Fundamentals Overview
F.N.B. Corporation is near the high of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
+417.5% upside vs price
Profitability
Risk (Beta)
0.9 — in line vol
Earnings & growth
BullzEye Analysis
Our composite tilts Buy on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +417.5% upside vs price · Analyst grade: A- · Sentiment improving (1 upgrade) · 3M vs Financial Services sector: +9.7%
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: A-. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 7, Market Perform: 3, Outperform: 6, Overweight: 14.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $92.59; current price is $17.89. That’s a +417.5% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 11.46 |
| DCF value (model) | $92.59 (417.5% upside) |
| PEG (TTM) | 0.53 |
| P/B (TTM) | 0.95 |
| P/S (TTM) | 2.37 |
| P/FCF (TTM) | 17 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 1.01 |
| Quick Ratio (TTM) | 1.01 |
| Cash Ratio (TTM) | 0.06 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 20.97% |
| Gross margin (TTM) | 62.3% |
| Operating margin (TTM) | 24.83% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for FNB.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Truist Securities | maintain | Buy | Buy | 2026-01-22 |
| Piper Sandler | maintain | Overweight | Overweight | 2026-01-22 |
| Truist Securities | maintain | Buy | Buy | 2025-10-20 |
| Truist Securities | maintain | Buy | Buy | 2025-07-22 |
| DA Davidson | maintain | Buy | Buy | 2025-07-21 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-07-21 |
| Keefe, Bruyette & Woods | maintain | Outperform | Outperform | 2025-07-21 |
| Truist Securities | maintain | Buy | Buy | 2025-07-11 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-07-10 |
| Keefe, Bruyette & Woods | upgrade | Market Perform | Outperform | 2025-04-21 |
| DA Davidson | maintain | Buy | Buy | 2025-04-17 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-04-09 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-01-23 |
| DA Davidson | maintain | Buy | Buy | 2025-01-23 |
| Wells Fargo | maintain | Overweight | Overweight | 2025-01-06 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-12-04 |
| Wells Fargo | maintain | Overweight | Overweight | 2024-12-03 |
| Raymond James | maintain | Outperform | Outperform | 2024-11-21 |
| Stephens & Co. | maintain | Overweight | Overweight | 2024-10-21 |
| Piper Sandler | maintain | Overweight | Overweight | 2024-07-19 |
| Stephens & Co. | maintain | Overweight | Overweight | 2024-07-18 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-06-26 |
| Stephens & Co. | maintain | Overweight | Overweight | 2024-04-19 |
| Wells Fargo | maintain | Overweight | Overweight | 2024-04-10 |
| Raymond James | maintain | Outperform | Outperform | 2024-01-22 |
| Raymond James | maintain | Outperform | Outperform | 2023-10-23 |
| Stephens & Co. | maintain | Overweight | Overweight | 2023-07-20 |
| Stephens & Co. | maintain | Overweight | Overweight | 2023-07-19 |
| Raymond James | maintain | Outperform | Outperform | 2023-04-06 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2023-04-06 |