F.N.B. Corp (FNB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
F.N.B. Corp stock (FNB) is currently trading at $16.49. F.N.B. Corp PE ratio is 10.55. F.N.B. Corp PS ratio (Price-to-Sales) is 3.50. Analyst consensus price target for FNB is $20.06. WallStSmart rates FNB as Buy.
- FNB PE ratio analysis and historical PE chart
- FNB PS ratio (Price-to-Sales) history and trend
- FNB intrinsic value — DCF, Graham Number, EPV models
- FNB stock price prediction 2025 2026 2027 2028 2029 2030
- FNB fair value vs current price
- FNB insider transactions and insider buying
- Is FNB undervalued or overvalued?
- F.N.B. Corp financial analysis — revenue, earnings, cash flow
- FNB Piotroski F-Score and Altman Z-Score
- FNB analyst price target and Smart Rating
F.N.B. Corp
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FNB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · F.N.B. Corp (FNB)
FNB trades at a significant discount to its Graham intrinsic value of $73.01, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
F.N.B. Corp (FNB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
F.N.B. Corp (FNB) Key Strengths (8)
Keeps $39 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 55.80% year-over-year
Keeps $34 of every $100 in revenue as net profit
86.58% of shares held by major funds and institutions
Good growth relative to its price
Strong revenue growth at 26.40% annually
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
F.N.B. Corp (FNB) Areas to Watch (2)
Low profitability relative to shareholder equity
Revenue is fairly priced at 3.50x sales
F.N.B. Corp (FNB) Detailed Analysis Report
Overall Assessment
This company scores 82/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 8 register as strengths (avg 9.1/10) while 2 fall into concern territory (avg 4.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including PEG Ratio (1.05), Price/Book (0.85) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 38.50%, Profit Margin at 33.70%. Growth metrics are encouraging with Revenue Growth at 26.40%, EPS Growth at 55.80%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.50) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 8.65%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.65% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 26.40% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FNB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FNB's Price-to-Sales ratio of 3.50x trades at a deep discount to its historical average of 7.98x (4th percentile). The current valuation is 81% below its historical high of 18.38x set in Dec 2006, and 37% above its historical low of 2.56x in Jan 2019.
WallStSmart Analysis Synopsis
Data-driven financial summary for F.N.B. Corp (FNB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
F.N.B. Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 1.7B with 26% growth year-over-year. Profit margins are strong at 33.7%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 26% YoY, reaching 1.7B. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 865.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can F.N.B. Corp maintain 26%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact F.N.B. Corp.
Bottom Line
F.N.B. Corp offers an attractive blend of growth (26% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(37 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:23:16 AM
About F.N.B. Corp(FNB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
FNB Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small and medium-sized businesses. The company is headquartered in Pittsburgh, Pennsylvania.