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Upturn AI SWOT - About
FNB 
F.N.B. Corp (FNB)
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Upturn Advisory Summary
09/17/2025: FNB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $18.56
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 6.74% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.76B USD | Price to earnings Ratio 12.43 | 1Y Target Price 18.56 |
Price to earnings Ratio 12.43 | 1Y Target Price 18.56 | ||
Volume (30-day avg) 9 | Beta 1 | 52 Weeks Range 10.71 - 17.16 | Updated Date 09/17/2025 |
52 Weeks Range 10.71 - 17.16 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 2.96% | Basic EPS (TTM) 1.29 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 12.43 | Forward PE 9.73 | Enterprise Value 8285070336 | Price to Sales(TTM) 3.72 |
Enterprise Value 8285070336 | Price to Sales(TTM) 3.72 | ||
Enterprise Value to Revenue 5.79 | Enterprise Value to EBITDA - | Shares Outstanding 359144000 | Shares Floating 353526509 |
Shares Outstanding 359144000 | Shares Floating 353526509 | ||
Percent Insiders 1.38 | Percent Institutions 84.77 |
Upturn AI SWOT
F.N.B. Corp
Company Overview
History and Background
F.N.B. Corporation was founded in 1864 as the First National Bank of Greenville, Pennsylvania. It has grown through acquisitions and organic expansion to become a diversified financial services company.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and wealth management services.
- Commercial Banking: Delivers lending, treasury management, and other financial services to commercial clients.
- Insurance: Offers a full line of commercial and retail insurance.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
Vincent J. Delie, Jr. serves as the Chairman, President, and CEO. The company operates under a traditional corporate structure with various departments and regional leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes. Market share data is not publicly available. Competitors include PNC, KeyCorp, and regional banks.
- Residential Mortgages: Originate and service for residential home buying. FNB does not specify this market share. Competitors include Rocket mortgage and local banks.
- Deposit Accounts: Offers checking, savings, and money market accounts. Specific market share data is not available. Competitors include PNC, Citizens, and online banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by fluctuating interest rates, increasing regulatory scrutiny, and growing competition from fintech companies. Consolidation and technological advancements are shaping the landscape.
Positioning
F.N.B. Corp positions itself as a regional bank focused on providing personalized service and community support. Its competitive advantages include its established branch network and diversified product offerings.
Total Addressable Market (TAM)
The TAM for banking services is estimated to be in the trillions of dollars. F.N.B. Corp is positioned to capture a portion of this market through its regional focus and diverse services.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Solid capital base
Weaknesses
- Limited national presence
- Dependence on interest rate environment
- Exposure to regional economic conditions
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking solutions
- Growing demand for wealth management services
- Increasing interest rates
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- PNC
- KEY
- CMA
- HBAN
Competitive Landscape
F.N.B. Corp faces competition from larger national banks, regional banks, and fintech companies. Its advantages include its strong regional presence and personalized service.
Major Acquisitions
Howard Bancorp
- Year: 2022
- Acquisition Price (USD millions): 418
- Strategic Rationale: Expanded F.N.B. Corp's presence in the Baltimore-Washington metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: F.N.B. Corp has grown through acquisitions and organic expansion. Its growth rate has varied depending on economic conditions and strategic initiatives.
Future Projections: Analyst estimates for F.N.B. Corp's future growth are available from financial research firms.
Recent Initiatives: F.N.B. Corp has recently focused on expanding its digital banking capabilities and acquiring other financial institutions.
Summary
F.N.B. Corp is a regional bank with a diversified business model, which is a strength. The company is strategically growing through acquisitions. However, it remains susceptible to interest rate fluctuations and regional economic conditions. Fintech competition poses a growing threat, but digital initiatives offset this.
Peer Comparison
Sources and Disclaimers
Data Sources:
- F.N.B. Corp SEC filings
- Financial research reports
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
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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