FNB CORP (FNB)
US3025201019 - Common Stock
We assign a fundamental rating of 3 out of 10 to FNB. FNB was compared to 404 industry peers in the Banks industry. FNB may be in some trouble as it scores bad on both profitability and health. FNB has a valuation in line with the averages, but on the other hand it scores bad on growth. FNB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year FNB was profitable.
FNB had a positive operating cash flow in the past year.
In the past 5 years FNB has always been profitable.
FNB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.83%, FNB is in line with its industry, outperforming 55.22% of the companies in the same industry.
With a Return On Equity value of 6.37%, FNB is not doing good in the industry: 63.43% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 6.37% | ||
| ROIC | N/A |
ROA(3y)1.01%
ROA(5y)0.97%
ROE(3y)7.74%
ROE(5y)7.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 25.19%, FNB is in the better half of the industry, outperforming 63.93% of the companies in the same industry.
In the last couple of years the Profit Margin of FNB has remained more or less at the same level.
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 3Y9.92%
PM growth 5Y0.1%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FNB has been reduced compared to 1 year ago.
Compared to 5 years ago, FNB has more shares outstanding
The debt/assets ratio for FNB has been reduced compared to a year ago.
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.
FNB has a Debt to FCF ratio of 7.43. This is in the lower half of the industry: FNB underperforms 68.66% 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
WACC11.33%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FNB have decreased strongly by -14.11% in the last year.
The Earnings Per Share has been growing slightly by 6.99% on average over the past years.
Looking at the last year, FNB shows a decrease in Revenue. The Revenue has decreased by -4.13% in the last year.
The Revenue has been growing slightly by 5.40% on average over the past years.
EPS 1Y (TTM)-14.11%
EPS 3Y17.82%
EPS 5Y6.99%
EPS Q2Q%-15%
Revenue 1Y (TTM)-4.13%
Revenue growth 3Y8.91%
Revenue growth 5Y5.4%
Sales Q2Q%1.2%
3.2 Future
FNB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.83% yearly.
FNB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.10% yearly.
EPS Next Y-13.39%
EPS Next 2Y-4.58%
EPS Next 3Y1.83%
EPS Next 5YN/A
Revenue Next Year-0.42%
Revenue Next 2Y2.09%
Revenue Next 3Y4.1%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.49, which indicates a very decent valuation of FNB.
FNB's Price/Earnings ratio is rather cheap when compared to the industry. FNB is cheaper than 80.35% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.35. FNB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.28 indicates a reasonable valuation of FNB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FNB indicates a somewhat cheap valuation: FNB is cheaper than 69.15% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.86, FNB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 10.28 |
4.2 Price Multiples
FNB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. FNB is more expensive than 73.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.1 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.5
EPS Next 2Y-4.58%
EPS Next 3Y1.83%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.21%, FNB has a reasonable but not impressive dividend return.
FNB's Dividend Yield is a higher than the industry average which is at 3.16.
FNB's Dividend Yield is a higher than the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.21% |
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 2Y-4.58%
EPS Next 3Y1.83%
FNB CORP
NYSE:FNB (12/30/2024, 12:02:08 PM)
14.69
-0.05 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.64%
Inst Owner Change-0.81%
Ins Owners0.97%
Ins Owner Change-1.84%
Market Cap5.28B
Analysts83.33
Price Target19.25 (31.04%)
Short Float %1.93%
Short Ratio2.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.21% |
Dividend Growth(5Y)0.84%
DP44.97%
Div Incr Years0
Div Non Decr Years15
Ex-Date
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)9.42%
PT rev (3m)14.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.53%
EPS NY rev (1m)0.09%
EPS NY rev (3m)-2.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.98%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 10.28 | ||
| P/S | 3.34 | ||
| P/FCF | 28.1 | ||
| P/OCF | 17.85 | ||
| P/B | 0.85 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.4
EY9.53%
EPS(NY)1.43
Fwd EY9.73%
FCF(TTM)0.52
FCFY3.56%
OCF(TTM)0.82
OCFY5.6%
SpS4.39
BVpS17.38
TBVpS10.33
PEG (NY)N/A
PEG (5Y)1.5
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)1.01%
ROA(5y)0.97%
ROE(3y)7.74%
ROE(5y)7.32%
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 3Y9.92%
PM growth 5Y0.1%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
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-Score5
WACC11.33%
ROIC/WACCN/A
Cap/Depr(3y)274.32%
Cap/Depr(5y)N/A
Cap/Sales(3y)5.62%
Cap/Sales(5y)4.81%
Profit Quality(3y)149.89%
Profit Quality(5y)106.36%
High Growth Momentum
Growth
EPS 1Y (TTM)-14.11%
EPS 3Y17.82%
EPS 5Y6.99%
EPS Q2Q%-15%
EPS Next Y-13.39%
EPS Next 2Y-4.58%
EPS Next 3Y1.83%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.13%
Revenue growth 3Y8.91%
Revenue growth 5Y5.4%
Sales Q2Q%1.2%
Revenue Next Year-0.42%
Revenue Next 2Y2.09%
Revenue Next 3Y4.1%
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-82.82%
FCF growth 3Y66.94%
FCF growth 5Y-10.27%
OCF growth 1Y-75.06%
OCF growth 3Y55.27%
OCF growth 5Y-7.09%