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Pittsburgh regional bank holding company operating across the Mid-Atlantic, Appalachia and Southeast US.
Pittsburgh regional bank holding company operating across the Mid-Atlantic, Appalachia and Southeast US.
Earns the gap between interest on loans and the cost of deposits, plus fees from wealth management, insurance and cards, with a footprint that extends from Pennsylvania down the coast to the Carolinas. Growth has come in large part from buying banks, such as Howard Bancorp in Maryland.
Moat: narrow (scale, distribution). Multi-state branch franchise built through acquisitions across the Mid-Atlantic and Southeast.
Headquarters: Pittsburgh, Pennsylvania, USA · Founded: 1864 · Employees: 4,205
Size F.N.B (FNB) is a United States Financials company (Major Banks) with a market value of $6.28B, the 1029th largest of 3,117 United States companies the cockpit tracks. Shares closed at $17.90 on 6 Nov 2026.
Performance Over six months the shares was unchanged, against +5.4% for the median peer and -1.1% for the United States market (cap-weighted) — 8th lowest of 21 in its peer set.
Growth Revenue grew 2.0% over the last twelve months (peer median +9.1%); the operating margin is 39.2% (peer median 35.6%).
Valuation It trades at 0.92× book value against a peer median of 1.08× (5th cheapest of 21).
Price implies The share price implies a return on equity of about 8.9%; F.N.B delivers 9.0%, so the price asks less than the business earns today.
Credit F.N.B has 1 bond outstanding ($500M), rated BBB- by the agencies.
Short interest Short interest is 6.4% of the free float (15 Oct 2026).
Next results Next results expected around 20 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $2.69B | $2.70B | $2.56B | $2.23B | $1.61B |
| Revenue growth | — | +5% | +15% | +39% | — |
| Net income | $608M | $565M | $465M | $485M | $439M |
| Free cash flow | $763M | $459M | $567M | $378M | $926M |
| Capital expenditure | $105M | $106M | $139M | $88.0M | $95.0M |
| Total debt | $5.09B | $4.19B | $4.55B | $4.72B | $2.63B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| F.N.B FNB | $6.28B | 0% | +2% | 9% | 0.92× | 8.9% |
| Truist Financial TFC | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% |
| PNC Financial Services PNC | $89.4B | +4% | +8% | 13% | 1.59× | 13.2% |
| Old National Bancorp ONB | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | FNB | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.6% | +0.4% | 6th highest of 21 |
| 6-month return | 0.0% | +5.4% | 8th lowest of 21 |
| Return on equity | 9.0% | 10.0% | 7th lowest of 21 |
| Price / book | 0.92× | 1.08× | 5th cheapest of 21 |
| Trailing P/E | 10.6× | 11.2× | 9th cheapest of 21 |
| ROE the price implies | 8.9% | 10.6% | 8th least demanding of 20 |
| ROE delivered | 9.0% | 10.0% | 7th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| F.N.B FNB | United States | $6.28B | 0% | +2% | 9% | 0.92× | 8.9% | 9.0% |
| Indian Overseas Bank IOB.NS | India | $6.23B | -13% | +14% | 18% | 1.46× | 17.2% | 17.9% |
| RBL Bank RBLBANK.NS | India | $6.21B | +10% | +9% | 4% | 1.35× | 23.1% | 4.0% |
| Bank of East Asia 0023.HK | Hong Kong | $6.03B | +27% | -9% | 3% | 0.44× | 5.2% | 3.2% |
| Bank of India BANKINDIA.NS | India | $6.68B | -1% | +9% | 14% | 0.67× | 12.5% | 14.1% |
| Yes Bank YESBANK.NS | India | $5.72B | -24% | +5% | 8% | 1.01× | 15.3% | 8.2% |
| Associated Banc-Corp ASB | United States | $5.64B | +6% | +23% | 10% | 1.07× | 9.3% | 10.2% |
| Bank of Maharashtra MAHABANK.NS | India | $7.08B | +2% | +17% | 23% | 1.79× | 26.2% | 23.3% |
| Lion Finance BGEO.L | United Kingdom | $7.39B | +20% | +19% | 27% | 1.89× | 21.1% | 27.3% |
| Grupo Aval Acciones y Valores SA Sponsored ADR Pfd AVAL | United States | $5.29B | -5% | +15% | 11% | 0.95× | 7.8% | 10.8% |
| Credito Emiliano CE.MI | Italy | $7.48B | +26% | -2% | 12% | 1.41× | 13.1% | 12.3% |
| IndusInd Bank INDUSINDBK.NS | India | $7.48B | -4% | -2% | 5% | 1.04× | 17.8% | 4.5% |
| Axos Financial AX | United States | $5.26B | +7% | +18% | 17% | 1.60× | 16.5% | 16.7% |
| St.Galler Kantonalbank SGKN.SW | Switzerland | $5.22B | +19% | -13% | 8% | 1.37× | n/a | 7.6% |
| Mebuki Financial 7167.T | Japan | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% | 9.2% |
| Bank of Chongqing 601963.SS | China | $5.13B | +7% | +5% | 10% | 0.65× | 3.0% | 9.8% |
| Valley National Bancorp VLY | United States | $7.75B | +5% | +3% | 9% | 1.03× | 10.6% | 9.4% |
| Fukuoka Financial 8354.T | Japan | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% | 8.7% |
| BOK Financial BOKF | United States | $7.87B | -2% | +3% | 11% | 1.33× | 10.6% | 11.2% |
| Huishang Bank 3698.HK | Hong Kong | $8.31B | -8% | +1% | 11% | 0.36× | 3.8% | 10.7% |
| 77 Bank 8341.T | Japan | $4.66B | +7% | +21% | 9% | 0.95× | 5.9% | 9.4% |
F.N.B has 1 bond outstanding with $500M face value. The agencies rate it BBB-.