# F.N.B. Corporation (FNB) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $18.67, market value $6.6 billion.

## Valuation
- **P/E (trailing): 11.1×** (5-yr avg 9.9×, 3-yr avg 10.5×). F.N.B. Corporation trades at 11.1× trailing earnings, close to its own five-year average of 9.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.44**. A PEG of 0.44 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 9.4%** (5-yr avg 12.9%). Free cash flow equals 9.4% of the market value, below its five-year average of 12.9%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.0%**. The inverse of the P/E: 9.0% of the price is earned each year.

## Profitability
- **Return on equity: 8.4%**. 8.4% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 22.8%** (3-yr 8.5%/yr, 5-yr 12.9%/yr). Earnings per share rose 22.8%.
- **Free-cash-flow growth (3 yr): -30.6%/yr**. Free cash flow has compounded at -30.6% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $2.5 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.79%** ($0.49 per share, trailing). F.N.B. Corporation yields 2.79%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 31%** (28% of free cash flow). 31% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 16**. 16 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 13.6%** (YTD 10.8%, 3-mo 5.5%). The shares are up 13.6% over twelve months including dividends.
- **From 52-week high: -4.7%** (29.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.88** (volatility 24%). Beta of 0.88 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FNB · Page: https://foliofundamentals.com/stocks/fnb

Not investment advice.