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F.N.B. Corporation (FNB) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $17.15, but acceptable to hold if already in. Reasons: Thin upside margin: 4.8%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.0).

F.N.B. Corporation is a financial holding company headquartered in Pittsburgh, PA with $50B in assets, $35B in loans, and $39B in deposits, operating 355 Community Banking branches across PA, OH, MD, WV, NC, SC, DC, and VA. It provides commercial and consumer banking through... Read more

$17.15+4.7% A.UpsideScore 6.0/10#68 of 142 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield3.01%(5y avg 3.60%)Payout29.63%sustainable
Stop $16.47Target $17.94(analyst − 13%)A.R:R 0.9:1
Analyst target$20.63+20.3%8 analysts
$17.94our TP
$17.15price
$20.63mean
$21

Hold if already holding. Not a fresh buy at $17.15, but acceptable to hold if already in. Reasons: Thin upside margin: 4.8%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.0). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 58d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Recent Developments — F.N.B. Corporation

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Thin upside margin: 4.8%
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.0)

Key Metrics

P/E (TTM)10.6
P/E (Fwd)8.8
Mkt Cap$6.1B
EV/EBITDA
Profit Mgn34.1%
ROE8.9%
Rev Growth9.6%
Beta0.89
Dividend3.01%
Rating analysts12

Quality Signals

Piotroski F6/9

Options Flow

P/C0.83neutral
IV47%normal

Material Events(8-K, last 90d)

  • 2026-05-08Item 5.02LOW
    William B. Campbell (independent lead director since 1975) retired from Board effective May 6, 2026 after not standing for re-election at the Annual Meeting. No disagreement cited.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R 0.9 < 1.5@spotMomentum 4.6<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.6>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 58d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
43 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $16.98Resistance $18.34

Price Targets

$16
$18
A.Upside+4.6%
A.R:R0.9:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Reward/Risk 0.9:1 at current price — below 1.5:1 minimum

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-16 (58d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FNB stock a buy right now?

Hold if already holding. Not a fresh buy at $17.15, but acceptable to hold if already in. Reasons: Thin upside margin: 4.8%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.0). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $17.94 (+4.6%), stop $16.47 (−4.1%), A.R:R 0.9:1. Score 6.0/10, moderate confidence.

What is the FNB stock price target?

Take-profit target: $17.94 (+4.7% upside). Target $17.94 (+4.6%), stop $16.47 (−4.1%), A.R:R 0.9:1. Stop-loss: $16.47.

What are the risks of investing in FNB?

Thin upside margin: 4.8%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.0).

Is FNB overvalued or undervalued?

F.N.B. Corporation trades at a P/E of 10.6 (forward 8.8). TrendMatrix value score: 8.3/10. Verdict: Hold.

What do analysts say about FNB?

12 analysts cover FNB with a consensus score of 4.2/5. Average price target: $21.

What does F.N.B. Corporation do?F.N.B. Corporation is a financial holding company headquartered in Pittsburgh, PA with $50B in assets, $35B in loans,...

F.N.B. Corporation is a financial holding company headquartered in Pittsburgh, PA with $50B in assets, $35B in loans, and $39B in deposits, operating 355 Community Banking branches across PA, OH, MD, WV, NC, SC, DC, and VA. It provides commercial and consumer banking through FNBPA, plus Wealth Management ($14.9B trust assets under administration) and Insurance segments.

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