Stocks · Financial Services · Banks - Regional
F.N.B. Corporation FNB
$17.45 +1.22% Close, Oct 2, 2026 · NYSE · Market cap $6.21B
Next earnings report: Oct 19, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 5.8× EBITDA, a high level of leverage.
- Diluted EPS over the last four quarters was $1.68, up 31.2% year over year.
- The shares trade at 10.4× trailing earnings, lower than 81% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth67Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 40%
- EPS growth (TTM, YoY)Top 34%
- FCF growth (TTM, YoY)Top 24%
- Revenue growth, 3-year CAGRTop 35%
- Revenue growth accelerationBottom 42%
Quality41Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 47%
- Gross marginBottom 49%
- Operating marginTop 38%
- Cash conversion (OCF / net income)Top 49%
- Accruals (lower is better)Bottom 44%
- Net debt / EBITDA (lower is better)Bottom 21%
- Interest coverBottom 44%
Value76Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 18%
- Free-cash-flow yieldTop 36%
- EBITDA / enterprise valueTop 45%
- Sales / enterprise valueBottom 36%
- P/E vs own 5-year history (lower is better)Top 18%
Momentum39Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 44%
- 6-month returnBottom 44%
- 1-year return vs S&P 500Top 44%
- Distance from 52-week highBottom 48%
- Trend checklist (0–4)Bottom 27%
Revisions70Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 37%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 28%
- Upside to consensus price targetTop 39%
Stability27Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 36%
- Maximum drawdown, 3 yearsBottom 38%
- Beta vs S&P 500 (lower is better)Bottom 18%
- Net debt / EBITDA (lower is better)Bottom 21%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.8% | 3.7% | ↓ |
| EPS growth (YoY) | 28.6% | 31.3% | ↑ |
| Gross margin | 59.2% | 64.4% | ↑ |
| Operating margin | 21.3% | 26.5% | ↑ |
| FCF margin | 13.8% | 23.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.7% | 4.8% | ↓ | Bottom 40% |
| EPS growth (TTM, YoY) | 31.3% | 28.6% | ↑ | Top 34% |
| Gross margin | 64.4% | 59.2% | ↑ | Bottom 49% |
| Operating margin | 26.5% | 21.3% | ↑ | Top 38% |
| Net margin | 22.3% | 17.9% | ↑ | — |
| Free-cash-flow margin | 23.0% | 13.8% | ↑ | — |
| Return on invested capital | 1.2% | — | Bottom 47% | |
| Revenue growth, 3-year CAGR | 18.8% | — | Top 35% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.16×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -85.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.82×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.85%
- Net buyback yield (TTM)
- 1.80%
- Shareholder yield
- 4.65%
- Share count change, 1 year
- -1.3%
- Share count change, 3-year CAGR
- -0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +7.7%
- Average 2-day reaction, last 8
- -1.1%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $20.80
- Target vs current price
- +19.2%
- Analysts with a rating
- 20
- Share rating Buy or Strong Buy
- 65%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 16, 2026 | +0.2% | +2.1% | -1.2% | +1.0% | — |
| Apr 16, 2026 | -1.0% | -2.7% | -1.3% | -3.6% | +5.8% |
| Jan 20, 2026 | +22.0% | -0.5% | +0.1% | +4.7% | +3.1% |
| Oct 16, 2025 | +9.5% | -7.2% | -3.0% | +2.7% | +8.9% |
| Jul 17, 2025 | +9.1% | +2.3% | +3.9% | +2.3% | +2.8% |
| Apr 16, 2025 | +7.6% | -0.6% | +7.1% | +18.0% | +29.7% |
| Jan 22, 2025 | +15.2% | -2.3% | -1.6% | -2.6% | -23.2% |
| Oct 17, 2024 | -2.9% | +0.4% | -2.0% | +12.7% | +2.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 16, 2026 | $0.42 | $0.42 | +0.2% | $462.7M |
| Apr 16, 2026 | $0.38 | $0.38 | -1.0% | $450.3M |
| Jan 20, 2026 | $0.50 | $0.41 | +22.0% | $457.8M |
| Oct 16, 2025 | $0.41 | $0.37 | +9.5% | $457.0M |
| Jul 17, 2025 | $0.36 | $0.33 | +9.1% | $438.2M |
| Apr 16, 2025 | $0.32 | $0.30 | +7.6% | $411.2M |
| Jan 22, 2025 | $0.38 | $0.33 | +15.2% | $373.0M |
| Oct 17, 2024 | $0.34 | $0.35 | -2.9% | $412.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.4× | 11.2× | 19th | Top 18% |
| P/E (forward) | 10.3× | — | — | — |
| EV / EBITDA | 13.8× | — | — | Top 45% |
| EV / Sales | 3.97× | — | — | Bottom 36% |
| Free-cash-flow yield | 10.01% | — | — | Top 36% |
| Earnings yield | 9.63% | — | — | Top 18% |
P/E over the past five years
Range 7.3× – 13.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +8.8%
- Earnings per share growth (TTM)
- +31.3%
- Change in P/E multiple
- -1.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.5%
- 200-day average slope (20 days)
- +0.7%
- Distance from 50-day average
- -5.4%
- Distance from 200-day average
- -2.4%
- RSI (14)
- 39.3
- Relative volume
- 0.85×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.2%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.06
- Correlation with S&P 500
- 0.58
- Current drawdown from 1-year high
- -10.5%
- Maximum drawdown, 3 years
- -33.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 25, 2024 | Apr 4, 2025 | -33.6% | 88 days | 172 days (Dec 10, 2025) |
| Feb 15, 2023 | May 4, 2023 | -29.1% | 54 days | 299 days (Jul 15, 2024) |
| Jan 14, 2022 | Jun 16, 2022 | -24.4% | 105 days | 89 days (Oct 24, 2022) |
| May 17, 2021 | Sep 21, 2021 | -21.8% | 88 days | 76 days (Jan 7, 2022) |
| Feb 9, 2026 | Mar 18, 2026 | -16.3% | 26 days | 67 days (Jun 24, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $6.21B
- P/E (TTM)
- 10.4
- EPS, diluted (TTM)
- $1.68
- Revenue (TTM)
- $2.71B
- Dividend yield
- 2.87%
- 52-week range
- $14.46 – $19.59
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.33B | $1.61B | $2.23B | $2.57B | $2.69B |
| Gross profit | $1.24B | $1.38B | $1.50B | $1.52B | $1.68B |
| Operating income | $503.0M | $553.0M | $584.0M | $555.0M | $669.4M |
| Net income | $405.0M | $439.0M | $485.0M | $465.0M | $565.4M |
| EPS (diluted) | $1.23 | $1.22 | $1.31 | $1.27 | $1.56 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $672.0M | $620.0M | $647.2M | $674.0M | $694.0M | $679.8M | $660.3M | $675.0M |
| Net income | $110.0M | $110.0M | $116.5M | $130.0M | $150.0M | $168.7M | $137.0M | $148.7M |
| EPS (diluted) | $0.30 | $0.30 | $0.32 | $0.36 | $0.41 | $0.47 | $0.38 | $0.42 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $530.0M | $1.22B | $423.0M | $642.0M | $482.0M |
| Capital expenditure | -$58.0M | -$95.0M | -$88.0M | -$139.0M | -$106.0M |
| Free cash flow | $472.0M | $1.12B | $335.0M | $503.0M | $376.0M |
| Dividends paid | -$156.0M | -$171.0M | -$174.0M | -$175.0M | -$174.0M |
| Net share buybacks | -$43.0M | -$43.0M | -$36.0M | -$3.0M | -$50.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $426.0M
- Total assets
- $51.00B
- Total liabilities
- $44.16B
- Total debt
- $4.97B
- Net debt
- $4.54B
- Shareholders’ equity
- $6.84B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 1, 2026 | $0.13 | Sep 15, 2026 |
| Jun 1, 2026 | $0.13 | Jun 15, 2026 |
| Mar 2, 2026 | $0.12 | Mar 16, 2026 |
| Dec 1, 2025 | $0.12 | Dec 15, 2025 |
| Sep 2, 2025 | $0.12 | Sep 15, 2025 |
| Jun 2, 2025 | $0.12 | Jun 15, 2025 |
| Mar 3, 2025 | $0.12 | Mar 15, 2025 |
| Dec 2, 2024 | $0.12 | Dec 15, 2024 |
Short interest
- Shares sold short
- 22,035,857
- Days to cover
- 6.32
- Change vs previous report
- -13.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 13, 2003
- 21-for-20
- May 15, 2002
- 21-for-20
- May 1, 2001
- 21-for-20
- Apr 26, 2000
- 21-for-20
- May 4, 1999
- 21-for-20