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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.16
FNB's Cash to Debt is ranked lower than
51% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. FNB: 0.16 )
FNB' s 10-Year Cash to Debt Range
Min: 0.09   Max: 0.78
Current: 0.16

0.09
0.78
Equity to Asset 0.13
FNB's Equity to Asset is ranked higher than
86% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FNB: 0.13 )
FNB' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.13
Current: 0.13

0.05
0.13
Interest Coverage 3.67
FNB's Interest Coverage is ranked higher than
86% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. FNB: 3.67 )
FNB' s 10-Year Interest Coverage Range
Min: 0.27   Max: 3.67
Current: 3.67

0.27
3.67
F-Score: 6
Z-Score: 0.18
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 30.57
FNB's Operating margin (%) is ranked higher than
76% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. FNB: 30.57 )
FNB' s 10-Year Operating margin (%) Range
Min: 12.68   Max: 36.25
Current: 30.57

12.68
36.25
Net-margin (%) 22.15
FNB's Net-margin (%) is ranked higher than
76% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. FNB: 22.15 )
FNB' s 10-Year Net-margin (%) Range
Min: 10.53   Max: 26
Current: 22.15

10.53
26
ROE (%) 6.64
FNB's ROE (%) is ranked higher than
69% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. FNB: 6.64 )
FNB' s 10-Year ROE (%) Range
Min: 3.84   Max: 19.07
Current: 6.64

3.84
19.07
ROA (%) 0.87
FNB's ROA (%) is ranked higher than
78% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. FNB: 0.87 )
FNB' s 10-Year ROA (%) Range
Min: 0.43   Max: 1.23
Current: 0.87

0.43
1.23
ROC (Joel Greenblatt) (%) 13.76
FNB's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. FNB: 13.76 )
FNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.84   Max: 118.22
Current: 13.76

7.84
118.22
Revenue Growth (%) 0.80
FNB's Revenue Growth (%) is ranked higher than
74% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FNB: 0.80 )
FNB' s 10-Year Revenue Growth (%) Range
Min: -12.6   Max: 5.2
Current: 0.8

-12.6
5.2
EBITDA Growth (%) 11.50
FNB's EBITDA Growth (%) is ranked higher than
80% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FNB: 11.50 )
FNB' s 10-Year EBITDA Growth (%) Range
Min: -26.7   Max: 21.3
Current: 11.5

-26.7
21.3
EPS Growth (%) 7.20
FNB's EPS Growth (%) is ranked higher than
72% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FNB: 7.20 )
FNB' s 10-Year EPS Growth (%) Range
Min: -34.5   Max: 35.2
Current: 7.2

-34.5
35.2
» FNB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

FNB Guru Trades in Q3 2013

Jim Simons 236,374 sh (+68.27%)
Richard Snow 107,270 sh (+25.34%)
Joel Greenblatt 19,611 sh (-9.3%)
» More
Q4 2013

FNB Guru Trades in Q4 2013

Steven Cohen 39,600 sh (New)
Paul Tudor Jones 33,870 sh (New)
Richard Snow 148,640 sh (+38.57%)
Jim Simons 316,878 sh (+34.06%)
Joel Greenblatt 19,628 sh (+0.09%)
» More
Q1 2014

FNB Guru Trades in Q1 2014

Richard Snow 175,790 sh (+18.27%)
Steven Cohen Sold Out
Paul Tudor Jones Sold Out
Joel Greenblatt Sold Out
Jim Simons 303,977 sh (-4.07%)
» More
Q2 2014

FNB Guru Trades in Q2 2014

Richard Snow 225,995 sh (+28.56%)
Jim Simons 311,178 sh (+2.37%)
» More
» Details

Insider Trades

Latest Guru Trades with FNB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-03-31 Sold Out 0.01%$11.49 - $13.51 $ 12.35-1%0
Joel Greenblatt 2013-06-30 Add 99.56%0.01%$11.06 - $12.08 $ 12.357%21622
Joel Greenblatt 2013-03-31 New Buy0.01%$10.62 - $12.1 $ 12.357%10835
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.40
FNB's P/E(ttm) is ranked higher than
68% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. FNB: 15.40 )
FNB' s 10-Year P/E(ttm) Range
Min: 10.52   Max: 85.68
Current: 15.4

10.52
85.68
P/B 1.15
FNB's P/B is ranked higher than
68% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FNB: 1.15 )
FNB' s 10-Year P/B Range
Min: 0.56   Max: 4.34
Current: 1.15

0.56
4.34
P/S 3.42
FNB's P/S is ranked higher than
51% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.06 vs. FNB: 3.42 )
FNB' s 10-Year P/S Range
Min: 1.37   Max: 6.94
Current: 3.42

1.37
6.94
PFCF 3.23
FNB's PFCF is ranked higher than
88% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.14 vs. FNB: 3.23 )
FNB' s 10-Year PFCF Range
Min: 1.35   Max: 18.07
Current: 3.23

1.35
18.07
EV-to-EBIT 20.11
FNB's EV-to-EBIT is ranked higher than
70% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.09 vs. FNB: 20.11 )
FNB' s 10-Year EV-to-EBIT Range
Min: 16.2   Max: 162.2
Current: 20.11

16.2
162.2
PEG 0.85
FNB's PEG is ranked higher than
89% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNB: 0.85 )
FNB' s 10-Year PEG Range
Min: 0.66   Max: 52.58
Current: 0.85

0.66
52.58
Shiller P/E 19.13
FNB's Shiller P/E is ranked higher than
79% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.69 vs. FNB: 19.13 )
FNB' s 10-Year Shiller P/E Range
Min: 5.13   Max: 20.6
Current: 19.13

5.13
20.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.89
FNB's Dividend Yield is ranked higher than
79% of the 1412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.46 vs. FNB: 3.89 )
FNB' s 10-Year Dividend Yield Range
Min: 3.58   Max: 16.7
Current: 3.89

3.58
16.7
Dividend Payout 0.61
FNB's Dividend Payout is ranked higher than
59% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.49 vs. FNB: 0.61 )
FNB' s 10-Year Dividend Payout Range
Min: 0.13   Max: 24
Current: 0.61

0.13
24
Yield on cost (5-Year) 3.90
FNB's Yield on cost (5-Year) is ranked higher than
68% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. FNB: 3.90 )
FNB' s 10-Year Yield on cost (5-Year) Range
Min: 3.58   Max: 16.7
Current: 3.9

3.58
16.7
Share Buyback Rate -9.00
FNB's Share Buyback Rate is ranked higher than
58% of the 1238 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FNB: -9.00 )
FNB' s 10-Year Share Buyback Rate Range
Min: -2.1   Max: -29.1
Current: -9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.22
FNB's Price/Tangible Book is ranked lower than
51% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. FNB: 2.22 )
FNB' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 4.91
Current: 2.22

0.52
4.91
Price/DCF (Projected) 0.42
FNB's Price/DCF (Projected) is ranked higher than
92% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FNB: 0.42 )
FNB' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1.83
Current: 0.42

0.25
1.83
Price/Median PS Value 1.07
FNB's Price/Median PS Value is ranked higher than
77% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FNB: 1.07 )
FNB' s 10-Year Price/Median PS Value Range
Min: 0.22   Max: 1.27
Current: 1.07

0.22
1.27
Price/Peter Lynch Fair Value 0.68
FNB's Price/Peter Lynch Fair Value is ranked higher than
90% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNB: 0.68 )
FNB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.45   Max: 3.21
Current: 0.68

0.45
3.21
Price/Graham Number 1.21
FNB's Price/Graham Number is ranked higher than
60% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FNB: 1.21 )
FNB' s 10-Year Price/Graham Number Range
Min: 0.34   Max: 2.38
Current: 1.21

0.34
2.38
Earnings Yield (Greenblatt) 5.00
FNB's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FNB: 5.00 )
FNB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 6.2
Current: 5

0.6
6.2
Forward Rate of Return (Yacktman) 39.87
FNB's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.09 vs. FNB: 39.87 )
FNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.6   Max: 43.6
Current: 39.87

-1.6
43.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
F.N.B. Co. was formed in 1974 as a bank holding company. During 2000, the Corporation elected to become and remains a financial holding company under the Gramm-Leach-Bliley Act of 1999. The Corporation has four reportable business segments: Community Banking, Wealth Management, Insurance and Consumer Finance. The Company, through its subsidiaries, provides financial services to consumers and small- to medium-sized businesses in its market areas. As of December 31, 2012, the Company had 247 Community Banking offices in Pennsylvania, eastern Ohio and northern West Virginia and 71 Consumer Finance offices in Pennsylvania, Ohio, Tennessee and Kentucky. The Company's Community Banking segment consists of First National Bank of Pennsylvania, which offers services traditionally offered by commercial banks, including commercial and individual demand, savings and time deposit accounts and commercial, mortgage and individual installment loans. The Company's Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds as well as existing customers of Community Banking. Wealth Management provides services to individuals and businesses located within the Corporation's geographic markets. The Company's Insurance segment operates through First National Insurance Agency, LLC, which is a subsidiary of the Corporation. FNIA is an insurance brokerage agency offering numerous lines of commercial and personal insurance through major carriers to businesses and individuals primarily within the Corporation's geographic markets. The Company's Consumer Finance segment operates through its subsidiary, Regency Finance Company, which is involved in making personal installment loans to individuals and purchasing installment sales finance contracts from retail merchants. The Consumer Finance segment operates in Pennsylvania, Ohio and Tennessee.

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