📊 FNB Key Takeaways
Is Fnb Corp./PA/ (FNB) a Good Investment?
FNB Corp exhibits critical operational stress with revenue growth of 66.6% failing to translate to earnings expansion (net income flat YoY), indicating severe margin compression or cost inflation. Most alarming is an interest coverage ratio of 0.8x, signifying the bank cannot cover interest expenses from operating income—a fundamental solvency concern. Combined with severely depressed profitability metrics (ROE 2.0%, ROA 0.3%), the company demonstrates structural profitability challenges.
FNB Corp shows solid core profitability, healthy balance sheet leverage, and positive free cash flow generation, which supports overall financial stability. However, the quality of recent growth looks mixed because revenue surged while net income was flat, suggesting margin pressure, higher funding costs, or elevated credit expense. The fundamentals support resilience, but not enough operating momentum to justify a more aggressive rating.
Why Buy Fnb Corp./PA/ Stock? FNB Key Strengths
- Strong top-line revenue growth of 66.6% YoY demonstrates market demand and business expansion
- Healthy operating margin of 30.6% and net margin of 24.1% show pricing power in operations
- Positive free cash flow generation of $133M with 23.4% FCF margin provides operational liquidity
- Conservative debt-to-equity ratio of 0.29x indicates manageable financial leverage
- Net margin of 24.3% and ROA of 1.1% indicate solid bank-level profitability
- Low debt-to-equity of 0.28x and a sizable $6.76B equity base support balance sheet strength
- Positive operating cash flow and $376M of free cash flow provide internal capital flexibility
FNB Stock Risks: Fnb Corp./PA/ Investment Risks
- Interest coverage ratio of 0.8x indicates operational income cannot cover interest expenses—critical solvency warning signal
- Profitability metrics critically depressed: ROE of 2.0% and ROA of 0.3% suggest severe capital inefficiency vs. banking industry norms
- Net income growth flat at 0% despite 66.6% revenue growth reveals earnings quality deterioration and uncontrolled cost growth
- Fundamental disconnect between revenue expansion and profit generation suggests underlying operational or structural problems
- Revenue growth did not translate into net income growth, which raises concern about earnings quality
- ROE of 8.4% is only moderate and suggests limited capital efficiency versus stronger bank peers
- Interest coverage of 3.0x indicates less room if funding costs stay elevated or credit conditions weaken
Key Metrics to Watch
- Interest coverage ratio—must sustainably exceed 1.5x for financial stability
- Return on equity trend—must improve toward 8-10% range typical for stable financial institutions
- Net income growth rate vs. revenue growth—critical indicator of earnings quality and operational control
- Net interest margin and provision for loan losses—core drivers of banking profitability
- Net interest margin and deposit/funding costs
- Provision for credit losses and nonperforming assets
Fnb Corp./PA/ (FNB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 23.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FNB Profit Margin, ROE & Profitability Analysis
FNB vs Finance Sector: How Fnb Corp./PA/ Compares
How Fnb Corp./PA/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Fnb Corp./PA/ Stock Overvalued? FNB Valuation Analysis 2026
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 Corp./PA/ Balance Sheet: FNB Debt, Cash & Liquidity
FNB Revenue & Earnings Growth: 5-Year Financial Trend
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 Revenue Growth, EPS Growth & YoY Performance
Fnb Corp./PA/ Dividends, Buybacks & Capital Allocation
FNB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Fnb Corp./PA/ (CIK: 0000037808)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778261079.xml | View → |
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778261023.xml | View → |
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778260986.xml | View → |
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778260908.xml | View → |
| May 8, 2026 | 4 | xslF345X06/wk-form4_1778260859.xml | View → |
❓ Frequently Asked Questions about FNB
What is the AI rating for FNB?
Fnb Corp./PA/ (FNB) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 75% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FNB's key strengths?
Claude: Strong top-line revenue growth of 66.6% YoY demonstrates market demand and business expansion. Healthy operating margin of 30.6% and net margin of 24.1% show pricing power in operations. ChatGPT: Net margin of 24.3% and ROA of 1.1% indicate solid bank-level profitability. Low debt-to-equity of 0.28x and a sizable $6.76B equity base support balance sheet strength.
What are the risks of investing in FNB?
Claude: Interest coverage ratio of 0.8x indicates operational income cannot cover interest expenses—critical solvency warning signal. Profitability metrics critically depressed: ROE of 2.0% and ROA of 0.3% suggest severe capital inefficiency vs. banking industry norms. ChatGPT: Revenue growth did not translate into net income growth, which raises concern about earnings quality. ROE of 8.4% is only moderate and suggests limited capital efficiency versus stronger bank peers.
What is FNB's revenue and growth?
Fnb Corp./PA/ reported revenue of $569.0M.
Does FNB pay dividends?
Fnb Corp./PA/ pays dividends, with $43.0M 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 $0.38.
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 May 2026, Fnb Corp./PA/ has a SELL rating with 75% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FNB stock overvalued or undervalued?
Valuation metrics for FNB: ROE of 2.0% (sector avg: 12%), net margin of 24.1% (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 SELL 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 $151.0M, with capital expenditures of $18.0M. FCF margin is 23.4%.
How does FNB compare to other Finance stocks?
Vs Finance sector averages: Net margin 24.1% (avg: 25%), ROE 2.0% (avg: 12%), current ratio N/A (avg: 1.2).