Full text
Earnings transcript
Read the complete earnings call transcript.
FNB
F.N.B. Corporation
$18.32
0.28
(1.52%)
| Exchange: | NYSE |
| Market Cap: | 6.519B |
| Shares Outstanding: | 11.122M |
Delayed data
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 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. extends services such as corporate and small business accounts, financing for investment properties, commercial credit lines, capital markets access, and equipment leasing. For individual customers, the company offers a suite of banking products and services, encompassing deposit accounts, mortgage and personal lending, and digital banking platforms accessible via mobile and online channels. Its wealth management offerings include personal and corporate fiduciary services, such as the administration of estates and trusts, alongside securities brokerage, investment advisory services, and a variety of financial products like mutual funds and annuities. Additionally, F.N.B. provides both commercial and personal insurance, reinsurance products, and specialized mezzanine financing options tailored for small- to medium-sized businesses. As of December 31, 2021, the company maintained a network of 334 banking branches situated across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was established in 1864 and its corporate headquarters are located in Pittsburgh, Pennsylvania.
Click to read more…
Revenue Segmentation
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
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) | 2,176,537.635 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,176,537.878 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,176,537.757 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 679,702.636 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 679,702.712 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 679,702.674 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 784,585.914 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 804,011.984 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 793,272.809 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 588,922.746 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 588,922.812 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 588,922.779 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.190 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.220 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.170 | 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 |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: FNB demonstrates consistent revenue growth as reflected in the Income Statements data, with positive trends in net income and earnings per share (EPS) over recent periods. This indicates operational efficiency and profitability, appealing to investors seeking stable returns.
- Strong Cash Flow Metrics: The Cash Flow Statements highlight robust free cash flow and operating cash flow, supported by prudent capital expenditure (capex). This financial health provides FNB with flexibility for reinvestment or debt management, enhancing investor confidence.
- Favorable Valuation Metrics: Based on the Key Metrics data, FNB’s price-to-earnings (P/E) ratio (TTM) and price-to-sales (P/S) ratio (TTM) suggest the stock is reasonably valued compared to industry averages (Industry and Sector data), offering a potentially attractive entry point for value investors.
- Dividend Yield: The dividend yield (TTM) from Key Metrics indicates a competitive return for income-focused investors, supported by a history of consistent dividend payments as seen in the Cash Flow Statements (net dividends paid).
Log in with Full Access for Weaknesses, Opportunities, Threats, and the complete SWOT.
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.
[intrinsic_calculator]
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.
Daily snapshot
1.52
Trading Metrics:
| Open: | 18.05 | Previous Close: | 18.04 | |
| Day Low: | 18.01 | Day High: | 18.35 | |
| Year Low: | 13.54 | Year High: | 19.14 | |
| Price Avg 50: | 17.48 | Price Avg 200: | 16.91 | |
| Volume: | 625766 | Average Volume: | 6.674M |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
Login — it's freeFNB full analysis
Hey everyone, welcome back to the channel! Today, we’re diving into a deep, comprehensive analysis of F.N.B. Corporation, ticker symbol FNB, a regional bank that’s been making some interesting moves lately. If you’re looking to add a financial stock to your portfolio or just want to understand how this player stacks up in the banking sector, stick around. We’re going to break down everything from their financials to their valuation, recent performance, and more. Let’s get started! So, first off,…
