📊 FNB Key Takeaways
Is Fnb Corp./PA/ (FNB) a Good Investment?
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.
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 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
- 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
- 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
- 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
- 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
- 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 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
❓ Frequently Asked Questions about FNB
What is the AI rating for FNB?
Fnb Corp./PA/ (FNB) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (HOLD) with 72% combined 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. 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: 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. 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 $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 April 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).