F.N.B. Corporation
F.N.B. Corporation Fundamental Analysis
F.N.B. Corporation (FNB) shows strong financial fundamentals with a PE ratio of 11.59, profit margin of 20.97%, and ROE of 8.58%. The company generates $2.7B in annual revenue with strong year-over-year growth of 15.31%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 59.3/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FNB's fundamental strength across five key dimensions:
Efficiency Score
WeakFNB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFNB trades at attractive valuation levels.
Growth Score
ModerateFNB shows steady but slowing expansion.
Financial Health Score
ExcellentFNB maintains a strong and stable balance sheet.
Profitability Score
ModerateFNB maintains healthy but balanced margins.
Key Financial Metrics
Is FNB Expensive or Cheap?
P/E Ratio
FNB trades at 11.59 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FNB's PEG of 0.95 indicates potential undervaluation.
Price to Book
The market values F.N.B. Corporation at 0.97 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.05 times EBITDA. This is generally considered low.
How Well Does FNB Make Money?
Net Profit Margin
For every $100 in sales, F.N.B. Corporation keeps $20.97 as profit after all expenses.
Operating Margin
Core operations generate 24.83 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.58 in profit for every $100 of shareholder equity.
ROA
F.N.B. Corporation generates $1.13 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
F.N.B. Corporation produces operating cash flow of $353.03M, showing steady but balanced cash generation.
Free Cash Flow
F.N.B. Corporation generates strong free cash flow of $276.24M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.77 in free cash annually.
FCF Yield
FNB converts 4.22% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.59
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.95
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.97
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.42
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.58
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.007
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How FNB Stacks Against Its Sector Peers
| Metric | FNB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.59 | 18.86 | Better (Cheaper) |
| ROE | 8.58% | 847.00% | Weak |
| Net Margin | 20.97% | 4202.00% | Weak |
| Debt/Equity | 0.58 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 1.01 | 667.17 | Neutral |
| ROA | 1.13% | -21543.00% (disorted) | Weak |
FNB outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews F.N.B. Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
49.89%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
8.00%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
145.17%
Industry Style: Value, Dividend, Cyclical
High Growth