📊 FNB Key Takeaways
Is FNB a Good Investment? Thesis Analysis
FNB Corp demonstrates solid financial health with strong revenue growth of 66.6% YoY and healthy profitability margins (24.3% net margin). The company maintains a conservative capital structure (0.28x debt/equity) and generates substantial free cash flow ($376M), though ROE of 8.4% suggests moderate efficiency in deploying shareholder capital for a bank of this size.
Why Buy FNB? Key Strengths
- Strong revenue growth of 66.6% YoY indicating expanded loan portfolios or acquisition-driven expansion
- Healthy net profit margin of 24.3% and operating margin of 28.8% showing operational efficiency
- Conservative leverage with debt-to-equity of 0.28x and adequate interest coverage of 3.0x
- Positive free cash flow of $376M ($2.3B revenue less $106M capex) providing flexibility for dividends or debt reduction
- Significant insider activity with 25 Form 4 filings suggesting management confidence in the company
FNB Investment Risks to Consider
- Low ROA of 1.1% and ROE of 8.4% indicate below-average returns on assets and equity for a commercial bank, suggesting operational challenges or margin compression
- Net income growth flat at 0% YoY despite 66.6% revenue growth signals potential cost inflation, loan loss provisions, or non-recurring charges offsetting gains
- Interest coverage of 3.0x is relatively tight; vulnerable to rising rates or credit deterioration
- Banking sector sensitivity to economic cycles and potential credit quality deterioration in rising rate environment
Key Metrics to Watch
- Net interest margin (NIM) trend to assess pricing power amid rate environment changes
- Loan loss provision and non-performing loan ratio to gauge credit quality deterioration
- Efficiency ratio (operating expenses/revenue) to monitor cost control and operational leverage
- Return on equity trend recovery toward industry averages of 10%+ for sustainable performance
- Core deposit growth and funding stability relative to loan growth
FNB Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FNB Profitability Ratios
FNB vs Finance Sector
How FNB CORP/PA/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FNB Overvalued or Undervalued?
Based on fundamental analysis, FNB CORP/PA/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
FNB Balance Sheet & Liquidity
FNB 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: FNB CORP/PA/'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.31 reflects profitable operations.
FNB Growth Metrics (YoY)
FNB Capital Allocation
FNB SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for FNB CORP/PA/ (CIK: 0000037808)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 19, 2026 | 4 | xslF345X06/wk-form4_1773952790.xml | View → |
| Mar 19, 2026 | 4 | xslF345X06/wk-form4_1773952762.xml | View → |
| Mar 19, 2026 | 4 | xslF345X06/wk-form4_1773952710.xml | View → |
| Mar 19, 2026 | 4 | xslF345X06/wk-form4_1773952695.xml | View → |
| Mar 19, 2026 | 4 | xslF345X06/wk-form4_1773952633.xml | View → |
❓ Frequently Asked Questions about FNB
What is the AI rating for FNB?
FNB CORP/PA/ (FNB) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FNB's key strengths?
Claude: Strong revenue growth of 66.6% YoY indicating expanded loan portfolios or acquisition-driven expansion. Healthy net profit margin of 24.3% and operating margin of 28.8% showing operational efficiency.
What are the risks of investing in FNB?
Claude: Low ROA of 1.1% and ROE of 8.4% indicate below-average returns on assets and equity for a commercial bank, suggesting operational challenges or margin compression. Net income growth flat at 0% YoY despite 66.6% revenue growth signals potential cost inflation, loan loss provisions, or non-recurring charges offsetting gains.
What is FNB's revenue and growth?
FNB CORP/PA/ reported revenue of $2.3B.
Does FNB pay dividends?
FNB CORP/PA/ pays dividends, with $174.0M distributed to shareholders in the trailing twelve months.
Where can I find FNB SEC filings?
Official SEC filings for FNB CORP/PA/ (CIK: 0000037808) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FNB's EPS?
FNB CORP/PA/ has a diluted EPS of $1.56.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FNB a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, FNB CORP/PA/ has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FNB stock overvalued or undervalued?
Valuation metrics for FNB: ROE of 8.4% (sector avg: 12%), net margin of 24.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FNB stock in 2026?
Our dual AI analysis gives FNB CORP/PA/ a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FNB's free cash flow?
FNB CORP/PA/'s operating cash flow is $482.0M, with capital expenditures of $106.0M. FCF margin is 16.2%.
How does FNB compare to other Finance stocks?
Vs Finance sector averages: Net margin 24.3% (avg: 25%), ROE 8.4% (avg: 12%), current ratio N/A (avg: 1.2).