FNB CORP(NYSE:FNB) stock Fundamental Analysis

Fundamental Rating

FNB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. FNB may be in some trouble as it scores bad on both profitability and health. FNB has a correct valuation and a medium growth rate. Finally FNB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year FNB was profitable.

In the past year FNB had a positive cash flow from operations.

Each year in the past 5 years FNB has been profitable.

Of the past 5 years FNB 4 years had a positive operating cash flow.

1.2 Ratios

With a Return On Assets value of 0.83%, FNB perfoms like the industry average, outperforming 54.64% of the companies in the same industry.

FNB has a Return On Equity of 6.37%. This is in the lower half of the industry: FNB underperforms 65.66% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.83%
ROE	6.37%
ROIC	N/A

ROA(3y)0.99%

ROA(5y)0.94%

ROE(3y)7.6%

ROE(5y)7.22%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FNB has a better Profit Margin (25.19%) than 63.91% of its industry peers.

In the last couple of years the Profit Margin of FNB has declined.

FNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.19%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.58%

PM growth 5Y-1.67%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FNB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, FNB has more shares outstanding

The number of shares outstanding for FNB has been increased compared to 5 years ago.

FNB has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of FNB is 7.43, which is on the high side as it means it would take FNB, 7.43 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of FNB (7.43) is worse than 68.92% of its industry peers.

FNB has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.

FNB has a Debt to Equity ratio (0.20) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	7.43
Altman-Z	N/A

ROIC/WACCN/A

WACC11.27%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FNB have decreased strongly by -10.83% in the last year.

The Earnings Per Share has been growing slightly by 3.30% on average over the past years.

The Revenue has been growing slightly by 0.39% in the past year.

FNB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.69% yearly.

EPS 1Y (TTM)-10.83%

EPS 3Y4.41%

EPS 5Y3.3%

EPS Q2Q%0%

Revenue 1Y (TTM)0.39%

Revenue growth 3Y8.88%

Revenue growth 5Y5.69%

Sales Q2Q%20.77%

3.2 Future

Based on estimates for the next years, FNB will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.28% on average per year.

The Revenue is expected to grow by 7.86% on average over the next years.

EPS Next Y1.63%

EPS Next 2Y10.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.57%

Revenue Next 2Y7.86%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.56 indicates a reasonable valuation of FNB.

FNB's Price/Earnings ratio is a bit cheaper when compared to the industry. FNB is cheaper than 76.94% of the companies in the same industry.

FNB is valuated cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 10.39, the valuation of FNB can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of FNB indicates a somewhat cheap valuation: FNB is cheaper than 67.42% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of FNB to the average of the S&P500 Index (22.70), we can say FNB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.56
Fwd PE	10.39

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FNB is valued a bit more expensive than the industry average as 75.19% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	28.27
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)6.47

PEG (5Y)3.2

EPS Next 2Y10.28%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FNB has a Yearly Dividend Yield of 3.17%.

FNB's Dividend Yield is a higher than the industry average which is at 3.19.

Compared to an average S&P500 Dividend Yield of 2.27, FNB pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.17%

5.2 History

The dividend of FNB has a limited annual growth rate of 0.84%.

FNB has been paying a dividend for at least 10 years, so it has a reliable track record.

FNB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)0.84%

Div Incr Years0

Div Non Decr Years15

5.3 Sustainability

44.97% of the earnings are spent on dividend by FNB. This is a bit on the high side, but may be sustainable.

The dividend of FNB is growing, but earnings are growing more, so the dividend growth is sustainable.

DP44.97%

EPS Next 2Y10.28%

EPS Next 3YN/A

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FNB CORP

NYSE:FNB (2/21/2025, 8:19:26 PM)

After market: 14.78 0 (0%)

14.78

-0.34 (-2.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22/bmo

Earnings (Next)04-15 2025-04-15/amc

Inst Owners81.89%

Inst Owner Change-85.07%

Ins Owners0.93%

Ins Owner Change-0.26%

Market Cap5.32B

Analysts83.33

Price Target19 (28.55%)

Short Float %2.52%

Short Ratio3.57

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.17%

Yearly Dividend0.51

Dividend Growth(5Y)0.84%

DP44.97%

Div Incr Years0

Div Non Decr Years15

Ex-Date03-03 2025-03-03 (0.12)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-2.84%

Min EPS beat(2)-3.23%

Max EPS beat(2)-2.46%

EPS beat(4)1

Avg EPS beat(4)0.2%

Min EPS beat(4)-3.23%

Max EPS beat(4)6.92%

EPS beat(8)5

Avg EPS beat(8)2.41%

EPS beat(12)9

Avg EPS beat(12)2.89%

EPS beat(16)13

Avg EPS beat(16)4.81%

Revenue beat(2)0

Avg Revenue beat(2)-1.13%

Min Revenue beat(2)-2.03%

Max Revenue beat(2)-0.23%

Revenue beat(4)0

Avg Revenue beat(4)-5.16%

Min Revenue beat(4)-17.35%

Max Revenue beat(4)-0.23%

Revenue beat(8)2

Avg Revenue beat(8)-2.25%

Revenue beat(12)3

Avg Revenue beat(12)-1.55%

Revenue beat(16)4

Avg Revenue beat(16)-1.31%

PT rev (1m)-1.32%

PT rev (3m)7.97%

EPS NQ rev (1m)-0.04%

EPS NQ rev (3m)-0.04%

EPS NY rev (1m)-0.46%

EPS NY rev (3m)-0.28%

Revenue NQ rev (1m)-0.23%

Revenue NQ rev (3m)-0.23%

Revenue NY rev (1m)0.93%

Revenue NY rev (3m)0.87%

Valuation

		Industry Rank	Sector Rank
PE	10.56
Fwd PE	10.39
P/S	3.36
P/FCF	28.27
P/OCF	17.96
P/B	0.85
P/tB	1.43
EV/EBITDA	N/A

EPS(TTM)1.4

EY9.47%

EPS(NY)1.42

Fwd EY9.63%

FCF(TTM)0.52

FCFY3.54%

OCF(TTM)0.82

OCFY5.57%

SpS4.39

BVpS17.38

TBVpS10.33

PEG (NY)6.47

PEG (5Y)3.2

Profitability

		Industry Rank	Sector Rank
ROA	0.83%
ROE	6.37%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.19%
GM	N/A
FCFM	11.9%

ROA(3y)0.99%

ROA(5y)0.94%

ROE(3y)7.6%

ROE(5y)7.22%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.58%

PM growth 5Y-1.67%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	7.43
Debt/EBITDA	N/A
Cap/Depr	163.64%
Cap/Sales	6.84%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	47.24%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC11.27%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-10.83%

EPS 3Y4.41%

EPS 5Y3.3%

EPS Q2Q%0%

EPS Next Y1.63%

EPS Next 2Y10.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.39%

Revenue growth 3Y8.88%

Revenue growth 5Y5.69%

Sales Q2Q%20.77%

Revenue Next Year5.57%

Revenue Next 2Y7.86%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-64.66%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-52.26%

OCF growth 3YN/A

OCF growth 5YN/A

FNB CORP (FNB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens