating good short-term financial health. Additionally, a manageable debt-to-equity ratio suggests a balanced approach to leveraging, reducing financial risk.
- Dividend Stability: The consistent dividend yield (from Key Metrics TTM) and history of dividend payments (lastDiv) provide an attractive return to shareholders, positioning FNB as a reliable income stock for investors.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates FNB intrinsic value between $17.35 – $20.42 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about FNB valuation
Is F.N.B. Corporation (FNB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for F.N.B. Corporation (FNB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FNB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FNB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FNB’s P/E ratio?
You can see FNB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FNB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FNB a good long-term investment?
Whether FNB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FNB
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
-0.24
Trading Metrics:
| Open: | 16.61 | Previous Close: | 16.9 | |
| Day Low: | 16.45 | Day High: | 16.91 | |
| Year Low: | 10.88 | Year High: | 19.14 | |
| Price Avg 50: | 17.22 | Price Avg 200: | 16.4 | |
| Volume: | 7.524M | Average Volume: | 7.585M |
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Login — it's freeFNB full analysis
Welcome to MARKETSNAP’s SWOT analysis for First National Bank, or FNB as you might know it on the ticker. Today, we’re diving deep into this financial institution to uncover what makes it tick, where it shines, and where it might face some headwinds. If you’re a long-term investor looking to build wealth, stick around because we’ve got a lot to unpack about FNB’s position in the market, recent developments, and what could drive its future growth—or hold it back. Let’s…
