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FNBF.N.B. Corporation
$18.87$6.7B
Overview & Verdict
Overview
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FNB logoF.N.B. Corporation(FNB)Earnings, Financials & Key Ratios

FNB•NYSE•Banking & Credit
$18.87
12.1× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutF.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, Wealth Management, and Insurance. It offers commercial banking solutions, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. The company also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services; and wealth management services comprising personal and corporate fiduciary services comprising administration of decedent and trust estates; securities brokerage and investment advisory services, mutual funds, and annuities; and commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. As of December 31, 2021, it operated 334 banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.Show more
  • Net Interest Income$1.42B+10.9%
  • Total Revenue$2.69B+4.9%
  • Net Income$565M+21.6%
  • Return on Equity8.66%+15.0%
  • Net Interest Margin2.83%+7.3%
  • Efficiency Ratio37.47%+0.1%
  • ROA1.14%+16.6%
  • Equity / Assets13.46%+3.8%
  • Book Value per Share18.67+7.5%

FNB Price & Volume

F.N.B. Corporation (FNB) stock price & volume — 10-year historical chart

Loading chart...

Disciplined Operational Scaling Amidst Asset Concentration Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:CRE concentration and deposit betas

Key Thesis Takeaways

  • F.N.B.
  • Corporation demonstrates a resilient growth trajectory, evidenced by a 13.2 percent year-over-year increase in net interest income as of 2026Q1.
  • While the bank has successfully improved its efficiency ratio to 39.1 percent, investors should remain cautious regarding the significant 45.2 billion dollar investment securities portfolio and potential liquidity sensitivities.
  • Future performance will likely hinge on the bank's ability to manage credit provisioning within its commercial real estate exposure while maintaining stable capital buffers.

Verdict Logic

while the bank shows a solid 13.2 percent year-over-year NII growth, the high concentration of 45.2 billion dollars in investment securities against a 452 million dollar cash position suggests liquidity risks that require further observation.

FNB Growth Metrics

F.N.B. Corporation (FNB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.28%
5 Years13.34%
3 Years18.78%
TTM-

Profit CAGR

10 Years13.48%
5 Years14.6%
3 Years8.8%
TTM27.47%

EPS CAGR

10 Years6.14%
5 Years12.91%
3 Years8.54%
TTM28.57%

Return on Capital

10 Years7.17%
5 Years7.01%
3 Years6.47%
Last Year6.74%

FNB Recent Earnings

F.N.B. Corporation (FNB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 16, 2026
Metric
Actual
Est
EPS
$0.38-1.0%
$0.38
Rev
$450M-0.8%
$454M
Q1 2026
Jan 20, 2026
Metric
Actual
Est
EPS
$0.50+22.0%
$0.41
Rev
$458M-0.1%
$458M
Q4 2025
Oct 16, 2025
Metric
Actual
Est
EPS
$0.41+9.5%
$0.37
Rev
$457M+2.1%
$448M
Q3 2025
Jul 17, 2025
Metric
Actual
Est
EPS
$0.36+9.1%
$0.33
Rev
$438M+3.3%
$424M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 16, 2026
$0.38vs $0.38-1.0%
$450Mvs $454M-0.8%
Q1 2026Jan 20, 2026
$0.50vs $0.41+22.0%
$458Mvs $458M-0.1%
Q4 2025Oct 16, 2025
$0.41vs $0.37+9.5%
$457Mvs $448M+2.1%
Q3 2025Jul 17, 2025
$0.36vs $0.33+9.1%
$438Mvs $424M+3.3%
Based on last 12 quarters of dataView full earnings history →

Latest FNB News

Recent stock market news and headlines for F.N.B. Corporation (FNB)

PRNewsWire·Jun 25, 2026
FNB Recognized for Sustained Growth and Strong Performance

FNB Earns Placement on Inaugural List of America's High Growth Companies PITTSBURGH, June 25, 2026 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB), along with its largest subsidiary First National Bank, announced today it has been named to the inaugural America's High Growth Companies list from Business Insider for 2026, recognizing FNB's ability to achieve sustainable growth and maintain strong financial performance.

GuruFocus·Jun 23, 2026
FNB CEO Vincent Delie Earns Additional Prestigious National Honors for Business Excellence and Values-Driven Leadership

FNB CEO Vincent Delie Earns Additional Prestigious National Honors for Business Excellence and Values-Driven Leadership PR News

PRNewsWire·Jun 23, 2026
FNB CEO Vincent Delie Earns Additional Prestigious National Honors for Business Excellence and Values-Driven Leadership

Sons of Italy Foundation and Values-in-Action Foundation Awards Build on Delie's Recognition for Performance, Innovation and Commitment to an Outstanding Culture of Growth and Community Impact PITTSBURGH, June 23, 2026 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) and its largest subsidiary, First National Bank, today announced that Vincent Delie, Chairman, President and Chief Executive Officer, recently received two national awards complementing the broad-based honors he has garnered during his long tenure for sustained financial performance, customer-centric innovation, effective leadership, community engagement and FNB's superior workplace culture.

Peers Comparison

Key metrics vs top competitors for F.N.B. Corporation (FNB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FNB logoFNBF.N.B. CorporationCurrent
$18.87$6.72B12.104.94%20.98%8.66%2.55%
UMBF logoUMBFUMB Financial Corporation
$146.01$11.12B15.9968.52%19.79%11.67%—
WTFC logoWTFCWintrust Financial Corporation
$161.45$10.89B13.976.66%20.11%11.93%—
SNV logoSNVSynovus Financial Corp.
$50.05$6.95B16.521.16%24.05%14.45%—
IBOC logoIBOCInternational Bancshares Corporation
$75.98$4.72B11.481.03%39.31%13.16%—
WSFS logoWSFSWSFS Financial Corporation
$76.24$3.97B14.98-3.05%22.64%11.38%—

Compare FNB vs Peers

F.N.B. Corporation (FNB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs UMBF

Most directly comparable listed peer for FNB.

Scale Benchmark

vs V

Larger-name benchmark to compare FNB against a more recognizable public peer.

Peer Set

Compare Top 5

vs UMBF, WTFC, SNV, IBOC

FNB SEC Filings & Documents

F.N.B. Corporation (FNB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 19, 2026·SEC

Material company update

May 8, 2026·SEC

Material company update

Apr 17, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 24, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 6, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 6, 2025·SEC

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FNB Frequently Asked Questions

F.N.B. Corporation (FNB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is F.N.B. Corporation growing?

F.N.B. Corporation (FNB) grew revenue by 4.9% over the past year. Growth has been modest.

Is FNB profitable?

Yes, F.N.B. Corporation (FNB) is profitable, generating $585.7M in net income for fiscal year 2025 (21.0% net margin).

Dividend & Returns
Does FNB pay dividends?

Yes, F.N.B. Corporation (FNB) pays a dividend with a yield of 2.55%. This makes it attractive for income-focused investors.

What is FNB's return on equity?

F.N.B. Corporation (FNB) has a return on equity (ROE) of 8.7%. This is below average, suggesting room for improvement.

Industry Metrics
What is F.N.B. Corporation's net interest margin?

F.N.B. Corporation (FNB) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

What is F.N.B. Corporation's efficiency ratio?

F.N.B. Corporation (FNB) has an efficiency ratio of 37.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FNB back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →