FNB Stock Analysis: Buy, Sell, or Hold?
FNB - F.N.B. Corp
$17.55
-0.05 (-0.28%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 15, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FNB shows positive signals but monitor for confirmation. Market pricing in 2.7% decline. Moderate conviction.
💡 BUY OPPORTUNITY: FNB shows positive signals but monitor for confirmation. Market pricing in 2.7% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$28.46
Based on 8.3% avg growth
INTRINSIC VALUE TODAY
$17.67
0.7% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FNB is currently trading at $17.55, which is considered fair relative to its 30-day fair value range of $17.22 to $17.68. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (9.9). Remarkably, the market is currently pricing in an annual earnings decline of 2.7% over the next few years. This pessimistic expectation contrasts with the company's recent 56.5% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FNB is in a strong uptrend. The price is currently testing key support at $17.03. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $20.06 (+14.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FNB is in a strong uptrend. The price is currently testing key support at $17.03. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $20.06 (+14.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$17.22 -
$17.68
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($20.06)
Fair Price Analysis
30-Day Fair Range
$17.22 -
$17.68
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$17.03
Resistance Level
$18.30
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.08
Wall Street Target
$20.06
(+14.0%)
Revenue Growth (YoY)
26.4%
Earnings Growth (YoY)
56.5%
Profit Margin
33.7%
Valuation Discount vs History
-2.7% cheaper
PE vs Historical
9.1 vs 9.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.7%
(market-implied from PE analysis)
1-Year Target
$17.12
(-3%)
2-Year Target
$16.66
(-5%)
3-Year Target
$16.21
(-8%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$17.67
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 12.5%)
$61.45
(+249%)
Base:
(SPY PE: 9.1, Growth: 12.5%)
$25.03
(+42%)
Bear:
(PE: 7.7, Growth: 12.5%)
$21.28
(+21%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 11.04 | Current EPS (TTM): $1.56
Bull Case
$23.54
(+34%)
Analyst growth 24.2%, PE expands to 12.2
Base Case
$21.40
(+22%)
Market implied 24.2%, PE stable at 11.0
Bear Case
$11.72
(-33%)
Severe decline -20.0%, PE contracts to 9.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.1 to 9.9
Stabilization Target:
$19.18
(+9.0%)
PE Expansion Potential:
+9.0%
Last updated: January 31, 2026 11:11 AM ET
Data refreshes hourly during market hours. Next update: 12:10 PM
Data refreshes hourly during market hours. Next update: 12:10 PM
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Technical Signals Check
Is FNB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Professional options setups generated by AI based on today's FNB price and gamma walls.
