FNB
Financial ServicesF.N.B. Corporation · Banks - Regional · $6B
What is F.N.B. Corporation?
F.N.B. Corporation is a Pittsburgh-based financial holding company serving consumers, businesses, and governments across the Mid-Atlantic and Southeast. It operates through community banking, wealth management, and insurance segments, making it a diversified regional financial services provider.
FNB generates revenue primarily through traditional banking activities — accepting deposits and extending loans to individuals, small businesses, and corporations. Its community banking segment anchors the business, while wealth management adds fee-based income through fiduciary services, brokerage, and investment advisory. The insurance segment rounds out the offering with commercial and personal coverage. The company operates hundreds of banking offices across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington D.C., and Virginia.
F.N.B. Corporation traces its roots to 1864 and is headquartered in Pittsburgh, Pennsylvania.
- Commercial and small business banking loans and credit solutions
- Consumer deposit products, mortgage lending, and digital banking
- Personal and corporate fiduciary and trust services
- Securities brokerage, investment advisory, and annuities
- Commercial and personal insurance and reinsurance products
Is FNB a Good Stock to Buy?
UQS Score rates FNB as Below Average overall, reflecting meaningful headwinds across several key dimensions.
The Quality pillar stands out as the relative bright spot, suggesting FNB maintains a reasonably managed balance sheet and operational discipline compared to its overall profile. The Valuation pillar registers as Attractive, meaning the stock may be priced below what its fundamentals would typically command — a potential point of interest for value-oriented investors.
The Moat, Growth, and Risk pillars all register as Weak, indicating limited competitive differentiation, below-average growth prospects, and elevated risk factors relative to peers in the financial services sector.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does FNB pay dividends?
Yes — F.N.B. Corporation pays a dividend.
FNB pays a regular dividend, consistent with the income-oriented tradition of regional banks. The dividend reflects the company's ability to return capital to shareholders from its banking operations. Investors seeking income from financial sector holdings often look to established regional banks like FNB, though dividend sustainability depends on ongoing earnings performance and regulatory capital requirements.
When does FNB report earnings?
F.N.B. Corporation reports earnings on a quarterly cadence, typical for US-listed financial holding companies.
FNB's earnings profile reflects the pressures common to regional banks — interest rate sensitivity, credit quality trends, and fee income variability. The Growth and Risk pillar ratings suggest recent results have faced headwinds rather than tailwinds.
For the most recent quarter's results and guidance, visit F.N.B. Corporation's investor relations page directly.
FNB Price History
+56.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in F.N.B. Corporation?
Based on F.N.B. Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
FNB Long-term Outlook
FNB's fundamental outlook is shaped by Weak Growth and Weak Risk pillar ratings, pointing to a challenging near-term trajectory. Regional banks in its footprint face pressure from credit normalization and competition for deposits. The Attractive Valuation label suggests the market may already be pricing in these concerns, which could limit downside — but the path to meaningful improvement depends on strengthening its competitive position and managing credit risk effectively.
Growth drivers
- Geographic expansion across Mid-Atlantic and Southeast banking markets
- Fee income diversification through wealth management and insurance segments
- Digital banking adoption driving lower-cost deposit retention
Key risks
- Weak Moat rating signals limited pricing power versus larger regional and national banks
- Elevated Risk pillar reflects credit quality and interest rate sensitivity concerns
- Slow growth environment may compress net interest margins further
FNB vs Peers
FNB competes with other regional and community-focused banks across its Mid-Atlantic and Southeast footprint.
Glacier Bancorp focuses on community banking across the Mountain West, giving it a distinct geographic footprint with less overlap with FNB's Mid-Atlantic markets.
United Bankshares operates heavily in the Mid-Atlantic region, making it one of FNB's more direct geographic competitors with a similar community banking model.
Flagstar brings a larger mortgage and specialty lending focus, differentiating it from FNB's broader community banking and insurance mix.
Frequently Asked Questions
What does F.N.B. Corporation do?
F.N.B. Corporation is a financial holding company that provides banking, wealth management, and insurance services. It serves consumers, small and mid-sized businesses, corporations, and governments through hundreds of offices across the Mid-Atlantic and Southeast United States.
Does FNB pay dividends?
Yes, FNB pays a regular dividend. Regional banks like FNB have historically returned capital to shareholders through dividends, funded by net interest income and fee-based revenue. Investors should monitor earnings trends and regulatory capital levels when evaluating dividend sustainability.
When does FNB report earnings?
F.N.B. Corporation reports earnings on a quarterly cadence, as is standard for US-listed bank holding companies. For the most current earnings dates and recent results, check F.N.B. Corporation's official investor relations page.
Is FNB a good stock to buy?
UQS Score rates FNB as Below Average overall. While the Valuation pillar is Attractive and Quality registers as Good, the Moat, Growth, and Risk pillars are all Weak. Whether FNB fits a portfolio depends on an investor's risk tolerance and income objectives. View the full pillar breakdown on UQS Pro.
Is FNB overvalued?
The UQS Valuation pillar for FNB is rated Attractive, suggesting the stock is not considered overvalued relative to its fundamentals. This may reflect the market pricing in the weaker Growth and Risk profiles. Full valuation metrics are available to UQS Pro members.
How does FNB compare to its competitors?
FNB competes with regional banks including Glacier Bancorp, United Bankshares, and Flagstar Financial. Each competitor has a distinct geographic focus or business mix. UQS Pro members can view side-by-side UQS Score comparisons across all five pillars for these peers.
What is FNB's market cap bracket?
FNB is classified as a mid-cap company. This places it in a tier that is larger than most community banks but smaller than the major national banking institutions, which influences its liquidity profile and analyst coverage.
Who founded F.N.B. Corporation?
F.N.B. Corporation's origins date to 1864, making it one of the longer-standing banking institutions in the United States. Detailed founding history is publicly available through the company's official corporate history and investor relations materials.
Is FNB a long-term quality investment?
As a long-term quality indicator, FNB's UQS profile presents a mixed picture. The Good Quality pillar suggests reasonable operational management, but Weak Moat and Weak Growth ratings indicate the company may face structural challenges sustaining competitive advantages over time. Pro members can access the complete analysis.
What is the main competitive advantage of F.N.B. Corporation?
FNB's primary competitive advantage lies in its established community banking relationships and multi-state footprint across the Mid-Atlantic and Southeast. However, the UQS Moat pillar rates as Weak, suggesting this advantage may not be strongly differentiated relative to regional banking peers.
What sector does FNB belong to?
FNB operates in the Financial Services sector, specifically within regional banking and diversified financial services. Its three segments — Community Banking, Wealth Management, and Insurance — reflect a broader service model than a pure-play community bank.
Is FNB a growth stock or value stock?
Based on UQS pillar ratings, FNB leans toward the value side of the spectrum. The Growth pillar is rated Weak while the Valuation pillar is Attractive, suggesting the stock is priced modestly relative to its current fundamentals rather than for high future growth expectations.
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Pro Analysis
FNB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 49.0 | 71.9 | 23.0 | 38.6 | 29.7 | 87.1 | 0.0 |
| May 21, 2026 | 49.0 | 72.0 | 23.0 | 38.6 | 29.7 | 86.9 | -0.1 |
| May 16, 2026 | 49.1 | 72.6 | 23.0 | 38.6 | 29.7 | 87.0 | +5.3 |
| May 9, 2026 | 43.8 | 72.4 | 23.0 | 17.0 | 29.7 | 80.5 | -3.7 |
| May 7, 2026 | 47.5 | 67.5 | 23.0 | 38.6 | 29.7 | 84.9 | -0.1 |
| May 3, 2026 | 47.6 | 67.5 | 23.0 | 38.6 | 29.7 | 85.1 | 0.0 |
| Apr 26, 2026 | 47.6 | 67.5 | 23.0 | 38.6 | 29.7 | 85.2 | +0.1 |
| Apr 25, 2026 | 47.5 | 67.5 | 23.0 | 38.6 | 29.7 | 85.0 | -0.2 |
| Apr 23, 2026 | 47.7 | 67.3 | 23.0 | 38.6 | 29.7 | 86.6 | 0.0 |
| Apr 21, 2026 | 47.7 | 67.1 | 23.0 | 38.6 | 29.7 | 86.5 | +0.1 |
FNB — Pillar Breakdown
Quality
— 72.0/100 (25%)F.N.B. Corporation shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 38.6/100 (20%)F.N.B. Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 29.7/100 (15%)F.N.B. Corporation presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 87.0/100 (15%)F.N.B. Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 23/100 (25%)F.N.B. Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FNB.
Score Composition
Financial Data
More Stock Analysis
How is the FNB UQS Score Calculated?
The UQS (Unified Quality Score) for F.N.B. Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses F.N.B. Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether F.N.B. Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.