Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
FNB Corporation (FNB)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$17.86-3.20%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
1.88 → 1.90 EPS · FY ending Dec 31, 2027 · 8 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 8 to 8; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for FNB yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Dividend per share at least $0.13 and $250 million buyback ongoing | The company raised dividends and started a $250 million buyback. | Intact | dividend falls below $0.12 or buyback program ends | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
FNB is a regional banking business with a measured, relationship-led growth profile rather than a high-growth story. Its long-term thesis is intact, with risk recently assessed as low, though execution quality is not uniformly strong.
The valuation evidence points to FNB being cheap versus peers, with pricing described as justified and low in fragility. The expectations gap is small, so the evidence does not suggest that unusually high expectations are embedded in the valuation.
Over the multi-year view, loan and deposit balances have grown, and recent results show some progress in revenue and net income. Near term, earnings were in line in October, but the record includes recent misses, and a guidance cut would be a meaningful risk. Lower interest rates could also weigh on the sector and FNB.
The thesis depends on continued organic growth in loans and deposits, alongside progress from the technology-focused model. A guidance cut or rate cuts would weaken the near-term setup, while continued earnings strength and higher guidance from sector bellwethers could support sector momentum. Recent capital returns are a new part of management’s stated priorities, but the evidence covers only one quarter.
For the next 1 to 3 years, FNB’s thesis rests on steady relationship-led growth and execution, with valuation described as cheap versus peers but the evidence on earnings quality mixed. The outlook is sensitive to guidance, interest rates, and broader financial-sector results. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Cash from operations improved to $151 million. |
| Intact |
| cash from operations falls below $100 million next 4 quarters |
Cash from operations: $0 FY2026-Q3; GAAP. Published target: >=150 million USD. Target period is not explicitly aligned with this observation. Oct 20, 20260 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Diluted EPS grows to at least $1.73 in FY 2026 | FNB grows earnings with net income rising to $137 million. | Broken | EPS falls below $1.56 in FY 2026 | Diluted EPS: $0.43 per share FY2026-Q3; GAAP. Published target: >=1.73 USD per share. Annual target cannot be compared with a quarterly or TTM observation. Nov 3, 20260.43 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$1.89 → $1.90 · observed estimates
$2.01B → $1.99B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $1.89 | $2,007,708,170 | 8 / 6 |
| 2026-07-25 | $1.89 | $2,007,708,170 | 8 / 6 |
| 2026-07-26 | $1.89 | $2,007,708,170 | 8 / 6 |
| 2026-07-27 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-07-28 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-07-29 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-07-30 | $1.89 | $2,007,708,170 | 8 / 6 |
| 2026-07-31 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-01 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-02 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-03 | $1.89 | $2,007,708,170 | 8 / 6 |
| 2026-08-04 | $1.89 | $2,007,708,170 | 8 / 6 |
| 2026-08-05 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-06 | $1.89 | $2,007,708,170 | 8 / 6 |
| 2026-08-07 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-08 | $1.89 | $2,007,708,170 | 8 / 6 |
| 2026-08-09 | $1.89 | $2,007,708,170 | 8 / 6 |
| 2026-08-10 | $1.89 | $2,007,708,170 | 8 / 6 |
| 2026-08-11 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-12 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-13 | $1.87 | $1,995,250,170 | 8 / 6 |
| 2026-08-14 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-15 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-16 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-17 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-18 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-19 | $1.88 | $2,007,630,433 | 7 / 5 |
| 2026-08-20 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-21 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-22 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-23 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-24 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-25 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-26 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-27 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-28 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-29 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-30 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-08-31 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-01 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-02 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-03 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-04 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-05 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-06 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-07 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-08 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-09 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-10 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-11 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-12 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-13 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-14 | $1.87 | $1,995,172,383 | 7 / 5 |
| 2026-09-15 | $1.87 | $1,989,552,918 | 7 / 5 |
| 2026-09-16 | $1.87 | $1,989,552,918 | 8 / 6 |
| 2026-09-17 | $1.87 | $1,989,552,918 | 8 / 6 |
| 2026-09-18 | $1.87 | $1,989,552,918 | 8 / 6 |
| 2026-09-19 | $1.87 | $1,989,552,918 | 8 / 6 |
| 2026-09-20 | $1.87 | $1,989,552,918 | 8 / 6 |
| 2026-09-21 | $1.87 | $1,989,552,918 | 8 / 6 |
| 2026-09-22 | $1.87 | $1,989,552,918 | 8 / 6 |
| 2026-09-23 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-09-24 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-09-25 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-09-26 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-09-27 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-09-28 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-09-29 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-09-30 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-10-01 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-10-02 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-10-03 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-10-04 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-10-05 | $1.88 | $1,992,458,346 | 8 / 6 |
| 2026-10-06 | $1.88 | $1,992,937,740 | 8 / 6 |
| 2026-10-07 | $1.88 | $1,992,937,740 | 8 / 6 |
| 2026-10-08 | $1.90 | $1,992,937,740 | 8 / 6 |
| 2026-10-09 | $1.90 | $1,992,937,740 | 8 / 6 |
| 2026-10-10 | $1.90 | $1,992,937,740 | 8 / 6 |
| 2026-10-11 | $1.89 | $1,990,080,597 | 8 / 6 |
| 2026-10-12 | $1.89 | $1,990,080,597 | 8 / 6 |
| 2026-10-13 | $1.89 | $1,990,080,597 | 8 / 6 |
| 2026-10-14 | $1.89 | $1,990,080,597 | 8 / 6 |
| 2026-10-15 | $1.89 | $1,990,080,597 | 8 / 6 |
| 2026-10-16 | $1.89 | $1,990,080,597 | 8 / 6 |
| 2026-10-17 | $1.89 | $1,990,080,597 | 8 / 6 |
| 2026-10-18 | $1.89 | $1,990,080,597 | 8 / 6 |
| 2026-10-19 | $1.89 | $1,990,080,597 | 8 / 6 |
| 2026-10-20 | $1.89 | $1,990,080,597 | 8 / 6 |
| 2026-10-21 | $1.90 | $1,992,168,776 | 8 / 6 |
| 2026-10-22 | $1.90 | $1,993,486,490 | 8 / 6 |
| 2026-10-23 | $1.90 | $1,993,486,490 | 8 / 6 |
| 2026-10-24 | $1.90 | $1,993,486,490 | 8 / 6 |
| 2026-10-25 | $1.90 | $1,993,486,490 | 8 / 6 |
| 2026-10-26 | $1.90 | $1,993,486,490 | 8 / 6 |
| 2026-10-27 | $1.90 | $1,993,486,490 | 8 / 6 |
| 2026-10-28 | $1.90 | $1,993,486,490 | 8 / 6 |
| 2026-10-29 | $1.90 | $1,993,486,490 | 8 / 6 |
| 2026-10-30 | $1.90 | $1,993,486,490 | 8 / 6 |
| 2026-10-31 | $1.90 | $1,993,486,490 | 8 / 6 |
| 2026-11-01 | $1.90 | $1,993,657,919 | 8 / 6 |
| 2026-11-02 | $1.90 | $1,993,657,919 | 8 / 6 |
| 2026-11-03 | $1.90 | $1,993,657,919 | 8 / 6 |
| 2026-11-04 | $1.90 | $1,993,657,919 | 8 / 6 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 7 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
0 raises · 0 cuts · 0 unchanged · 1 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.