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Upturn AI Summary - About
F.N.B. Corp(FNB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FNB
10/19/2026: FNB (2-star) is currently NOT-A-BUY. Pass it for now.
F.N.B. Corporation is a well-established regional financial services firm with a diversified business model spanning commercial banking, wealth management, and insurance. The company has demonstrated consistent execution through a disciplined acquisition strategy and the successful deployment of its eStore digital platform. Its primary growth opportunity lies in further penetrating high-growth Southern markets and cross-selling integrated financial services to existing commercial clients. However, investors must monitor risks related to regional economic shifts, competition from larger institutions, and interest rate volatility. FNB presents as a stable, dividend-paying stock that may suit income-focused investors looking for steady, moderate growth in the regional banking sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | FNB offers moderate growth through acquisition rather than rapid, disruptive expansion. |
| Momentum investor | Mixed fit | Momentum plays depend on broader financial sector sentiment and market-wide upturns. |
| Value investor | Strong fit | The stock often trades at reasonable valuation multiples relative to regional peers. |
| Dividend investor | Strong fit | FNB maintains a consistent dividend policy attractive to income-focused investors. |
| Low-risk investor | Mixed fit | While established, regional banking involves inherent risks related to economic cycles and regulation. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and macro economic shifts. |
| Valuation risk | Low | The company historically maintains moderate valuation multiples. |
| Competition risk (banking) | Medium / high | Competition from large national banks and fintechs limits pricing power. |
| Business quality | Medium | The franchise is stable and well-integrated within its regional footprint. |
| Dividend income | Low / none | FNB has a reliable track record of paying and maintaining dividends. |
| Execution risk | Medium | Successful integration of future acquisitions remains key to growth. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 17.33% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.08B USD | Price to earnings Ratio 10.32 | 1Y Target Price 20.56 |
Price to earnings Ratio 10.32 | 1Y Target Price 20.56 | ||
Volume (30-day avg) 5.1M shares | Beta 0.89 | 52 Weeks Range 14.77 - 19.45 | Updated Date 10/18/2026 |
52 Weeks Range 14.77 - 19.45 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 2.86% | Basic EPS (TTM) 1.67 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core profit driver, dependent on loan volume and interest rate spreads. |
| Fee-Based Income | Wealth management fees, insurance commissions, and service charges. | Provides non-interest revenue, helping to cushion the bank against interest rate volatility. |
Earnings Date
Report Date 2026-10-19 | When After Market | Estimate 0.43 | Actual - |
Profitability
Profit Margin 34.62% | Operating Margin (TTM) 44.67% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 9.04% |
Valuation
Trailing PE 10.32 | Forward PE 9.73 | Enterprise Value 8.79B | Price to Sales(TTM) 3.49 |
Enterprise Value 8.79B | Price to Sales(TTM) 3.49 | ||
Enterprise Value to Revenue 5.72 | Enterprise Value to EBITDA - | Shares Outstanding 353.00M | Shares Floating 346.67M |
Shares Outstanding 353.00M | Shares Floating 346.67M | ||
Percent Insiders 1.51 | Percent Institutions 94.77 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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