FNB Stock Analysis: Buy, Sell, or Hold?
FNB - F.N.B. Corp
$16.78
-0.12 (-0.71%)
▼
5d:
+1.45%
30d:
-1.64%
90d:
-1.87%
BUY
HIGH Confidence
Analysis Updated: Apr 1, 2026 12:00 AM ET
Earnings: Apr 15, 2026
12d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: FNB shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: FNB shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$27.55
Based on 8.8% avg growth
INTRINSIC VALUE TODAY
$17.11
1.9% 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 9.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FNB is currently trading at $16.78, which is considered fair relative to its 30-day fair value range of $16.03 to $17.20. The stock's valuation (Forward PE: 8.7) is in line with its historical norms (9.3). Remarkably, the market is currently pricing in an annual earnings decline of 2.5% over the next few years. This pessimistic expectation contrasts with the company's recent 55.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FNB is in a strong uptrend. The price is approaching resistance at $17.04. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FNB has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $20.06 (+18.7%). 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 approaching resistance at $17.04. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FNB has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $20.06 (+18.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$16.03 -
$17.20
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.0%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($20.06)
Fair Price Analysis
30-Day Fair Range
$16.03 -
$17.20
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$15.81
Resistance Level
$17.04
Current Trend
Strong Uptrend
Technical data as of
Apr 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.66
Wall Street Target
$20.06
(+18.7%)
Revenue Growth (YoY)
26.4%
Earnings Growth (YoY)
55.8%
Profit Margin
33.7%
Valuation Discount vs History
-2.5% cheaper
PE vs Historical
8.7 vs 9.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.5%
(market-implied from PE analysis)
1-Year Target
$16.48
(-3%)
2-Year Target
$16.07
(-5%)
3-Year Target
$15.66
(-7%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$16.83
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 13.5%)
$63.83
(+278%)
Base:
(SPY PE: 8.7, Growth: 13.5%)
$24.72
(+46%)
Bear:
(PE: 7.4, Growth: 13.5%)
$21.01
(+24%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.26 | Current EPS (TTM): $1.56
Bull Case
$22.04
(+35%)
Analyst growth 25.2%, PE expands to 11.3
Base Case
$20.04
(+23%)
Market implied 25.2%, PE stable at 10.3
Bear Case
$10.89
(-33%)
Severe decline -20.0%, PE contracts to 8.7
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 8.7 to 9.3
Stabilization Target:
$18.16
(+7.4%)
PE Expansion Potential:
+7.4%
Share & Embed Analysis
Last updated: April 02, 2026 12:44 PM ET
Data refreshes hourly during market hours. Next update: 1:44 PM
Data refreshes hourly during market hours. Next update: 1:44 PM
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Technical Signals Check
Is FNB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Gary L Guerrieri
SELL
15000 shares
2025-12-10
James L Dutey
SELL
40000 shares
2025-12-02
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