Quick verdict: FNB vs GBCI in 2026

Overall, F.N.B. Corporation (FNB) appears to have a slight edge based on a direct comparison of key metrics, leading on 4 out of 7 comparable categories in our scorecard. Glacier Bancorp, Inc. (GBCI) stands out as the clear growth leader with its robust revenue expansion, while FNB takes the lead as the value and margin champion. While analysts show a marginally higher buy percentage for GBCI and a slightly greater target upside, FNB exhibits significantly higher implied upside from discounted cash flow analysis. Not investment advice.

FNB vs GBCI: key metrics side by side

Full side-by-side comparison of FNB and GBCI across valuation, profitability, growth and analyst sentiment. Data updated 2026-05-03.

FNB vs GBCI valuation comparison

Comparing FNB vs GBCI valuation metrics reveals a notable difference in how the market prices these two financial institutions as of 2026-05-03. F.N.B. Corporation (FNB) presents a significantly more attractive valuation from a traditional perspective, trading at a P/E ratio of 10.87x. This is considerably lower than Glacier Bancorp, Inc.’s (GBCI) P/E ratio of 23.94x, indicating that FNB’s earnings are valued at less than half the multiple of GBCI’s. Similarly, when considering the price-to-book (P/B) ratio, FNB stands at 0.94x, trading below its book value, whereas GBCI trades at 1.5x. These figures suggest that FNB could be perceived as undervalued relative to GBCI, offering a more compelling entry point for value-oriented investors seeking to understand `fnb vs gbci fundamentals and valuation`.

Furthermore, the discounted cash flow (DCF) analysis provides a strong indicator of potential upside for both stocks. FNB’s DCF valuation suggests a remarkable upside of +422.5% from its current price of $17.66 to a fair value of $92.28. While GBCI also shows substantial implied value, with a DCF upside of +269.2% from its $49.08 price to a target of $181.18, FNB’s potential for appreciation based on this model is considerably higher. This stark difference in DCF upside further reinforces FNB’s position as the cheaper stock among the two, making it a potentially more attractive option for investors focused on intrinsic value and long-term capital gains based on a `fnb vs gbci stock comparison 2026`.

FNB vs GBCI growth comparison

When evaluating FNB vs GBCI growth, Glacier Bancorp, Inc. (GBCI) demonstrates a stronger revenue growth momentum. GBCI reported an impressive year-over-year revenue growth of +14.5%, significantly outpacing F.N.B. Corporation’s (FNB) revenue growth of +4.9%. This substantial difference highlights GBCI’s more aggressive expansion or its ability to capture a larger market share, potentially due to its operational strategies or geographical footprint. For investors prioritizing top-line expansion and market dynamism, GBCI’s performance indicates stronger forward momentum in increasing its overall sales.

Despite FNB’s slower revenue growth, it maintains a competitive stance in profitability margins, which can sometimes indicate a more mature, efficient operation or differing business mix. FNB’s net margin of 21.63% surpasses GBCI’s 17.67%, and its EBITDA margin of 27.06% is also higher than GBCI’s 25.91%. However, when strictly focusing on growth, GBCI’s double-digit revenue increase positions it as the more dynamic entity in terms of expanding its operational scale. While detailed forward estimates for both companies would provide a clearer picture of anticipated future growth trajectories, the current figures clearly point to GBCI having the stronger recent growth, which could appeal to investors seeking companies with high expansion rates in the financial services sector as part of their `fnb vs gbci stock comparison 2026` analysis.

FNB vs GBCI profitability

In terms of profitability, F.N.B. Corporation (FNB) exhibits a superior performance compared to Glacier Bancorp, Inc. (GBCI) based on key margin metrics. FNB boasts a net profit margin of 21.63%, which is notably higher than GBCI’s net margin of 17.67%. This indicates that FNB is more efficient at converting its revenue into actual profit, suggesting better cost management or a more favorable revenue mix inherent in its business model. Additionally, FNB’s EBITDA margin stands at 27.06%, slightly outperforming GBCI’s 25.91%, further underscoring its operational efficiency.

Both companies have an N/A% for Return on Equity (ROE), which means this particular metric isn’t available for direct comparison from the provided data. However, looking at Free Cash Flow (FCF) yield, FNB shows a marginal advantage at 5.99% compared to GBCI’s 5.92%. While the difference is small, FNB’s slightly higher FCF yield, combined with its stronger net and EBITDA margins, suggests that it generates slightly more cash relative to its market capitalization and is generally more efficient in its operations. For investors focused on the financial health and operational efficiency, FNB appears to be the more profitable enterprise, capable of generating a higher return on its sales.

Analyst ratings: FNB vs GBCI

The analyst community holds a generally positive outlook on both FNB and GBCI, though with slight differences in sentiment and target upside. F.N.B. Corporation (FNB) is covered by 19 analysts, with a significant 68.4% issuing a “Buy” rating. Their consensus price target for FNB is $20.5, representing a potential upside of +16.1% from its current price of $17.66. This suggests a solid belief in the company’s prospects, albeit with a relatively modest short-to-medium term price appreciation expectation from a collective expert view.

Glacier Bancorp, Inc. (GBCI), while covered by a smaller pool of 14 analysts, shows a marginally higher level of conviction, with 71.4% recommending a “Buy.” The consensus price target for GBCI is $57.33, implying a slightly greater upside potential of +16.8% from its current price of $49.08. This suggests that while both companies are viewed favorably, analysts collectively perceive GBCI to have a fractionally stronger near-term growth potential in terms of share price appreciation. Therefore, for those weighing `fnb vs gbci analyst ratings and recommendations`, GBCI holds a slight edge in analyst preference based on both higher buy percentage and slightly greater target upside as of 2026-05-03.

Should I buy FNB or GBCI stock in 2026?

When considering `should i buy fnb or gbci stock in 2026`, the decision largely depends on your investment philosophy and priorities. For growth-oriented investors, Glacier Bancorp, Inc. (GBCI) presents a compelling case. Its impressive year-over-year revenue growth of +14.5% significantly outpaces F.N.B. Corporation’s (FNB) +4.9%, indicating stronger business momentum and potential for continued expansion. If you prioritize top-line growth and a dynamic market presence in the financial services sector, GBCI might align better with your investment objectives.

Conversely, value investors seeking a potentially undervalued asset would likely find FNB more appealing. FNB trades at a P/E ratio of 10.87x and a P/B ratio of 0.94x, both considerably lower than GBCI’s 23.94x P/E and 1.5x P/B. Furthermore, FNB’s discounted cash flow (DCF) analysis suggests a substantial upside of +422.5%, significantly higher than GBCI’s +269.2%. These metrics suggest that FNB offers a stronger `fnb vs gbci fundamentals and valuation` argument for those looking for a stock that may be trading below its intrinsic worth and offers greater potential for capital appreciation through a re-rating or realization of its value.

For investors focused on income, both FNB and GBCI offer a very modest dividend yield of 0.03%. This indicates that neither stock currently stands out as a strong income-generating investment; therefore, dividend yield is unlikely to be a deciding factor in choosing between these two. Ultimately, your choice between FNB and GBCI in 2026 should be guided by whether your strategy leans towards high growth (GBCI) or deep value with strong profitability (FNB). This is not investment advice; always conduct your own thorough research before making any investment decisions.

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FAQ: FNB vs GBCI