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what it is
F.N.B. is a regional bank that takes deposits, makes loans, manages money, and sells insurance across 350 branches.
how it gets paid
Last year F.N.B made $2.3B in revenue. Commercial banking was the main engine at $1.25B, or 54% of sales.
why it's growing
Revenue grew 3.3% last year. $0.41 matters most because it is the most consistent recent per-share figure across the company release and consensus snapshot.
what just happened
F.N.B.'s cleanest recent earnings number is $0.41 in quarterly EPS, but revenue and EPS figures conflict across sources.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
75/100 earnings predictability — reasonably predictable
12.5x trailing p/e — the market's not buying it — or you found a deal
3.0% dividend yield — cash in your pocket every quarter
$1.27 fy2024 eps est
xvary composite: 76/100 — average
What they do
F.N.B. is a regional bank that takes deposits, makes loans, manages money, and sells insurance across 350 branches.
This is a scale story inside a boring business. F.N.B. has 350 branches and $38 billion of deposits, which means your checking account, mortgage, and small-business loan can all stay in one place. That stickiness helps fund $34 billion of loans, while digital banking adds convenience so leaving feels like work.
How they make money
$2.3B
annual revenue · their business grew +3.3% last year
Commercial banking
$1.25B
Consumer banking
$0.47B
Wealth management
$0.35B
Insurance
$0.23B
The products that matter
business lending and treasury services
Commercial Banking
core loan engine
This is the heart of the balance sheet. Average loans landed at $33.83B last quarter after falling by $220M. For this stock, that number matters more than any polished earnings adjective.
loan growth matters most
deposits, cards, and personal lending
Consumer Banking
funding base
Regional banks win by keeping deposits sticky and funding costs manageable. FNB still produced $168.7M in quarterly net income, which tells you the deposit base is doing its job even if loan demand needs help.
deposit stickiness
asset management and insurance
Wealth Management
$600M non-interest income pool
Fee businesses matter because they do not depend entirely on loan spreads. The issue is scale. Non-interest income was $600M and flat, so diversification exists, but it is not yet driving the story.
diversifier
Key numbers
$38B
deposits
Deposits are bank fuel. In plain English, this is the customer money F.N.B. uses to fund loans and keep earnings moving.
$34B
loan book
Loans are where the bank makes money, but they are also where pain shows up first if the economy weakens.
12.5x
trailing p/e
Valuation → what you pay for each dollar of profit → so what: F.N.B. is priced like a steady bank, not a high-growth story.
3.0%
dividend yield
Yield → annual cash payout on your share price → so what: you are getting paid to wait, but not enough to ignore bank risk.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 1 — safer than 95% of stocks
- price stability 70 / 100
- long-term debt $3.1B (35% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for FNB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
F.N.B.'s cleanest recent earnings number is $0.41 in quarterly EPS, but revenue and EPS figures conflict across sources.
Yahoo Finance shows last earnings at $0.41 per share, matching the company's October 2025 release. EDGAR summary data can show a latest quarter with $1.7B of revenue and $1.09 EPS, which does not line up with the same bank's quarterly EPS history—treat conflicting feeds as a period-definition problem until you reconcile the filing.
~$575M
revenue (q)
$0.41
eps (Q)
$2.3B
revenue (FY)
the number that mattered
$0.41 matters most because it is the most consistent recent per-share figure across the company release and consensus snapshot.
source: company earnings report, 2026
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What could go wrong
FNB's problem is not mysterious. The bank just printed stronger earnings while average loans fell by $220M. If that keeps happening, the low multiple stops looking cheap and starts looking accurate.
high
loan portfolio contraction
Average loans and leases fell to $33.83B from $34.05B, a $220M decline. For a bank with $1.7B of net interest income, shrinking earning assets is the wrong kind of efficiency story.
a continued decline directly pressures the 74% of revenue shown here that comes from net interest income
med
regional concentration cuts both ways
You own a bank concentrated across PA, OH, MD, DC, VA, NC, and SC. If those markets weaken together, today's 0.48% non-performing loan ratio stops looking comfortably low.
credit costs would rise before revenue has time to adjust
med
fee income stays a side character
Non-interest income was $600M and flat. That means the bank still depends heavily on spread income rather than having a faster-growing fee stream to offset slower lending.
flat fee income leaves earnings more exposed to rate and loan-volume swings
low
expense discipline hides demand softness
Management helped earnings with tighter costs. That's useful. The risk is that investors confuse better efficiency with better franchise momentum if loan balances keep drifting lower.
the multiple stays stuck if growth keeps coming from cuts instead of expansion
What would change our mind: average loans recovering from $33.83B while non-interest income does more than sit flat at $600M. If neither happens, the cheap multiple is probably telling the truth.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings date
Q1 2026 earnings report
Expected around April 15, 2026. The headline EPS number matters less than whether average loans recover from $33.83B.
metric
average loan balance
Last reading: $33.83B versus $34.05B previously. One more decline and the contraction story stops looking temporary.
trend
net interest income follow-through
Net interest income grew 3.3%. If that keeps rising while loans shrink, pricing or margin is doing the work. If it stalls too, the bull case gets thinner fast.
risk
credit quality drift
Non-performing loans are 0.48% today. That's a healthy number. In regional banking, healthy can turn into important quickly when local demand weakens.
Analyst rankings
earnings predictability
75 / 100
in human-speak, analysts see a fairly steady bank, not a serial surprise machine.
risk rank
1
This scores as safer than 95% of stocks in the dataset. That's a stability point, not a growth point.
source: institutional data
Institutional activity
institutional ownership data for FNB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$17
current price
n/a
target midpoint · n/a from current
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