FNB Corporation (FNB)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$18.67+1.08%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
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 recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -14.7% |
| Our one-year growth estimate | diamond | -11.1% |
Growth built into the price is above our model estimate.
The price assumes 3.6 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
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.
Model as of 2026-09-04 · Compared with 219 industry peers
FNB — earnings in line
Dated 2026-07-17
RESULTS OF OPERATIONS AND FINANCIAL CONDITION On July 16, 2026 , F.N.B. Corporation announced financial results for the quarter ended June 30, 2026. A copy of the press release announcing our results for the quarter ended June 30, 2026 is attached hereto as Exhibit 99.1 and incorporated by reference herein.
Why it matters: Continued growth in net income is critical for FNB's long-term strategy.
Supportive ifNet income for Q2 2026 exceeds $137 million, showing strong performance.
Worry ifNet income for Q2 2026 is under $137 million. This may show some problems.
Why it matters: Strong loan growth shows FNB is doing well. It helps net income grow.
Supportive ifLoans and leases go up more than 7% from the last quarter.
Worry ifLoans and leases grow less than 5% from the last quarter.
Why it matters: Changes in leadership can affect company plans and how well it does.
Watch forNew leadership is appointed and aligns with company goals.
Also watch forChanges in leadership can create uncertainty. They may also cause problems with strategy.
Why it matters: A drop in sector revenue growth could signal broader challenges for FNB.
Worry ifSector revenue growth is below the median of 13% in upcoming reports.
Less concerning ifSector revenue growth remains above the median of 13%.
Why it matters: A steady or rising net interest margin shows good management of assets and costs.
Supportive ifNet interest margin stays above 3.25% for two quarters in a row.
Worry ifNet interest margin drops below 3.20% for two quarters in a row.
Why it matters: Higher dividends would show strong cash flow and a promise to return value to shareholders.
Supportive ifAnnouncement of a dividend increase above $0.13 per share in Q3 2026.
Worry ifNo dividend increase announced in Q3 2026.
Why it matters: Strong net income growth shows the company is executing its growth strategy well. This supports investor confidence.
Supportive ifNet income for Q3 2026 is reported above $153.6 million, which is a 10% increase YoY.
Worry ifNet income for Q3 2026 is below $135.2 million. This shows weaker performance.
Why it matters: A drop below 11% may show weaker capital strength. This can hurt growth and investor trust.
Worry ifCET1 ratio falls below 11% in the next quarter.
Less concerning ifCET1 ratio remains at or above 11% in the next quarter.
Why it matters: This program could signal strong capital management and support share price.
Supportive ifFNB repurchases at least $100 million of shares under the new program.
Worry ifFNB is not buying back many shares. This shows weaker use of capital.
Why it matters: Weak loan growth could signal reduced demand and impact future earnings.
Worry ifLoan growth below 2% compared to Q1 2026.
Less concerning ifLoan growth of 2% or more compared to Q1 2026.
Why it matters: Improving cash flow shows FNB is enhancing its operations and financial health.
Supportive ifCash from operations goes up by more than 10% from Q1.
Worry ifCash from operating activities drops or stays flat compared to Q1.
Why it matters: A big change might show shifts in lending or deposit plans.
Watch forThe loan-to-deposit ratio is over 90.5%. This means lending is strong.
Also watch forThe loan-to-deposit ratio is under 90%. This may mean there are liquidity issues.
Why it matters: More cash flow means better financial health. It helps with future investments.
Supportive ifCash from operating activities exceeds $151M in Q2.
Worry ifCash from operating activities drops below $151M in Q2.
Why it matters: Slow growth in non-interest income may mean problems with revenue variety.
Worry ifQ3 non-interest income growth below 5% compared to Q2 2026.
Less concerning ifNon-interest income growth is over 5% compared to Q2 2026.
Why it matters: A steady or rising dividend shows good cash flow. It also shows management's confidence.
Supportive ifThe quarterly dividend stays at $0.13 or goes up in the next announcement.
Worry ifThe quarterly dividend drops from $0.13 in the next announcement.
Why it matters: A higher payout ratio may mean less money for growth and investment.
Worry ifDividend payout ratio is above 31%.
Less concerning ifDividend payout ratio is below 31%.
Why it matters: Slower growth in net interest income could signal challenges in earning assets or funding costs.
Worry ifQ3 net interest income growth below 1.5% compared to Q2 2026.
Less concerning ifNet interest income growth exceeds 1.5% compared to Q2 2026.
Why it matters: More share repurchases show management believes in the company's value. It shows they want to return capital to shareholders.
Supportive ifShare repurchases exceed $50 million in Q3 2026.
Worry ifShare repurchases are below $20 million. This shows less confidence.
Why it matters: Earnings per share growth signals strong financial health. It shows the company is on track with its growth goals.
Supportive ifQ3 EPS growth of more than 15% compared to Q3 2025.
Worry ifQ3 EPS growth of 15% or less compared to Q3 2025.
Why it matters: Strong loan growth shows demand and good lending strategies. It helps the company's growth plans.
Supportive ifAverage loans and leases grow more than 5% annualized in Q3 2026.
Worry ifAverage loans and leases grow 5% or less annualized in Q3 2026.
Why it matters: Higher net charge-offs may mean credit quality problems. It shows how well the company manages risk.
Worry ifNet charge-offs exceed 0.20% of total loans in Q3 2026.
Less concerning ifNet charge-offs remain at or below 0.20% of total loans in Q3 2026.
Why it matters: A lower payout ratio means the company is balancing shareholder returns and growth. It shows financial stability.
Supportive ifDividend payout ratio stays below 35% in Q3 2026.
Worry ifDividend payout ratio exceeds 35% in Q3 2026.
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.
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 2026-09-04.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$93 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $218 loss on $10,000 · 2.2% | 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.
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.