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Upturn AI SWOT - About
FNB 
F.N.B. Corp (FNB)
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Upturn Advisory Summary
10/30/2025: FNB (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $18.64
1 Year Target Price $18.64
| 6 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.6% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.55B USD | Price to earnings Ratio 11.06 | 1Y Target Price 18.64 |
Price to earnings Ratio 11.06 | 1Y Target Price 18.64 | ||
Volume (30-day avg) 9 | Beta 0.96 | 52 Weeks Range 10.71 - 17.16 | Updated Date 10/29/2025 |
52 Weeks Range 10.71 - 17.16 | Updated Date 10/29/2025 | ||
Dividends yield (FY) 3.07% | Basic EPS (TTM) 1.4 |
Earnings Date
Report Date 2025-10-16 | When After Market | Estimate 0.37 | Actual 0.41 |
Profitability
Profit Margin 31.84% | Operating Margin (TTM) 45.28% |
Management Effectiveness
Return on Assets (TTM) 1.04% | Return on Equity (TTM) 7.86% |
Valuation
Trailing PE 11.06 | Forward PE 9.73 | Enterprise Value 7142336000 | Price to Sales(TTM) 3.49 |
Enterprise Value 7142336000 | Price to Sales(TTM) 3.49 | ||
Enterprise Value to Revenue 5.8 | Enterprise Value to EBITDA - | Shares Outstanding 358381940 | Shares Floating 352733841 |
Shares Outstanding 358381940 | Shares Floating 352733841 | ||
Percent Insiders 1.39 | Percent Institutions 85.17 |
Upturn AI SWOT
F.N.B. Corp
Company Overview
History and Background
F.N.B. Corp. was founded in 1864 as First National Bank of Mercer County. It has grown through acquisitions and organic expansion, becoming a regional financial services company.
Core Business Areas
- Community Banking: Offers a range of deposit, lending, and investment products and services to individuals, small businesses, and corporate clients.
- Commercial Banking: Provides commercial lending, treasury management, and capital markets services to mid-sized and large corporations.
- Wealth Management: Offers investment management, trust, and estate planning services to high-net-worth individuals and families.
- Insurance: Provides commercial and personal insurance products and services.
Leadership and Structure
Vincent J. Delie, Jr. serves as the Chairman, President, and CEO. The company operates with a decentralized structure, allowing for regional autonomy while maintaining corporate oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial lending is a major revenue driver. FNB competes with other regional and national banks for market share. Competitors include PNC, KeyCorp, and Huntington Bancshares.
- Market Share (%): 0
- Market Share (%): 0
- Mortgages: Mortgage products are offered to retail clients. Competitors include large national banks and mortgage specialists. No specific market share data available.
- Deposit Accounts: Checking, savings, and money market accounts. Competitors include online banks, credit unions, and other regional and national banks. No specific market share data available.
- Market Share (%): 0
- Market Share (%): 0
- Wealth Management Services: Investment management, trust, and estate planning services. Competitors include national firms such as UBS, Morgan Stanley and local firms. No specific market share data available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, heightened regulatory scrutiny, and growing competition from fintech companies. Economic uncertainty is also a factor.
Positioning
F.N.B. Corp. is positioned as a regional bank focused on building relationships with customers in its core markets. Its competitive advantages include its strong local presence and commitment to customer service.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. F.N.B. Corp is positioned to continue to grow its market share within its operational footprint.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Solid capital position
Weaknesses
- Limited geographic reach compared to larger banks
- Sensitivity to interest rate fluctuations
- Dependence on traditional banking model
- Cybersecurity vulnerabilities
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC
- KEY
- HBAN
Competitive Landscape
F.N.B. Corp competes with larger national banks and regional players. It aims to differentiate itself through customer service and local market knowledge. It competes with other regional banks for market share.
Major Acquisitions
Howard Bancorp
- Year: 2022
- Acquisition Price (USD millions): 418
- Strategic Rationale: Expanded F.N.B. Corp's presence in the Baltimore/Washington, D.C. market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires financial data, available from SEC filings.
Future Projections: Future projections are based on analyst estimates and require a financial data provider.
Recent Initiatives: F.N.B. Corp. has been focused on organic growth and acquisitions to expand its market presence. They have also invested in digital banking technologies.
Summary
F.N.B. Corp is a solid regional bank that is strategically looking to expand its footprint. The company's strong local presence and commitment to customer service are working well for them, however, they need to watch out for increased competition from fintech companies and regulatory changes, and cyber security risk.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC filings (10-K, 10-Q), Company website, Analyst reports (FactSet, Bloomberg).
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data may not be publicly available and therefore cannot be added above.
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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