FNB Corporation (FNB)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$17.86-3.20%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · FNB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -5.7% |
| Our one-year growth estimate | diamond | -12.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 6.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
FNB — earnings in line
Dated 2026-10-20
RESULTS OF OPERATIONS AND FINANCIAL CONDITION On October 19, 2026 , F.N.B. Corporation announced financial results for the quarter ended September 30, 2026. A copy of the press release announcing our results for the quarter ended September 30, 2026 is attached hereto as Exhibit 99.1 and incorporated by reference herein.
Why it matters: FNB repurchased $51 million of shares in Q3 and raised its dividend in April. More repurchases would show it keeps returning capital.
Supportive ifA new filing or earnings release reports another share repurchase. The quarter’s total is at least $35 million.
Worry ifA quarter passes with no reported share repurchases, or FNB suspends or cuts its dividend.
Why it matters: Q3 net charge-offs were low at 0.12% of average loans. A sharp rise could signal weaker loan quality.
Worry ifNet charge-offs rise above 0.25% of average loans in a quarter.
Less concerning ifNet charge-offs stay at or below 0.19%, and non-performing loans stay at or below 0.33%.
Why it matters: A higher margin helped lift net interest income. A drop could weaken this source of earnings growth.
Watch forNet interest margin (FTE) is above 3.29% in the next quarter.
Also watch forNet interest margin (FTE) falls below 3.25% in the next quarter.
Why it matters: Mortgage banking income fell 39.4% year over year as sale margins tightened. A recovery would ease pressure on fee income.
Supportive ifMortgage banking income rises from its Q3 2026 level of about $5.5 million in a later quarter.
Worry ifMortgage banking income stays at or below about $5.5 million for two more quarters.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$84 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $208 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,575 loss on $10,000 · 15.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.