Strong momentum, three prior earnings beats, and an attractive 9.3 times forward earnings multiple are offset by near-zero remaining upside to the price target, an extremely elevated put/call ratio, and 11% short interest — making this a hold rather than a new entry at current prices.
Thesis pillars
- Attractive Valuation Low Peg↓Deteriorating
- Technical Breakout Momentum→Stable
- Earnings Beat Track Record↓Deteriorating
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 24, 2026
F.N.B. Corporation (FNB) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $18.13, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.1).
F.N.B. Corporation operates 355 Community Banking branches across seven states and the District of Columbia with $50 billion in total assets, $35 billion in loans, and $39 billion in deposits at December 31, 2025. Revenue comes from net interest income and fee income across... Read more
Hold if already holding. Not a fresh buy at $18.13, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.1). Chart setup: Golden cross, above all MAs, RSI 66, MACD bullish. Maintain position. Not compelling to add more. Score 5.5/10, moderate confidence.
Passes 6/9 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 82d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
About F.N.B. Corporation
About F.N.B. Corporation
F.N.B. Corporation reported $50 billion in total assets, $35 billion in loans, and $39 billion in deposits at December 31, 2025, operating 355 Community Banking branches across seven states and the District of Columbia through its primary subsidiary, FNBPA. The Wealth Management segment administered $14.9 billion in trust assets under administration, and the Insurance segment provides brokerage through FNIA. FNB was established in 1864, is headquartered in Pittsburgh, Pennsylvania, and is regulated by the FRB, OCC, and FDIC as a bank holding company and financial holding company.
F.N.B. Corporation earns the majority of revenue through net interest income from the Community Banking segment, which offers commercial banking (corporate banking, treasury management, small business banking, investment real estate financing, equipment financing), consumer banking (mortgage lending, consumer lending), and a suite of digital banking services including the proprietary eStore platform. Fee income comes from wealth management at FNTC, which provides trust administration and fiduciary services, from broker-dealer services through a third-party networking arrangement, and from insurance brokerage at FNIA. The loan portfolio is underwritten with explicit geographic, industry, product, and borrower diversification as policy objectives; no material portion of loans or deposits is concentrated in a single customer. FNB's geographic footprint spans major metropolitan markets including Pittsburgh, Baltimore, Cleveland, Washington D.C., Charlotte, Raleigh-Durham, and Charleston — a mid-Atlantic through Southeast corridor. The company competes for deposits and loans with commercial banks, savings banks, credit unions, mortgage companies, and fintech lenders across all its markets.
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F.N.B. Corporation is subject to concurrent oversight from the FRB as a bank holding company, the OCC as FNBPA's primary banking regulator, and the FDIC. The OCC limits dividends from FNBPA to FNB, and the FRB must be consulted before the company increases dividends or repurchases capital instruments. The 10-K notes that the OCC, FRB, and FDIC have signaled a desire to remove excessive regulatory, supervisory and examination burdens — a policy posture whose content and timing remain uncertain. Separately, a July 2023 interagency policy statement requires the company to maintain a contingency funding plan covering scenarios where uninsured deposit balances above FDIC insurance limits create elevated withdrawal risk during periods of market stress.
See also: Financial Services · Banks - Regional
From F.N.B. Corporation's most recent 10-K filing, extracted June 10, 2026.
Recent developments
updated 2026-10-29Recent Developments — F.N.B. Corporation
Latest news
- NEWS Home of the Hounds becomes F.N.B. Stadium - Pittsburgh Riverhounds SC — Pittsburgh Riverhounds SC neutral
- NEWS Earnings To Watch: F.N.B. Corporation (FNB) Reports Q2 Results Tomorrow - Yahoo Finance — Yahoo Finance neutral
- NEWS Earnings To Watch: F.N.B. Corporation (FNB) Reports Q2 Results Tomorrow - TradingView — TradingView neutral
- NEWS Earnings To Watch: F.N.B. Corporation (FNB) Reports Q2 Results Tomorrow - FinancialContent — FinancialContent neutral
- NEWS Seeking Clues to F.N.B. (FNB) Q3 Earnings? A Peek Into Wall Street Projections for Key Metrics - Yahoo Finance — Yahoo Finance neutral
Generated 2026-10-29T11:20:25Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Material Events(8-K, last 90d)
- 2026-05-19Item 5.02MEDIUMDavid B. Mitchell, II, Chief Wholesale Banking Officer of F.N.B. Corporation, announced retirement effective July 2, 2026. No successor named in the filing; no reason cited other than retirement.SEC filing →
- 2026-05-08Item 5.02LOWIndependent lead director William B. Campbell, a board member since 1975, retired from the F.N.B. Corporation Board effective May 6, 2026 after not standing for re-election at the Annual Meeting. No successor as lead director named.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $18.13, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.1). Chart setup: Golden cross, above all MAs, RSI 66, MACD bullish. Maintain position. Not compelling to add more. Analyst target $17.69 reached (−2.4%), stop $17.43 (−4.0%), A.R:R -0.3:1. Score 5.5/10, moderate confidence.
Analyst target $17.69 reached (−2.4% from $18.13); no take-profit level is published. Analyst target $17.69 reached (−2.4%), stop $17.43 (−4.0%), A.R:R -0.3:1. Stop-loss: $17.43.
Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.1); Weak growth.
F.N.B. Corporation trades at a P/E of 10.7 (forward 9.6). TrendMatrix value score: 7.9/10. Verdict: Hold.
13 analysts cover FNB with a consensus score of 3.9/5. Average price target: $20.
What does F.N.B. Corporation do?F.N.B. Corporation operates 355 Community Banking branches across seven states and the District of Columbia with $50...
F.N.B. Corporation operates 355 Community Banking branches across seven states and the District of Columbia with $50 billion in total assets, $35 billion in loans, and $39 billion in deposits at December 31, 2025. Revenue comes from net interest income and fee income across Community Banking, Wealth Management ($14.9 billion in trust AUA), and Insurance segments through subsidiary FNBPA.