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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 0.14
FNB's Cash to Debt is ranked higher than
52% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. FNB: 0.14 )
FNB' s 10-Year Cash to Debt Range
Min: 0.09   Max: 0.78
Current: 0.14

0.09
0.78
Equity to Asset 0.13
FNB's Equity to Asset is ranked higher than
87% of the 1732 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 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 5
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 (%) 31.30
FNB's Operating margin (%) is ranked higher than
78% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.45 vs. FNB: 31.30 )
FNB' s 10-Year Operating margin (%) Range
Min: 12.68   Max: 36.25
Current: 31.3

12.68
36.25
Net-margin (%) 22.52
FNB's Net-margin (%) is ranked higher than
78% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. FNB: 22.52 )
FNB' s 10-Year Net-margin (%) Range
Min: 10.53   Max: 26
Current: 22.52

10.53
26
ROE (%) 6.78
FNB's ROE (%) is ranked higher than
71% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. FNB: 6.78 )
FNB' s 10-Year ROE (%) Range
Min: 3.84   Max: 19.07
Current: 6.78

3.84
19.07
ROA (%) 0.86
FNB's ROA (%) is ranked higher than
78% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FNB: 0.86 )
FNB' s 10-Year ROA (%) Range
Min: 0.43   Max: 1.23
Current: 0.86

0.43
1.23
ROC (Joel Greenblatt) (%) 12.89
FNB's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 1726 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 68.75 vs. FNB: 12.89 )
FNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.84   Max: 118.22
Current: 12.89

7.84
118.22
Revenue Growth (%) 0.80
FNB's Revenue Growth (%) is ranked higher than
74% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 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 1385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 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 1355 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%)
Joel Greenblatt Sold Out
Paul Tudor Jones Sold Out
Steven Cohen 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 $ 12.772%0
Joel Greenblatt 2013-06-30 Add 99.56%0.01%$11.06 - $12.08 $ 12.7711%21622
Joel Greenblatt 2013-03-31 New Buy0.01%$10.62 - $12.1 $ 12.7711%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) 16.00
FNB's P/E(ttm) is ranked higher than
67% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. FNB: 16.00 )
FNB' s 10-Year P/E(ttm) Range
Min: 10.52   Max: 85.68
Current: 16

10.52
85.68
P/B 1.18
FNB's P/B is ranked higher than
67% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FNB: 1.18 )
FNB' s 10-Year P/B Range
Min: 0.56   Max: 4.34
Current: 1.18

0.56
4.34
P/S 3.55
FNB's P/S is ranked higher than
64% of the 1711 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. FNB: 3.55 )
FNB' s 10-Year P/S Range
Min: 1.37   Max: 6.94
Current: 3.55

1.37
6.94
PFCF 4.34
FNB's PFCF is ranked higher than
87% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. FNB: 4.34 )
FNB' s 10-Year PFCF Range
Min: 1.35   Max: 18.07
Current: 4.34

1.35
18.07
EV-to-EBIT 19.49
FNB's EV-to-EBIT is ranked higher than
71% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.25 vs. FNB: 19.49 )
FNB' s 10-Year EV-to-EBIT Range
Min: 16.2   Max: 162.2
Current: 19.49

16.2
162.2
PEG 0.88
FNB's PEG is ranked higher than
90% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNB: 0.88 )
FNB' s 10-Year PEG Range
Min: 0.66   Max: 52.58
Current: 0.88

0.66
52.58
Shiller P/E 19.58
FNB's Shiller P/E is ranked higher than
69% of the 1093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.35 vs. FNB: 19.58 )
FNB' s 10-Year Shiller P/E Range
Min: 5.09   Max: 20.92
Current: 19.58

5.09
20.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.76
FNB's Dividend Yield is ranked higher than
78% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.38 vs. FNB: 3.76 )
FNB' s 10-Year Dividend Yield Range
Min: 3.58   Max: 16.7
Current: 3.76

3.58
16.7
Dividend Payout 0.61
FNB's Dividend Payout is ranked higher than
59% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 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) 3.80
FNB's Yield on cost (5-Year) is ranked higher than
66% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. FNB: 3.80 )
FNB' s 10-Year Yield on cost (5-Year) Range
Min: 3.58   Max: 16.7
Current: 3.8

3.58
16.7
Share Buyback Rate -9.00
FNB's Share Buyback Rate is ranked higher than
59% of the 1291 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 2.25
FNB's Price/Tangible Book is ranked higher than
61% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. FNB: 2.25 )
FNB' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 4.91
Current: 2.25

0.52
4.91
Price/DCF (Projected) 0.47
FNB's Price/DCF (Projected) is ranked higher than
82% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FNB: 0.47 )
FNB' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1.83
Current: 0.47

0.25
1.83
Price/Median PS Value 1.10
FNB's Price/Median PS Value is ranked higher than
76% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FNB: 1.10 )
FNB' s 10-Year Price/Median PS Value Range
Min: 0.22   Max: 1.26
Current: 1.1

0.22
1.26
Price/Peter Lynch Fair Value 0.73
FNB's Price/Peter Lynch Fair Value is ranked higher than
94% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNB: 0.73 )
FNB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.45   Max: 3.21
Current: 0.73

0.45
3.21
Price/Graham Number 1.21
FNB's Price/Graham Number is ranked higher than
57% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 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) 5.10
FNB's Earnings Yield (Greenblatt) is ranked higher than
63% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FNB: 5.10 )
FNB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 6.2
Current: 5.1

0.6
6.2
Forward Rate of Return (Yacktman) 38.33
FNB's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. FNB: 38.33 )
FNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.6   Max: 43.6
Current: 38.33

-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.
» More Articles for FNB

Headlines

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F.N.B. Corp. Reports Operating Results (10-Q) Aug 10 2009 
Weekly CFO Buy Highlights: F.N.B. Corp, Great Wolf Resorts Inc, Dyax Corp, Transcat Inc, Cal Dive In Jun 20 2009 
F.N.B. Corp. (FNB) Chairman Stephen J Gurgovits buys 25,000 Shares Jun 15 2009 
F.N.B. Corp. (FNB) CFO Brian F Lilly buys 25,000 Shares Jun 15 2009 

More From Other Websites
Shareholders of OBA Financial Services, Inc. Approve Merger with F.N.B. Corporation Aug 21 2014
F.N.B. Corporation Declares Dividend of 12 Cents on Common Stock Aug 20 2014
FNB CORP/FL/ Financials Aug 15 2014
FNB CORP/FL/ Files SEC form 10-Q, Quarterly Report Aug 08 2014
F.N.B. Corporation Receives Regulatory Approval for OBA Financial Merger Jul 29 2014
FNB CORP/FL/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Jul 22 2014
F.N.B. Corporation Reports Second Quarter 2014 Results Jul 22 2014
Q2 2014 F.N.B. Corp Earnings Release - After Market Close Jul 22 2014
Hamilton Bancorp: Undiscovered Gem With An Exit Strategy - Target Price: $21 Jul 20 2014
F.N.B. Corporation Declares Cash Dividend on Non-Cumulative Perpetual Preferred Stock, Series E Jul 16 2014
F.N.B. Corporation Schedules Second Quarter 2014 Earnings Report and Conference Call Jul 14 2014
F.N.B. Corporation Officially Named Pittsburgh as Headquarters Jul 09 2014
Wall Street Transcript Interview with Keith Cargill, the President and CEO of Texas Capital Bank... Jul 07 2014
FNB CORP/FL/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 22 2014
F.N.B. Corporation Declares Dividend of 12 Cents on Common Stock and Announces Election of Directors May 21 2014
SunTrust to hold a conference May 20 2014
FNB CORP/FL/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 14 2014
First National Bank Taps Karto to Establish International Banking Unit May 12 2014
FNB CORP/FL/ Files SEC form 10-Q, Quarterly Report May 09 2014
F.N.B. Corp. upgraded to Buy from Hold at Sandler ONeill May 08 2014

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