FNB Corp

FNB Corp maintains a conservative capital structure with total assets of $50.23 billion and total equity of $6.76 billion. The debt-to-equity ratio stands at 0.28, indicating low leverage relative to equity. Liquidity is supported by $2.50 billion in cash and equivalents, while operating cash flow generated $482 million against capital expenditures of $106 million. The risk assessment flags liquidity risk as low, consistent with the strong cash position and modest debt load.

Profitability metrics show a return on equity (ROE) of 8.93% and a return on assets (ROA) of 1.2%. The company trades at a price-to-earnings ratio of 10.43 and a price-to-book ratio of 0.93, suggesting valuation near book value. Net income for the latest period was $565 million. Without specific cohort median data provided in the input, direct comparative analysis against sector peers is omitted, but the ROE and ROA figures provide a baseline for internal efficiency assessment.

Segment and geographic revenue mix data is not present in the available input, preventing detailed analysis of revenue concentration or regional exposure. The company’s activity is broadly classified as Banks, implying a diversified mix of commercial and retail banking services typical of the industry.

Historical revenue and net income trends are not provided in the input data, so growth trajectory analysis cannot be performed. The current financial snapshot reflects a single period’s performance without year-over-year or quarterly trend context.

Risk assessment indicates low liquidity risk and low dilution risk, with no immediate filing-based flags detected. The shares outstanding basic and diluted counts are identical at 361.95 million, suggesting no significant options or convertible securities impacting dilution in the current period.

Recent news observations include a technical failure in analysis re-drive processes, which is an internal system event and not a business-operational risk. Analyst estimates show a mean price target of $20.94 and a median of $21.00, with a mean recommendation of 2.00 (Buy) based on 1 strong buy, 6 buy, and 1 hold rating.

Net income surged 21.5% year-over-year to $565 million, demonstrating strong profitability growth momentum.

Free cash flow jumped 66.7% to $375 million, indicating significantly improved cash generation capabilities.

Return on equity of 8.9% exceeds the bank cohort median of 6.2%, highlighting superior capital efficiency.

The stock trades at 0.93x tangible book value, offering a discount to intrinsic book value for investors.

Low liquidity and dilution risks provide a stable financial foundation with minimal downside pressure from capital structure.

Long-term debt increased to $1.93 billion in FY2025, rising significantly from $1.38 billion the prior year.

Revenue declined 2.8% year-over-year in FY2025 to $1.28 billion, signaling a recent growth slowdown.

Return on assets of 1.2% remains relatively low, suggesting limited efficiency in asset utilization compared to peers.

Cash conversion ratio of 0.80 trails the bank cohort median of 1.13, indicating weaker cash generation relative to earnings.

Revenue $365.7M, +5,1% YoY; Net income +14,4% YoY.

• ▍Revenue $365.7M, +5,1% YoY
• ▍Net income +14,4% YoY
• ▍Net margin 40.7%

Revenue $359.0M, +11,2% YoY; Net income +17,1% YoY.

• ▍Revenue $359.0M, +11,2% YoY
• ▍Net income +17,1% YoY
• ▍Free cash flow +41,4% YoY
• ▍Net margin 38.2%

Revenue $366.0M, +13,7% YoY; Net income +52,7% YoY.

• ▍Revenue $366.0M, +13,7% YoY
• ▍Net income +52,7% YoY
• ▍Free cash flow +156,9% YoY
• ▍Net margin 45.9%

Revenue $359.0M, +11,2% YoY; Net income +36,4% YoY.

• ▍Revenue $359.0M, +11,2% YoY
• ▍Net income +36,4% YoY
• ▍Free cash flow +107,8% YoY
• ▍Net margin 41.8%

Revenue $348.0M; Net margin 37.4%.

• ▍Revenue $348.0M
• ▍Net margin 37.4%

Revenue $323.0M; Net margin 36.2%.

• ▍Revenue $323.0M
• ▍Net margin 36.2%

Revenue $322.0M; Net margin 34.2%.

• ▍Revenue $322.0M
• ▍Net margin 34.2%

Revenue $323.0M; Net margin 34.1%.

• ▍Revenue $323.0M
• ▍Net margin 34.1%

Revenue $1.40B, +9,1% YoY; Net income +21,5% YoY.

• ▍Revenue $1.40B, +9,1% YoY
• ▍Net income +21,5% YoY
• ▍Free cash flow +66,7% YoY
• ▍Net margin 40.5%

Revenue $1.28B, −2,8% YoY; Net income −4,1% YoY.

• ▍Revenue $1.28B, −2,8% YoY
• ▍Net income −4,1% YoY
• ▍Free cash flow −21,1% YoY
• ▍Net margin 36.3%

Revenue $1.32B, +17,6% YoY; Net income +10,5% YoY.

• ▍Revenue $1.32B, +17,6% YoY
• ▍Net income +10,5% YoY
• ▍Free cash flow +23,9% YoY
• ▍Net margin 36.8%

Revenue $1.12B, +23,5% YoY; Net income +8,4% YoY.

• ▍Revenue $1.12B, +23,5% YoY
• ▍Net income +8,4% YoY
• ▍Free cash flow −1,3% YoY
• ▍Net margin 39.2%