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FNB, Inc (FIDS) Fair Value & Analysis

Financial Services · US · Market cap $18.0M

Price$26.75
Fair Value$36.69
Upside+37.2%
Quality95/100
Evidence: High Range $27.52 – $45.87

Fair value as of: Jun 26, 2026

Analysis

FNB, Inc (FIDS) currently trades at $26.75, while our model-based Fair Value estimate is $36.69 — implying the stock looks roughly 37.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

FNB, Inc. operates as the bank holding company for The First National Bank of Dennison that provides personal and business banking products in Ohio. Its products and services include checking, savings, certificates of deposit, and individual retirement accounts; debit cards; and cash management, merchant card processing, night depository, overdraft protection, safe deposit boxes, and mobile and online banking services. The company also offers various loans comprising agricultural loans, commercial loans, construction loans, fixed rate and variable rate mortgages, installment loans, and home equity loans. The company was founded in 1874 and is based in Dennison, Ohio.

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Frequently asked questions

Is FNB, Inc (FIDS) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $36.69 versus a price of $26.75 — about +37% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FIDS?
Our 21-model fair value for FNB, Inc is $36.69 (as of Jun 26, 2026), built from audited fundamentals. The current price is $26.75.
What is the quality score of FIDS?
FNB, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.