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Upturn AI SWOT - About
FNB 
F.N.B. Corp (FNB)
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Upturn Advisory Summary
06/30/2025: 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
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $16.56
Year Target Price $16.56
| 6 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.19% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.24B USD | Price to earnings Ratio 11.46 | 1Y Target Price 16.56 |
Price to earnings Ratio 11.46 | 1Y Target Price 16.56 | ||
Volume (30-day avg) 9 | Beta 0.94 | 52 Weeks Range 10.79 - 17.28 | Updated Date 06/30/2025 |
52 Weeks Range 10.79 - 17.28 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.30% | Basic EPS (TTM) 1.27 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.32% | Operating Margin (TTM) 39.61% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 7.41% |
Valuation
Trailing PE 11.46 | Forward PE 9.73 | Enterprise Value 7692183040 | Price to Sales(TTM) 3.45 |
Enterprise Value 7692183040 | Price to Sales(TTM) 3.45 | ||
Enterprise Value to Revenue 5.57 | Enterprise Value to EBITDA - | Shares Outstanding 359806016 | Shares Floating 354182608 |
Shares Outstanding 359806016 | Shares Floating 354182608 | ||
Percent Insiders 1.38 | Percent Institutions 82.8 |
Analyst Ratings
Rating 3 | Target Price 16.56 | Buy 3 | Strong Buy 6 |
Buy 3 | Strong Buy 6 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
F.N.B. Corp
Company Overview
History and Background
F.N.B. Corp, founded in 1864 as First National Bank of Mercer County, has grown through organic expansion and strategic acquisitions to become a diversified financial services company. It operates primarily in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, and Washington, D.C.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals, small businesses, and corporate clients, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers trust, investment management, and brokerage services to individuals, institutions, and corporations.
- Insurance: Provides a variety of insurance products and services.
Leadership and Structure
The leadership team is headed by Vincent J. Delie, Jr., as Chairman, President, and CEO. The organizational structure includes various business segments and corporate support functions, reporting to the CEO and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Lending: Offers loans to businesses of various sizes, including term loans, lines of credit, and commercial real estate financing. Market share data not publicly available. Competitors: PNC, KeyCorp, Huntington Bancshares.
- Retail Banking: Provides checking and savings accounts, mortgages, personal loans, and credit cards to individual customers. Market share data not publicly available. Competitors: PNC, Citizens Financial Group, Bank of America.
- Wealth Management: Offers investment advisory, trust services, and retirement planning to high-net-worth individuals and families. Market share data not publicly available. Competitors: BNY Mellon, Morgan Stanley, Raymond James.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased competition from fintech companies, and evolving regulatory landscape. Consolidation and technological advancements are key trends.
Positioning
F.N.B. Corp positions itself as a regional bank with a focus on customer service and community involvement. Its competitive advantages include a strong presence in its core markets and a diversified business model.
Total Addressable Market (TAM)
The total addressable market for banking services is substantial. F.N.B. Corp's TAM is primarily concentrated within its regional footprint. Its positioning is focused on capturing a larger share of this regional market.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Solid credit quality
- Commitment to community involvement
Weaknesses
- Limited national presence
- Reliance on traditional banking model
- Susceptibility to interest rate risk
- Higher operating expenses than some competitors
- Dependence on regional economic conditions
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growing wealth management business
- Enhanced customer relationship management
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- KEY
- HBAN
- RF
- CMA
Competitive Landscape
F.N.B. Corp faces competition from larger national banks and regional players. Its advantages include a strong regional presence and customer relationships, while disadvantages include limited scale and national brand recognition.
Major Acquisitions
Howard Bancorp
- Year: 2022
- Acquisition Price (USD millions): 418
- Strategic Rationale: Expanded F.N.B. Corp's footprint into the Baltimore, Maryland market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data must be from a verifiable source which is not available at this time.
Future Projections: Future projection data must be from a verifiable source which is not available at this time.
Recent Initiatives: Recent initiatives include expansion into new markets, investments in technology, and strategic acquisitions.
Summary
F.N.B. Corp is a regional bank with a strong presence in its core markets. It has diversified revenue streams and a solid credit quality, but faces competition from larger banks and is susceptible to interest rate risk. The bank is pursuing strategic initiatives to expand its footprint and enhance its digital capabilities, and must manage threats such as economic downturns and regulatory changes. F.N.B. Corp.'s strength lies in its regional focus and community involvement, but it should address its limited national presence and reliance on traditional banking.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
- MarketWatch
- SNL Financial
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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