FNB Stock Analysis — F.N.B. Corporation
Sector: Financials
AI Verdict
FNB trades at 9.8x next year's earnings while analysts expect 15.2% EPS growth—this is cheap for the growth you're getting if its regional banking moat keeps credit quality intact.
Competitive Moat
F.N.B. Corporation is a regional bank with a defensible moat built on deep local relationships and a diversified loan portfolio across commercial and consumer banking. Its scale in key Mid-Atlantic and Southeast markets creates switching costs for business clients who rely on bundled financial services.
Summary
FNB's forward P/E of 9.8x and 15.2% expected EPS growth make it a rare regional bank trading at a discount to sector norms.
Where It Stands
FNB delivered 64.8% revenue growth last year, trades at 9.8x forward earnings versus the sector median of 14x, and its PEG ratio of 0.74 signals growth is more than priced in.
Key Metrics
- Trailing P/E: 11.3x
- Forward P/E: 9.8x
- PEG Ratio: 0.74
- Earnings Growth: +0.2%
- Revenue Growth: +0.6%
- Dividend Yield: 0.03%
- 52-Week High: $19.14
- 52-Week Low: $13.44
Analyst Consensus
11 Buy · 1 Hold · 0 Sell (12 analysts)
Bull Case
With 15.2% forward EPS growth expected and a P/E of just 9.8x, FNB offers much faster earnings growth than most banks at a below-average multiple.
Bear Case
If FNB's P/E reverts to the sector median of 14x, the stock could see a sharp re-rating if growth stalls, and any RSI spike above 65 would flag pullback risk.
Catalyst to Watch
Watch for quarterly loan growth and credit quality updates—any sign of credit deterioration or slowing loan demand could quickly undermine the low P/E story.