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F.N.B. Corp (FNB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of F.N.B. Corp stock $17.05, price $17.90, that is 4.7% below the price, quality 57 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear $13.82 to bull $19.30 Growth analysisrevenue history, year by year Quality 57/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Broad data Nov 6, 2026

F.N.B. Corp

FNB · US

Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Healthy Growth (revenue 5y +13.3 %/yr in USD)

Highly profitable · 34.5% net margin (TTM)

2.8% dividend yield · Low payout

Ranks above peers (11/15)

Upbeat coverage

Broad data

Fair value $17.05 · Fairly valued (−4.7%)

Quality 57/100

Wide moat 67/100 · thin data

Insiders sold $430,129 (6M)

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $9.04 – $19.49 · fair‑value band $13.82 – $19.30 · the $17.90 price screens above the $17.05 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

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.

Show moreShow less

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.

Stock analysis

F.N.B. Corp (FNB) currently trades at $17.90, while our model-based Fair Value estimate is $17.05, so the stock looks roughly fairly valued today (gap 5.0%).

Valuation

Bull case: the Multiples group reads highest at a median of $18.43 per share, and 1 of the 6 models we run sit above the $17.90 price.

Bear case: the Asset-Based group reads lowest at $8.05, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $13.82 (bear) to $19.30 (bull), the price of $17.90 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

F.N.B. Corp reported revenue of $2.7B in FY2025 versus $1.3B in FY2021, a compound +19.2%/yr. Reported net income was $565M in FY2025, compounding +8.7%/yr from FY2021.

Key figures

Market cap $6.4B Mid · P/E ratio 10.7 · P/S ratio 3.63 · EPS (TTM) $1.68 · Dividend yield 2.8% · Net margin 34.5% · Return on equity 9.0% · Return on assets (EBIT) 1.3% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).

What moves the price

The share trades about 8% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −5%, FNB screens cheaper than that median.

Fair Value models

Bear $13.82 Fair Value $17.05 Bull $19.30

Price $17.90 · Downside -4.7%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.00 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $15.90 $17.05 $19.30 76

DDM Multi-Stage $4.35 $7.50 $9.17 67

Gordon GGM $4.35 $8.69 $13.22 66

All 6 models by family

Dividend Discount

Gordon GGM $4.35 $8.69 $13.22 66

DDM Multi-Stage $4.35 $7.50 $9.17 67

Multiples

P/E Multiple $15.62 $20.82 $26.03 63

P/B Multiple $12.02 $16.03 $20.03 55

Asset-Based

NCAV (Graham) $6.01 $8.05 $12.02 54

Economic Profit

Residual Income $15.90 $17.05 $19.30 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31

How much profit the company makes from its sales and capital

Quality Growth 55

Are margins and returns getting better?

Cashflow 56

Do the profits arrive as real cash?

Financial strength 17

Debt, balance sheet and risk of trouble

Investment 78

Does it invest with discipline instead of growing at any price?

Low Volatility 76

How calm the share price moves, does not count

Price momentum 43

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 57

Distance to the 52-week high, does not count

New shares 91

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors sold shares worth $430,129 and none bought.

SaleBryant Mitchell DavidChief Wholesale Banking Office4,055 shares at $19.25$78,059Aug 6, 2026
SaleGary L GuerrieriChief Credit Officer2× since Dec 10, 2025: 34,000 shares, avg. $18.15$617,120Jun 12, 2026
SaleJames L DuteyCorporate Controller40,000 shares at $16.75$670,000Dec 2, 2025

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 94/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+4.9%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+18.8%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+13.3%

Start year 2020 (pandemic). Over 10 years: +14.3% a year

Revenue growth 35 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+9.3%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

+8.4%

Earnings growth per share plus dividend.

Earnings per share, growth per year+5.6%

Dividend (yield on the price)2.8%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5.6% vs 6.2%, steady

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → 25%

Pace: the 5-year rate starts in 2020 (pandemic)

Watch FNB, get fair value alerts →

Earlier news

News mood ⓘNews mood, the average tone of recent news (98 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype

Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

Learn Why The Bull Case For F.N.B (FNB) Could Change Following Record Net Interest Income Yahoo Finance · Oct 23, 2026
Is F.N.B (FNB) Undervalued Following Its Dividend Affirmation And 2026 Guidance Update? Yahoo Finance · Oct 23, 2026
FNB Q3 Deep Dive: Technology Investment and Diversified Loan Growth Underpin Results Yahoo Finance · Oct 22, 2026

Note from the team Oct 11, 2026

AI conclusion: The regional bank broadens fee-based services via crypto access while standard metrics show limited evidence of durable competitive advantages.

Main risk: Regulatory scrutiny and operational risks from the crypto partnership could complicate core risk controls in its regional banking operations.

F.N.B. has rolled out crypto investing access for Bitcoin, Ethereum and other assets directly through its banking platform in partnership with VALR. This step broadens fee-based services amid digital shifts in banking yet adds layers of regulatory scrutiny and operational risk typical for regional players. Will the new revenue potential strengthen fee growth more than it complicates core risk controls?

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 11/15 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 57 · Above median

Fair Value upside −4.7% · Above median

Profitability

Return on equity (12 months) 9.0% · Below median

Return on assets 1.1% · Above median

Net margin (12 months) 34.5% · Above median

Operating margin (12 months) 44.8% · Above median

Growth and dividend

Revenue growth (quarter YoY) 3.8% · Below median

Dividend yield (12 months) 2.8% · Above median

Balance sheet

Debt / equity 0.28× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.7× · Cheaper than median

P/B 0.95× · Cheaper than median

P/S (12 months) 3.63× · Pricier than median

Price / free cash flow (fiscal year) 17.0× · Priciest 25%

EV/EBITDA 8.7× · Cheaper than median

PEG 1.05× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)27 · sector 8

FUTURE (revenue growth)19 · sector 47

PAST (return on equity)36 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)57 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs FNB
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs FNB
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs FNB
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs FNB
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs FNB
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs FNB
Mizuho Financial Group MFG	$9.40	$5.90	−37%	vs FNB
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs FNB
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs FNB
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs FNB

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F.N.B. Corp: fair value per Fair Value Calculator

<a href="https://www.fairvalue-calculator.com/stock/FNB?utm_source=embed&amp;utm_medium=badge" target="_blank" rel="nofollow noopener"><img src="https://www.fairvalue-calculator.com/embed/FNB.US.svg" width="360" height="84" alt="F.N.B. Corp: fair value per Fair Value Calculator" style="border:0;max-width:100%" loading="lazy"></a>

Cite: Fair Value Calculator (2026). "F.N.B. Corp Fair Value". https://www.fairvalue-calculator.com/stock/FNB

Frequently asked questions

Is F.N.B. Corp (FNB) overvalued or undervalued?

As of Nov 6, 2026, our model estimates a fair value of $17.05 versus a price of $17.90, about 5% lower (fairly valued).

What is the fair value of FNB?

Our model-based fair value for F.N.B. Corp is $17.05 (as of Nov 6, 2026), built from audited fundamentals. The current price: $17.90.

What is the quality score of FNB?

F.N.B. Corp has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for F.N.B. Corp (FNB)?

Our model-based price target is the fair value of $17.05 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $13.82, optimistic scenario $19.30. It is a calculation from audited fundamentals, not an analyst target.

What is the F.N.B. Corp stock forecast for 2026?

Our models put fair value at $17.05, about 5% lower versus a price of $17.90 (fairly valued). Cautious scenario $13.82, optimistic scenario $19.30. The calculation is refreshed regularly with new filings.

What is the revenue of F.N.B. Corp (FNB)?

F.N.B. Corp reported trailing-twelve-month revenue of about $1.8B (latest available figure, as of Nov 6, 2026).

Does F.N.B. Corp pay a dividend?

F.N.B. Corp currently shows a dividend yield of 2.85% relative to its recent price (as of Nov 6, 2026).

How much is the dividend of F.N.B. Corp (FNB) and when is the ex-dividend date?

F.N.B. Corp pays a dividend of $0.51 per share a year, a dividend yield of 2.8%. The last ex-dividend date was Sep 1, 2026. A dividend has been paid every year since at least 1986. The payout ratio is 30.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of F.N.B. Corp (FNB)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For F.N.B. Corp it is $17.05 per share (as of Nov 6, 2026), against a price of $17.90. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is F.N.B. Corp stock overvalued or undervalued in 2026?

As of Nov 6, 2026, FNB trades above its calculated fair value: price $17.90, fair value $17.05, a gap of about −5% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of FNB?

No. The price is what the market pays today ($17.90); the fair value is what the company's own numbers justify ($17.05). For F.N.B. Corp the two are $0.8500 per share apart. That gap is exactly why we show both numbers side by side.

How much is F.N.B. Corp worth?

The market values F.N.B. Corp at about $6.4B (market capitalisation, as of Nov 6, 2026). Per share that is $17.90; our models calculate a fair value of $17.05 per share.

What do the bullish and bearish scenarios say about FNB?

Our models span a range for F.N.B. Corp: cautious scenario $13.82, base $17.05, optimistic $19.30 per share (as of Nov 6, 2026, price $17.90). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of FNB?

F.N.B. Corp trades at a price-to-earnings ratio of 10.7 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $17.05 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 4 of the years ex one-offs: 10.8. Other multiples: PEG 1.0, P/B 1.0, P/S 3.6, EV/EBITDA 8.7.

What is the PEG ratio of FNB?

The PEG ratio of F.N.B. Corp is 1.05 (P/E divided by earnings growth, as of Nov 6, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of F.N.B. Corp (FNB)?

Balance-sheet figures for F.N.B. Corp (as of Nov 6, 2026): return on equity 9.0%, debt of 0.28 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.

How far is FNB from its 52-week high?

F.N.B. Corp trades at $17.90, about 8% below its 52-week high of $19.49 and 19% above the low of $15.05 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $17.05 is for.

Which stocks are comparable to F.N.B. Corp?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is F.N.B. Corp stock attractive at the current price?

The data as of Nov 6, 2026: price $17.90, calculated fair value $17.05 (−5%), Quality Score 57/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of FNB calculated?

We run F.N.B. Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $17.05 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.0% above its aggregate fair value. F.N.B. Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of F.N.B. Corp (FNB)?

The closing price on Nov 6, 2026 was $17.90. Our model-based fair value is $17.05, about 5% lower (fairly valued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with F.N.B. Corp right now?

The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of F.N.B. Corp (FNB) come from?

Earnings per share at F.N.B. Corp grew +5.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.0 %, EBIT margin −2.5 %, tax rate +2.1 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of F.N.B. Corp

How large is the market capitalisation of F.N.B. Corp (FNB)?

The market capitalisation of F.N.B. Corp is $6.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of F.N.B. Corp (FNB)?

The price-to-sales ratio of F.N.B. Corp is 3.63 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of F.N.B. Corp (FNB)?

Earnings per share at F.N.B. Corp are $1.68 (price ÷ EPS = P/E 10.7). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of F.N.B. Corp (FNB)?

The dividend yield of F.N.B. Corp is 2.8% (payout 30.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of F.N.B. Corp (FNB)?

The net margin of F.N.B. Corp is 34.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of F.N.B. Corp (FNB)?

The return on equity (ROE) of F.N.B. Corp is 9.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of F.N.B. Corp (FNB)?

On an EBIT basis the return on assets of F.N.B. Corp is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of F.N.B. Corp (FNB)?

The operating margin of F.N.B. Corp is 44.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at F.N.B. Corp (FNB)?

Revenue at F.N.B. Corp is growing +3.8% versus a year earlier (3y avg +18.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at F.N.B. Corp (FNB)?

Earnings per share at F.N.B. Corp are growing +4.9% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does F.N.B. Corp (FNB) generate?

The free cash flow of F.N.B. Corp is $376M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does F.N.B. Corp (FNB) carry?

The net debt of F.N.B. Corp is $1.4B (fiscal year 2025, ≈ 3.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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