FNB Corporation (FNB)
Financials · Regional Banks · NYSE
F.N.B. Corporation is a regional financial services institution providing comprehensive commercial and consumer banking, wealth management, and capital market solutions.
What FNB Corporation does
F.N.B. Corporation is a diversified financial services company providing commercial and consumer banking, wealth management, and insurance services through its primary subsidiary, First National Bank of Pennsylvania. The company operates a network of branches primarily across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, and the District of Columbia. Its business activities include deposit taking, residential and commercial lending, trust services, and capital markets solutions.
Themes: regional banking, wealth management, commercial lending, consumer finance, financial services
Fundamentals
- Price$18.53 as of 2026-08-21 close
- Market cap$6.5B as of 2026-08-21
- 1-year return+17.0% 2025-08-21 close $15.84 → 2026-08-21 close $18.53
- P/E11.31 as of 2026-08-24
- Net margin+34.8% as of 2026-08-24
- ROE+8.9% as of 2026-08-24
- Debt / equity0.23 as of 2026-08-24
- Beta0.90 as of 2026-08-24
- Last reported earnings2026-07-17 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.1%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How FNB compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
FNB is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no growth data.
Short-term score
40.6 #1368 of 1,704 scored · #240 of 277 in Financials
Momentum 49th: near the bottom of its 14-day range (oversold); trend 44th: a "golden cross" — its 50-day average is above its 200-day; weakest is volume and participation 32nd: trading volume is about normal versus its 30-day average.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, FNB's dividend was covered by reported results (earnings payout 31%, free-cash-flow payout 46%). This describes past coverage, not a forecast.
- Earnings payout31% dividends / net income
- Free-cash-flow payout46% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How FNB Corporation looks technically
FNB Corporation (FNB) is trading 5.3% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 268 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 16, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It made a new 20-day low about 2 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 5.3% above its 200-day average, the long-term trend line — a longer-term uptrend | +5.3% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $18.92 | $18.92 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $17.60 | $17.60 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 17 calendar days ago — the swings before that are what the structure reading is measured on | 17 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 19.5. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 268 trading days ago — a "golden cross", a bullish long-term signal | 268 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 16, below the 25 that marks a real trend) | 15.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30) | 40.4 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($18.43 to $19.56) — its "stochastic" reading is 9 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 8.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $19.59 | $19.59 |
|---|---|---|
| From the 52-week high | it is 5.4% below its 52-week high (its highest price of the past year) | -5.4% |
| Above the 52-week low | it is 28.1% above its 52-week low (its lowest price of the past year) | +28.1% |
| Below the 52-week high | it is 5.4% below its highest point of the past year | 5.4% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day high about 27 trading days ago | 27 sessions |
| All-time high | its highest closing price on record is $21.00 (set on 2005-07-22) | $21.00 |
| Given back of the 52-week move | over the past year its closes ranged ($14.65 to $19.49), and it has given back roughly a quarter of its rise from last year’s low — 20% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $16.34 to $16.50. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 19.8% |
| From the all-time high | it is 11.8% below its all-time high | -11.8% |
| Nearest price level | it is trading 1.1% above a support level at $18.33 — a price it turned at five times since 2026-01-22, most recently on 2026-07-20. Since 2024-08-21 it has 12 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.1% |
| All-time low | its lowest closing price on record is $5.05 (set on 2020-03-19) | $5.05 |
| Above the all-time low | it is 266.9% above its all-time low | +266.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 71% of it) | 29th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3364 between its high and its low — about 1.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.3364 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $18.50 and $19.60 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $18.50 – $19.05 – $19.60 |
| Typical daily range (% of price) | its price moves about 1.8% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 1.8% |
| Stretch from the 200-day average | it is trading 2.8 daily ranges above its 200-day average price (5.3% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.53× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|---|---|
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.8% |
|---|---|---|
| Open gap | it gapped 2.7% above the previous close 48 sessions ago and has not traded back through the level it left behind at 17.71 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.6% |
| Gap filled | a 3.5% gap down opened on 2026-07-17 has been "filled" 13 sessions ago — price traded back through the level the gap left behind, and it took 12 sessions to close | 13 sessions ago |
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 5.3 percentage points (the stock lost 2.9% while the market gained 2.3%) | -5.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 2.9 percentage points (the stock gained 6.0% while the market gained 3.1%) | +2.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 10.0 percentage points (the stock gained 1.1% while the market gained 11.1%) | -10.0% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 3.5 percentage points (the stock gained 17.0% while the market gained 20.5%) | -3.5% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is thin, spanning 1.9% of the share price, which is taken to mean a barrier that gives way easily. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 4% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $17.75 — a volume-weighted average of daily closes over 156 sessions, not a true tick-by-tick VWAP. | +4.4% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-17 (its 8-K), so the typical buyer over that stretch is under water. That average is $19.04 — a volume-weighted average of daily closes over 26 sessions, not a true tick-by-tick VWAP. | -2.7% |
Price levels it has turned at before
FNB last closed at $18.53 on 2026-08-21. Since 2024-08-21 it has turned at 12 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $18.33 | Support | 1.1% below the last close | turned there five times · 2026-01-22 to 2026-07-20 |
| $17.82 | Support | 3.8% below the last close | turned there four times · 2024-11-25 to 2026-05-26 |
| $19.42 | Resistance | 4.8% above the last close | turned there five times · 2026-02-09 to 2026-08-04 |
| $17.39 | Support | 6.1% below the last close | turned there twice · 2026-04-16 to 2026-04-30 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $19.50.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · MACD just crossed bearish (12/26/9) · trendless / choppy (low ADX) · lagging the market · Least volatile (2% or less typical daily range) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.63 mean, 1=Strong Buy…5=Strong Sell) — 8 analysts
- Mean price target$21.06 range $19.00 – $22.00; median $21.00
Analyst estimates, as of 2026-08-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FNB
- Consensus EPS estimate$0.4325 next reporting period, as of 2026-08-21
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Exposure to credit risk and loan defaults within its loan and lease portfolio.","Sensitivity to changes in interest rates impacting net interest income and the fair value of investment securities.","Reliance on the economic performance of its geographic operating footprint."]
What changed in the latest 10-Q
AI-assisted comparison of FNB's 10-Q filed 2026-05-06 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to 2025 Annual Report on Form 10-K filed February 24, 2026 (newer filing, filed 2026-05-06)
- Added phrase 'U.S. federal government shutdowns' (plural) and 'the unpredictability of monetary, tax and other policies of government agencies, including tariffs or the imposition and enforceability of tariffs' (newer filing, filed 2026-05-06)
- Added phrase 'including in the Middle East' to international conflict risk factor (newer filing, filed 2026-05-06)
- Added phrase 'disruption of supply chain and energy supply markets and capital markets, changes to inflation expectations and other related uncertainties' to economic conditions risk factor (newer filing, filed 2026-05-06)
- Removed:
- Removed reference to 2024 Annual Report on Form 10-K filed February 27, 2025 (older filing, filed 2025-11-05)
- Removed phrase 'the U.S. federal government shutdown' (singular) (older filing, filed 2025-11-05)
- Removed phrase 'the imposition of new tariffs' (older filing, filed 2025-11-05)
- Removed phrase 'or threats of such actions' following tariffs clause (older filing, filed 2025-11-05)
- Reworded:
- Changed period scope from 'nine-month periods ended September 30, 2025 and 2024' to 'three-month periods ended March 31, 2026 and 2025' (newer filing, filed 2026-05-06)
- Changed 'the U.S. federal government shutdown' (singular) to 'U.S. federal government shutdowns' (plural) in interest rate risk factor (newer filing, filed 2026-05-06)
- Changed 'the imposition of new tariffs' to 'the imposition and enforceability of tariffs' (newer filing, filed 2026-05-06)
- Reorganized international conflict risk factor from standalone bullet point to expanded economic conditions bullet point including Middle East reference and supply chain/energy/capital markets language (newer filing, filed 2026-05-06)
- Notes:
- Both filings appear truncated at the end, cutting off mid-sentence in the cautionary statement section
- Page numbers differ (53 in newer, 59 in older) suggesting different document lengths overall
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 1 sell ($78038) — 1 selling insider
- Last 90 days0 buys · 2 sells ($430108) — 2 selling insiders
- Last 180 days0 buys · 2 sells ($430108) — 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-06. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FNB's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Congressional trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 2 matched disclosures for FNB from U.S. House Clerk Periodic Transaction Report filings.
Congressional trading disclosures →Institutional ownership (13F)
6 institutional 13F filers reported holding FNB as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 6
- Reported shares held 90,023,332
- Reported value $1,505,190,108
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 4 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
FNB had 26,405,146 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
FNB had 7.48% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.78 days to cover at the same settlement.
- Reported short interest (shares) 26,405,146
- Short interest (% of shares outstanding) 7.48%
- Prior settlement (shares) 31,165,236
- Reported change -15.27%
- Days to cover (reported) 3.78
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- PNC Financial Services Group (PNC)
- M&T Bank (MTB)
- Huntington Bancshares (HBAN)
- KeyCorp (KEY)
- Fifth Third Bancorp (FITB)
- Citizens Financial Group (CFG)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does FNB Corporation (FNB) do?
F.N.B. Corporation is a diversified financial services company providing commercial and consumer banking, wealth management, and insurance services through its primary subsidiary, First National Bank of Pennsylvania. The company operates a network of branches primarily across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, and the District of Columbia.
What sector is FNB Corporation (FNB) in?
FNB Corporation (FNB) is classified in the Financials sector. Its industry is Regional Banks. It trades on NYSE.
Does FNB pay a dividend?
Yes — FNB Corporation (FNB) pays a dividend, with an indicated yield of about 4.08% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are FNB Corporation's (FNB) competitors?
Notable peers of FNB Corporation (FNB) include PNC Financial Services Group, M&T Bank, Huntington Bancshares, KeyCorp and Fifth Third Bancorp. This peer set is informational only — not financial advice.
Has there been recent Congressional stock trading in FNB?
Yes — we hold 2 matched STOCK Act disclosures for FNB from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is FNB Corporation (FNB) overbought or oversold right now?
FNB Corporation (FNB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 40, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FNB come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.