F.N.B. Corporation Common Stock (FNB)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at F.N.B. as a steady regional bank, not a spectacular compounder. At the close on 2026-10-13, the market valued it at $6.0B, or $17.05 per share, which is 10.15 times FairStock's earnings calculation and only 0.88 times book value. A bank trading below book with a 3.05% dividend yield and a 0.89 beta is not priced for perfection. The filed figures show fiscal Q2 2026, the quarter ended 2026-06-30, net income of $149.0M and diluted EPS of $0.42, versus $130.0M and $0.36 in fiscal Q2 2025, the quarter ended 2025-06-30. For FY2025, net income was $565.0M and diluted EPS was $1.56, up from $465.0M and $1.27 in FY2024, though FY2024 was slightly below FY2023's $485.0M and $1.31. That fits the supplied Lynch label: a STALWART with 14.6% five-year profit growth, not a fast grower. The quality signals are mixed but reasonable. FairStock's ROE is 9.04%, Piotroski F-Score is 6/9, and PEG is 0.19. A 32.18% latest-quarter net margin is healthy for a bank. However, banks live on leverage and credit, and the data does not include CET1, net interest margin or combined ratio, so I cannot underwrite capital adequacy, spread income, or insurance underwriting. Revenue is also marked n/a in the filed figures. At 0.88 times book, much depends on whether loan losses stay benign and book value is real. I would call it cheap-looking but not clearly safe.

In plain English: F.N.B. is a regional bank that offers banking, wealth management and insurance services. Its recent reported profits have been steady, and it earns a reasonable return on shareholders' money, but important bank details like capital strength and lending margins are missing from the data. The shares look inexpensive compared with profits and accounting value, though bank risks mean cheap can sometimes be cheap for a reason.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer