F.N.B. Corporation
- Open
- 18.91
- Day high
- 19.11
- Day low
- 18.50
- Prev close
- 19.16
- Volume
- 7.2M
- Mkt cap
- $6.7B
- P/E (TTM)
- 11.1
- EPS (TTM)
- $1.69
- P/B
- 1.0
- P/S
- 2.5
- Yield
- 2.61%
- Per share
- $0.49
- ▼Insiders net selling -$352K over the last 3 months (0 open-market buys, 1 sale)
- 🏛Institutions accumulating (13F)
F.N.B. Corporation (FNB) is a Financial Services company listed on NYSE. The stock is up 16% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 1 sale (SEC Form 4).
F.N.B. Corporation (FNB) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 4 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
FNB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 17, 2026 | $0.42 | $0.42 | +0.0% | $463M | -1.0% |
| Apr 17, 2026 | $0.38 | $0.38 | +0.0% | $450M | -0.8% |
| Jan 20, 2026 | $0.41 | $0.50 | +22.0% | $458M | +0.3% |
| Oct 16, 2025 | $0.37 | $0.41 | +9.5% | $457M | +2.1% |
| Jul 17, 2025 | $0.33 | $0.36 | +9.1% | $438M | +3.3% |
| Apr 16, 2025 | $0.30 | $0.32 | +7.6% | $411M | +0.2% |
| Jan 22, 2025 | $0.33 | $0.38 | +15.2% | $373M | -8.6% |
| Oct 17, 2024 | $0.35 | $0.34 | -2.9% | $412M | +0.5% |
| Jul 17, 2024 | $0.35 | $0.34 | -2.9% | $404M | -3.8% |
| Apr 17, 2024 | $0.34 | $0.34 | +0.0% | $407M | +0.1% |
| Jan 18, 2024 | $0.35 | $0.38 | +8.6% | $338M | -16.4% |
| Oct 18, 2023 | $0.36 | $0.40 | +11.1% | $407M | +1.6% |
FNB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 12, 2026 | GUERRIERI GARY Lofficer: Chief Credit Officer | Sell | 19,000 | $18.53 |
| May 8, 2026 | Nicholas Heidi Adirector | Grant | 5,027 | $17.90 |
| May 8, 2026 | Mencini Frank Cdirector | Grant | 5,027 | $17.90 |
| May 8, 2026 | Dively Mary Jodirector | Grant | 4,748 | $17.90 |
| May 8, 2026 | MOTLEY DAVID Ldirector | Grant | 4,748 | $17.90 |
| May 8, 2026 | CHIAFULLO JAMES Ddirector | Grant | 5,027 | $17.90 |
| May 8, 2026 | MALONE DAVID Jdirector | Grant | 5,027 | $17.90 |
| May 8, 2026 | DELIE VINCENT J JRdirector, officer: Chairman, President, & CEO | Grant | 4,748 | $17.90 |
| May 8, 2026 | STRIMBU WILLIAM Jdirector | Grant | 4,748 | $17.90 |
| May 8, 2026 | CAMPBELL WILLIAM Bdirector | Grant | 279 | $17.90 |
| May 8, 2026 | STANIK JOHN Sdirector | Grant | 5,027 | $17.90 |
| May 8, 2026 | Mencini Frank Cdirector | Tax | 200 | $17.90 |
| May 8, 2026 | Bena Pamela Adirector | Grant | 4,748 | $17.90 |
| Mar 19, 2026 | ORIE JAMESofficer, other: Chief Legal Officer | Tax | 1,431 | $16.11 |
| Mar 19, 2026 | DELIE VINCENT J JRdirector, officer: Chairman, President, & CEO | Grant | 227,919 | $16.11 |
Source: FNB SEC Form 4 filings, latest Jun 12, 2026. For informational purposes only — not investment advice.
See the full FNB insider & 13F page →F.N.B. Corporation company profile
Overview
F.N.B. Corporation (NYSE:FNB) is a Pittsburgh-based financial holding company founded in 1864 that has evolved into a prominent regional bank serving the Mid-Atlantic and Southeast United States. Through its primary subsidiary First National Bank of Pennsylvania, the company operates 334 banking offices across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington D.C., and Virginia. With nearly $49 billion in total assets as of 2024, FNB has established itself as a significant player in the regional banking sector, focusing on community banking, wealth management, and insurance services while maintaining strong market positions in its core geographic footprint.
Business
F.N.B. Corporation operates as a diversified financial services company through three primary business segments. Community Banking represents the core of FNB's operations, providing traditional banking services including commercial and consumer lending, deposit products, and treasury management services. This segment generates the majority of the company's revenue through net interest income from loans and deposits. The bank specializes in serving small-to-medium sized businesses, corporations, government entities, and individual consumers across its geographic markets. The Wealth Management segment offers comprehensive financial advisory services including personal and corporate fiduciary services, securities brokerage, investment advisory services, mutual funds, and annuities. This division focuses on administration of decedent and trust estates, providing fee-based income that helps diversify the company's revenue streams beyond traditional banking. The Insurance segment provides commercial and personal insurance products along with reinsurance services. This business line offers property and casualty insurance, life insurance, and specialized coverage options, generating commission-based revenue. The company has been strategically expanding its non-interest income sources, with these fee-based businesses targeting 30% of total revenue over time. FNB's loan portfolio of $33.9 billion consists primarily of commercial real estate, commercial and industrial loans, and residential mortgages, while its $37.1 billion deposit base includes a strong component of non-interest bearing demand deposits that provide low-cost funding.
Revenue model
F.N.B. Corporation generates revenue through multiple streams typical of regional banking operations. The primary revenue source is net interest income, earned from the spread between interest charged on loans and interest paid on deposits and borrowings. With a loan portfolio of $33.9 billion and deposits of $37.1 billion, this traditional banking model provides the foundation of profitability. The company benefits from maintaining approximately $10 billion in non-interest bearing deposits, which provide zero-cost funding that enhances net interest margins. Non-interest income represents a growing component of FNB's business model, reaching a record $350 million in 2024. This includes fees from wealth management services, insurance commissions, capital markets activities, mortgage banking, treasury management services, and various deposit account fees. The company has been strategically investing in expanding these fee-based revenue streams to reduce dependence on interest rate cycles. Several factors influence FNB's profitability margins. Interest rate environments significantly impact net interest margins - rising rates generally benefit the bank by increasing loan yields faster than deposit costs, while falling rates compress margins. The company's deposit mix is crucial, as non-interest bearing deposits provide competitive advantages during rate cycles. Credit quality affects margins through provision expenses, with economic downturns potentially requiring higher loan loss reserves. Competition from larger national banks and fintech companies can pressure both deposit costs and loan pricing. Regulatory changes, particularly around capital requirements and compliance costs, can impact operational efficiency. The company's geographic concentration in the Mid-Atlantic and Southeast regions makes it sensitive to regional economic conditions, though this diversification across multiple states provides some stability compared to single-market banks.
Competitive moat
F.N.B. Corporation's competitive moat is moderate but meaningful within the regional banking sector. The company's primary defensive characteristics stem from its established market presence and relationship-based banking model. FNB holds top 5 deposit market share in 50% of its markets and top 10 share in 80% of its markets, indicating strong local brand recognition and customer loyalty. This market position creates switching costs for customers who value local relationships and community banking services that larger national banks may not prioritize. The bank's deposit franchise represents its strongest moat element, particularly its ability to maintain approximately $10 billion in non-interest bearing deposits. These relationships with commercial and retail customers provide low-cost funding that becomes increasingly valuable during rising rate environments. FNB's investment in digital banking platforms, including its proprietary eStore and AI-driven customer insights tools, helps defend against fintech disruption while maintaining the personal service advantages of community banking. However, FNB faces significant competitive pressures that limit moat strength. Large national banks possess superior technology resources, broader product offerings, and greater pricing flexibility due to their scale and diversification. Fintech companies continue to unbundle traditional banking services, particularly in payments, lending, and digital customer acquisition. Credit unions and other community banks compete directly for the same customer segments, often with similar value propositions. The banking industry's commoditized nature means that switching costs, while present, are not insurmountable for customers seeking better rates or services. FNB's geographic concentration, while providing market knowledge advantages, also limits growth opportunities compared to banks with national footprints or those in faster-growing metropolitan areas.
Risks & safety
F.N.B. Corporation demonstrates solid financial stability with manageable risk levels typical of well-run regional banks. • Liquidity and Solvency: Strong cash position of $1.02 billion, current ratio of 3.86, and minimal solvency risk given the regulated banking environment and deposit insurance protections • Capital Strength: Record CET1 ratio of 10.6% well above regulatory minimums, debt-to-equity ratio of 12.1% indicating conservative leverage, total equity of $6.3 billion providing substantial buffer • Valuation Metrics: Trading at 12.1x earnings and 0.31x book value, suggesting potential undervaluation relative to intrinsic worth, though consistent with regional bank sector compression • Credit Quality: Net charge-offs at manageable 24 basis points, total delinquency at 83 basis points, proactive management of commercial real estate exposure • Operational Considerations: Positive free cash flow generation, stable deposit base with strong non-interest bearing component, diversified revenue streams reducing interest rate sensitivity
Recent development
Over the past several years, F.N.B. Corporation has pursued a comprehensive digital transformation and market expansion strategy. The company launched its proprietary eStore platform featuring a common application for consumer loans and deposits, significantly increasing digital interactions by 22% year-over-year. This digital initiative won recognition at the 2024 Banking Tech Awards, demonstrating the bank's commitment to technological advancement. FNB has strategically expanded its capital markets capabilities, adding commodities hedging and public finance services to diversify revenue streams beyond traditional banking. The company developed Opportunity IQ, an AI-driven customer insights tool powered by an enterprise data warehouse storing over 71 billion records, enabling more sophisticated customer relationship management and product cross-selling. The bank has pursued selective geographic expansion, particularly in the Carolinas market where it has achieved strong commercial loan growth. FNB completed the UB Bancorp acquisition in North Carolina and opened new banking locations while partnering with organizations like the Washington Metropolitan Area Transit Authority for ATM services. To optimize its balance sheet, the company executed strategic portfolio management moves including a $431 million indirect auto loan sale and $650 million securities sale, reinvesting proceeds at higher yields. Risk management enhancements have been a priority, with FNB reducing its non-owner commercial real estate portfolio exposure by $300 million and implementing more sophisticated stress testing capabilities. The company has also focused on strengthening its deposit franchise through treasury management services, merchant services, and targeted digital marketing initiatives while maintaining its valuable base of non-interest bearing deposits.
FNB company profile · for informational purposes only — not investment advice.
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