-1.98%
4.84%
6.07%
8.69%
18.58%
16.87%
29.24%
AI Spotlight on FNB
Company Description
F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses.The company operates through three segments: Community Banking, Wealth Management, and Insurance.It offers commercial banking solutions, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services.
The company also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services; and wealth management services comprising personal and corporate fiduciary services comprising administration of decedent and trust estates; securities brokerage and investment advisory services, mutual funds, and annuities; and commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses.As of December 31, 2021, it operated 334 banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia.F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.
Market Data
| Last Price | 15.38 |
| Change Percentage | -1.98% |
| Open | 15.21 |
| Previous Close | 15.69 |
| Market Cap ( Millions) | 5530 |
| Volume | 1531340 |
| Year High | 17.7 |
| Year Low | 12.49 |
| M A 50 | 15.68 |
| M A 200 | 14.51 |
Financial Ratios
| FCF Yield | 3.80% |
| Dividend Yield | 3.12% |
| ROE | 4.59% |
| Debt / Equity | 12.09% |
| Net Debt / EBIDTA | 299.49% |
| Price To Book | 0.33 |
| Price Earnings Ratio | 13.69 |
| Price To FCF | 26.32 |
| Price To sales | 2.48 |
| EV / EBITDA | 18.9 |
News
- Jan -30 - F.N.B. Corporation Declares Cash Dividend of $0.12 on Common Stock
- Jan -23 - F.N.B. Corp Q4 Earnings Beat on Higher NII & Fee Income, Stock Dips
- Jan -22 - F.N.B. Corporation (FNB) Q4 2024 Earnings Call Transcript
- Jan -22 - F.N.B. (FNB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
- Jan -22 - F.N.B. (FNB) Q4 Earnings Top Estimates
- Jan -22 - F.N.B. Corporation Reports Fourth Quarter and Full Year 2024 Earnings
- Jan -16 - Unlocking Q4 Potential of F.N.B. (FNB): Exploring Wall Street Estimates for Key Metrics
- Jan -06 - F.N.B. Corporation Schedules Fourth Quarter 2024 Earnings Report and Conference Call
- Dec -16 - Newly Opened FNB Financial Center Certified LEED Gold
- Dec -05 - Vincent J. Delie, Jr. Named CEO of the Year
- Dec -04 - F.N.B. Corporation Prices $500 Million Senior Notes Offering
- Nov -12 - F.N.B. Corporation Declares Cash Dividend of $0.12 on Common Stock
- Oct -31 - Kelly Trombetta Joins First National Bank as Chief Operational Risk Officer
- Oct -21 - F.N.B. Corp Q3 Earnings Lag on Lower NII & Higher Costs, Stock Dips (Revised)
- Oct -18 - F.N.B. Corporation (FNB) Q3 2024 Earnings Call Transcript
- Oct -18 - F.N.B. Corp Q3 Earnings Miss on Lower NII & Expense Hike, Stock Dips
- Oct -17 - F.N.B. (FNB) Reports Q3 Earnings: What Key Metrics Have to Say
- Oct -17 - F.N.B. (FNB) Q3 Earnings Lag Estimates
- Oct -17 - F.N.B. Corporation Reports Third Quarter 2024 Earnings
- Oct -17 - How To Earn $500 A Month From FNB Corp. Stock Ahead Of Q3 Earnings Results
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Community Banking
Expected Growth : 8.5 %
What the company do ?
Community Banking from F.N.B. Corporation offers personalized banking services, including loans, deposit accounts, and online banking, to individuals and small businesses.
Why we expect these perspectives ?
F.N.B. Corporation's Community Banking segment growth of 8.5% is driven by strategic branch expansion, increased commercial lending, and deposit growth. Additionally, investments in digital banking platforms and customer relationship management tools have enhanced customer experience, leading to increased market share and revenue growth.
Segment n°2 -> Wealth Management
Expected Growth : 7.5 %
What the company do ?
F.N.B. Corporation's Wealth Management provides investment, trust, and estate services to individuals, families, and institutions, helping them achieve their financial goals.
Why we expect these perspectives ?
F.N.B. Corporation's 7.5% growth in Wealth Management is driven by strategic acquisitions, expanded investment product offerings, and a growing client base. Additionally, the company's focus on digital transformation, enhanced customer experience, and a strong advisory team have contributed to the segment's growth.
Segment n°3 -> Parent and Other
Expected Growth : 6.0 %
What the company do ?
Parent refers to F.N.B. Corporation itself, while Other includes subsidiaries and affiliates that operate under the corporation's umbrella.
Why we expect these perspectives ?
F.N.B. Corporation's 6.0% growth in Parent and Other segments is driven by strategic acquisitions, expansion of commercial lending, and increased fee income from treasury management and capital markets services. Additionally, cost savings initiatives and a favorable interest rate environment contribute to the growth.
Segment n°4 -> Insurance
Expected Growth : 10.5 %
What the company do ?
F.N.B. Corporation's insurance offers a range of personal and commercial insurance products, including auto, home, life, and business insurance, providing financial protection and security to individuals and businesses.
Why we expect these perspectives ?
F.N.B. Corporation's 10.5% insurance growth driven by strategic acquisitions, expansion into new markets, and increased demand for commercial and personal insurance products. Additionally, investments in digital platforms and data analytics have enhanced customer experience, retention, and cross-selling opportunities, contributing to the segment's growth.
F.N.B. Corporation Products
| Product Range | What is it ? |
|---|---|
| Consumer Banking | Provides personal banking services, including checking and savings accounts, credit cards, loans, and investment services |
| Commercial Banking | Offers a range of commercial banking services, including cash management, treasury management, and commercial lending |
| Wealth Management | Provides investment management, trust services, and wealth planning to individuals, families, and institutions |
| Insurance | Offers a range of insurance products, including life insurance, disability insurance, and long-term care insurance |
| Mortgage Banking | Provides mortgage lending services, including residential and commercial mortgage loans |
| Capital Markets | Provides investment banking, equity and fixed income sales and trading, and research services |
F.N.B. Corporation's Porter Forces
Threat Of Substitutes
F.N.B. Corporation operates in the banking industry, where customers have various alternatives for their financial needs. However, the company's diversified product offerings and strong brand presence mitigate the threat of substitutes.
Bargaining Power Of Customers
F.N.B. Corporation's customers have some bargaining power due to the availability of alternative banking services. However, the company's large customer base and diversified revenue streams reduce the bargaining power of individual customers.
Bargaining Power Of Suppliers
F.N.B. Corporation's suppliers, such as technology providers and vendors, have limited bargaining power due to the company's large scale and diversified operations.
Threat Of New Entrants
The banking industry has high barriers to entry, including regulatory hurdles and capital requirements. This limits the threat of new entrants and provides F.N.B. Corporation with a relatively stable competitive landscape.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players competing for market share. F.N.B. Corporation faces intense rivalry from other regional banks and larger national banks.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 42.53% |
| Debt Cost | 4.33% |
| Equity Weight | 57.47% |
| Equity Cost | 9.09% |
| WACC | 7.07% |
| Leverage | 74.00% |
F.N.B. Corporation : Quality Control
F.N.B. Corporation passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CMA | Comerica Incorporated, through its subsidiaries, provides various financial products and services. It operates through Commercial Bank, Retail Bank, Wealth Management, and Finance segments. The Commercial Bank segment offers various products … |
| KEY | KeyCorp operates as the holding company for KeyBank National Association that provides various retail and commercial banking products and services in the United States. It operates in two segments, Consumer … |
| FHN | First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. The company operates through three segments: Regional Banking, Specialty Banking, and Corporate. … |
| RF | Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The … |
| ZION | Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
Regions Financial
A-Score
1-Year Total Return ->
🥈
First Horizon
A-Score
1-Year Total Return ->
🥉
Comerica
A-Score
1-Year Total Return ->
4
FNB
A-Score
1-Year Total Return ->
5
Zions Bank
A-Score
1-Year Total Return ->
6
