F.N.B. (FNB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

F.N.B.

NYSE•Financial Services•Banks - Regional

$17.89-0.37(-0.02%)Pre-market

Market Cap

$6.43B

P/E

10.6x

P/S

3.5x

P/B

0.9x

F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including small business banking, investment real estate financing, business credit, capital market, and capital market and equipment financing services. It provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches 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.

How this company scores

ExcellentMetricSide Score: 87/100

Strongest: Growth (23/25); weakest: Balance Sheet & Red Flags (21/25).

Profitability21/25

Growth23/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality22/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.6x5y range 6.8x – 12.6x

Currently near its 20-quarter median.

P/S · 3.5x5y range 2.4x – 3.5x

Currently near its 20-quarter median.

P/B · 0.9x5y range 0.7x – 0.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $6.43B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.83B
Q. Revenue: $463.00M
TTM EBITDA: $717.00M
TTM Op. Income: $717.00M
Q. Op. Income: $188.00M
TTM Net Income: $604.00M
Q. Net Income: $149.00M
EPS: $0.42
Shares Out.: $356.57M

$1.83B in TTM revenue grew 11.8% YoY, reaching $463.00M last quarter. TTM EBITDA of $717.00M and TTM operating income of $717.00M show growth is flowing through to the bottom line. TTM net income of $604.00M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 40.6%
Op. Margin: 40.6%
Net Margin: 32.2%

Op. margin of 40.6% is up 2.8% YoY — cost efficiency is improving. Net margin at 32.2% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.6x
P/S Ratio: 3.5x
P/B Ratio: 0.9x

At 10.6x P/E, the stock trades below typical market levels. P/S of 3.5x and P/B of 0.9x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 6% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $51.00B
Cash: $2.38B
Long-Term Debt: $2.00B
Book Value: $6.84B
D/E Ratio: 0.3
Debt/EBITDA: 10.6

With $51.00B in assets and $2.00B in long-term debt, D/E is 0.3and book value is $6.84B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 29% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $258.00M
TTM Free Cash Flow: $622.00M
FCF Margin: 34.0%
FCF / Net Income: 1.0

TTM FCF of $622.00M on $258.00M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.