Key statistics

Is FNB a good stock to buy in 2026?

FNB stock appears to be a compelling ‘Buy’ candidate, trading at a significant discount with a P/E ratio of 10.87x compared to the Banks – Regional sector average of 22.1x. Its intrinsic value, according to our DCF model, suggests substantial undervaluation at $92.28, representing a 422.5% upside. Furthermore, a strong analyst consensus indicates a ‘Buy’ rating for FNB, with 68.4% of analysts projecting a 16.1% upside to a target of $20.5.

2026 FNB price scenarios

Based on analyst consensus of $20.5 from 19 analysts. Not a prediction by Alert Invest.

About F.N.B. Corporation (FNB)

F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses.

Led by CEO Vincent J. Delie Jr., F.N.B. Corporation employs 4,104 individuals, distinguishing itself through its community-focused approach to banking. The company’s diverse offerings span Community Banking, Wealth Management, and Insurance, catering to a broad client base with personalized financial solutions. Its regional presence allows for tailored services that build strong local relationships, contributing to its stable operational foundation.

FNB competitive moat and business analysis

F.N.B. Corporation maintains a competitive advantage through its robust operational efficiency, as evidenced by its net margin of 21.63%. This strong profitability indicates effective cost management and pricing power within its regional markets. While specific ROE/ROIC data is not available, the healthy margins suggest that FNB is adept at converting revenue into profit.

While specific segment and geographic revenue breakdowns are not explicitly provided, F.N.B. Corporation operates primarily across its Community Banking, Wealth Management, and Insurance segments. These integrated services allow the company to capture multiple revenue streams from its client relationships, fostering cross-selling opportunities and increasing customer lifetime value within its regional footprint.

With a revenue growth of 4.9% year-over-year, FNB demonstrates a consistent, albeit moderate, upward trend. This steady growth trajectory, coupled with its established regional banking presence, suggests a resilient business model. The absence of publicly available transcript quotes prevents a deeper dive into management’s specific strategies, but the historical performance indicates a company focused on sustainable expansion.

To fully assess FNB stock’s competitive standing, investors should consider its performance against key regional banking peers. Comparisons like FNB vs ABCB, FNB vs COLB, and FNB vs GBCI offer crucial insights into relative valuation, growth prospects, and financial health within the Financial Services sector.

F.N.B. Corporation analyst rating

Based on 19 analysts. 68.4% rate FNB Buy or Strong Buy.

With 68.4% of analysts rating FNB stock as ‘Buy’ or ‘Strong Buy’, this indicates a generally optimistic outlook for F.N.B. Corporation within the Financial Services sector. While not the highest consensus, it suggests a solid endorsement from the analyst community compared to more split ratings.

Is FNB undervalued or overvalued?

FNB’s P/E ratio of 10.87x is significantly lower than the Banks – Regional sector average of 22.1x, suggesting that FNB stock could be undervalued relative to its peers. This substantial discount, combined with a P/B ratio of 0.94x and a P/S ratio of 2.32x, further supports a cheap valuation for investors considering FNB. This attractive FNB valuation signals a potential buying opportunity.
The discounted cash flow (DCF) model estimates a compelling fair value of $92.28 for FNB, indicating a remarkable 422.5% upside from its current price. This highly favorable DCF valuation suggests FNB stock has considerable potential for long-term appreciation if the market eventually recognizes its intrinsic value, positioning it as an attractive investment from a fundamental perspective. Investors asking “is FNB a good stock” might find this deep undervaluation particularly appealing.

FNB financial health & key metrics

F.N.B. Corporation presents an interesting case for value investors, primarily due to its significantly low P/E ratio of 10.87x compared to the sector average, suggesting potential undervaluation for FNB stock. Coupled with a strong net margin of 21.63% and a healthy free cash flow yield of 5.99%, the company demonstrates solid operational efficiency. Although its debt-to-equity ratio is moderate, these positive metrics, particularly the deep discount indicated by the DCF fair value of $92.28, make FNB stock worth a closer look for those seeking undervalued opportunities.

F.N.B. Corporation earnings history & next report

F.N.B. Corporation reported EPS of $0.38, missing estimates by 0.0%. Next earnings: 2026-07-16 with EPS estimate of $0.42.

Investors interested in FNB stock will be keenly watching the upcoming earnings report on 2026-07-16, with an EPS estimate of $0.42. Following the previous quarter’s slight miss, attention will be on whether F.N.B. Corporation can meet or exceed these forward expectations, particularly regarding revenue growth and any updates on loan portfolio quality in the current economic environment. Strong earnings performance could be a catalyst for FNB valuation reassessment.

FNB daily short volume

Short volume data from FINRA CNMS Consolidated — shares sold short in the most recent US trading session. A high short ratio can signal bearish conviction or a potential short squeeze. Updated every trading day.

FNB insider trading activity

Corporate insiders must report trades to the SEC within two business days.

Source: SEC Form 4 via EDGAR · Data: Financial Modeling Prep · Not investment advice

Recent FNB analyst rating changes

F.N.B. Corporation stock news today

How does FNB compare to its peers?

For investors evaluating FNB stock, it’s beneficial to consider how F.N.B. Corporation stacks up against its industry peers. This comparison offers valuable context on relative performance, market positioning, and investment potential within the highly competitive Banks – Regional sector.

FAQ — F.N.B. Corporation (FNB) stock