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Upturn AI SWOT - About
FNB 
F.N.B. Corp (FNB)
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Upturn Advisory Summary
08/08/2025: FNB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $18.56
1 Year Target Price $18.56
| 6 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.85% | Avg. Invested days 39 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/08/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.37B USD | Price to earnings Ratio 11.58 | 1Y Target Price 18.56 |
Price to earnings Ratio 11.58 | 1Y Target Price 18.56 | ||
Volume (30-day avg) 9 | Beta 0.96 | 52 Weeks Range 10.79 - 17.28 | Updated Date 08/9/2025 |
52 Weeks Range 10.79 - 17.28 | Updated Date 08/9/2025 | ||
Dividends yield (FY) 3.25% | Basic EPS (TTM) 1.29 |
Earnings Date
Report Date 2025-07-17 | When After Market | Estimate 0.34 | Actual 0.36 |
Profitability
Profit Margin 30.21% | Operating Margin (TTM) 42.36% |
Management Effectiveness
Return on Assets (TTM) 0.96% | Return on Equity (TTM) 7.4% |
Valuation
Trailing PE 11.58 | Forward PE 9.73 | Enterprise Value 7893604352 | Price to Sales(TTM) 3.47 |
Enterprise Value 7893604352 | Price to Sales(TTM) 3.47 | ||
Enterprise Value to Revenue 5.51 | Enterprise Value to EBITDA - | Shares Outstanding 359123008 | Shares Floating 353519327 |
Shares Outstanding 359123008 | Shares Floating 353519327 | ||
Percent Insiders 1.38 | Percent Institutions 82.72 |
Upturn AI SWOT
F.N.B. Corp
Company Overview
History and Background
F.N.B. Corp (FNB) traces its roots back to 1864 with the founding of the First National Bank of Greenville, PA. Through organic growth and strategic acquisitions, it has evolved into a diversified financial services company operating across multiple states.
Core Business Areas
- Community Banking: Offers a range of banking products and services to individuals, small businesses, and commercial customers, including deposit accounts, loans, and treasury management services.
- Insurance: Provides a range of insurance products through FNB Insurance Agency.
- Wealth Management: Offers investment management, trust, and retirement planning services to individuals and institutions.
Leadership and Structure
F.N.B. Corp is led by Vincent J. Delie, Jr., Chairman, President, and CEO. The organizational structure includes various departments overseeing banking operations, risk management, finance, and technology, reporting to the CEO and Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Lending: Includes commercial real estate loans, business term loans, and lines of credit. Market share data is not readily available as FNB competes in a fragmented market. Competitors include PNC, KeyCorp, and regional banks.
- Mortgage Lending: Offers a variety of mortgage products for home purchases and refinancing. Market share data is not readily available at the product level. Competitors include national mortgage lenders and other regional banks.
- Retail Banking: Deposit accounts, personal loans and credit cards for individual consumers. Market share data is not readily available at the product level. Competitors include national banks like Chase and Wells Fargo, as well as other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from both traditional banks and fintech companies. Consolidation is also a continuing trend.
Positioning
F.N.B. Corp positions itself as a community-focused bank with a strong regional presence. Its competitive advantages include its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in FNB's geographic footprint is estimated in the hundreds of billions of dollars. FNB is positioned to continue growing its market share, especially in newer regions where its presence is not yet mature.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Solid capital position
- Experienced management team
Weaknesses
- Geographic concentration
- Exposure to interest rate risk
- Smaller scale compared to national banks
Opportunities
- Acquisitions and expansion into new markets
- Increased digital banking adoption
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- PNC
- KEY
- CFG
Competitive Landscape
F.N.B. Corp competes with larger national banks and smaller regional banks. Its advantage lies in its strong local presence and customer relationships, while its disadvantages include its smaller scale and geographic concentration.
Major Acquisitions
Howard Bancorp
- Year: 2022
- Acquisition Price (USD millions): 418
- Strategic Rationale: Expanded FNB's presence in the Baltimore-Washington, D.C. region.
Growth Trajectory and Initiatives
Historical Growth: F.N.B. Corp has experienced growth through acquisitions and organic expansion.
Future Projections: Future growth projections would be based on analyst estimates, considering market conditions and company strategies.
Recent Initiatives: Recent strategic initiatives may include digital transformation efforts, branch optimization, and expansion into new markets.
Summary
F.N.B. Corp is a regionally strong bank with a diversified business model and a history of growth through acquisitions. Its strengths include its local market expertise and customer relationships. Potential challenges include competition from larger banks and fintech companies, as well as sensitivity to economic conditions and interest rate fluctuations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- F.N.B. Corp Investor Relations
- SEC Filings
- Analyst Reports
- Company Press Releases
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data may vary depending on the source and methodology used. Financial data is subject to change and should be verified with official sources.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About F.N.B. Corp
Exchange NYSE | Headquaters Pittsburgh, PA, United States | ||
IPO Launch date 1993-03-04 | Chairman, President & CEO Mr. Vincent J. Delie Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 4104 | Website https://www.fnb-online.com |
Full time employees 4104 | Website https://www.fnb-online.com | ||
F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. It provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. The company was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.
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