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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 0.11
FNB's Cash to Debt is ranked higher than
50% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FNB: 0.11 )
FNB' s 10-Year Cash to Debt Range
Min: 0.09   Max: 0.78
Current: 0.11

0.09
0.78
Equity to Asset 0.13
FNB's Equity to Asset is ranked higher than
89% of the 2010 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 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 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: 0.20
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 (%) 31.51
FNB's Operating margin (%) is ranked higher than
78% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. FNB: 31.51 )
FNB' s 10-Year Operating margin (%) Range
Min: 12.68   Max: 36.25
Current: 31.51

12.68
36.25
Net-margin (%) 22.16
FNB's Net-margin (%) is ranked higher than
76% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. FNB: 22.16 )
FNB' s 10-Year Net-margin (%) Range
Min: 10.53   Max: 26
Current: 22.16

10.53
26
ROE (%) 7.35
FNB's ROE (%) is ranked higher than
70% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. FNB: 7.35 )
FNB' s 10-Year ROE (%) Range
Min: 4.18   Max: 15.75
Current: 7.35

4.18
15.75
ROA (%) 0.93
FNB's ROA (%) is ranked higher than
79% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FNB: 0.93 )
FNB' s 10-Year ROA (%) Range
Min: 0.48   Max: 1.34
Current: 0.93

0.48
1.34
ROC (Joel Greenblatt) (%) 15.10
FNB's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. FNB: 15.10 )
FNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 9.05   Max: 236.44
Current: 15.1

9.05
236.44
Revenue Growth (%) 0.80
FNB's Revenue Growth (%) is ranked higher than
74% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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
81% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 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
73% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 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

Q4 2013

FNB Guru Trades in Q4 2013

Paul Tudor Jones 33,870 sh (New)
Steven Cohen 39,600 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%)
Paul Tudor Jones Sold Out
Steven Cohen 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
Q3 2014

FNB Guru Trades in Q3 2014

Richard Snow 225,995 sh (unchged)
Jim Simons Sold Out
» 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
Richard Snow 2014-06-30 Add 28.56%0.02%$11.98 - $13.65 $ 12.892%225995
Joel Greenblatt 2014-03-31 Sold Out 0.01%$11.49 - $13.51 $ 12.893%0
Richard Snow 2013-12-31 Add 38.57%0.02%$11.75 - $13.02 $ 12.894%148640
Richard Snow 2013-09-30 Add 25.34%0.01%$11.96 - $13.29 $ 12.893%107270
Joel Greenblatt 2013-06-30 Add 99.56%0.01%$11.06 - $12.08 $ 12.8912%21622
Richard Snow 2013-06-30 Add 36.01%0.01%$11.06 - $12.08 $ 12.8912%85580
Richard Snow 2013-03-31 New Buy0.04%$10.62 - $12.1 $ 12.8912%62920
Joel Greenblatt 2013-03-31 New Buy0.01%$10.62 - $12.1 $ 12.8912%10835
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.60
FNB's P/E(ttm) is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FNB: 16.60 )
FNB' s 10-Year P/E(ttm) Range
Min: 10.52   Max: 85.68
Current: 16.6

10.52
85.68
P/B 1.10
FNB's P/B is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FNB: 1.10 )
FNB' s 10-Year P/B Range
Min: 0.56   Max: 4.34
Current: 1.1

0.56
4.34
P/S 3.50
FNB's P/S is ranked higher than
74% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FNB: 3.50 )
FNB' s 10-Year P/S Range
Min: 1.37   Max: 4.49
Current: 3.5

1.37
4.49
PFCF 4.50
FNB's PFCF is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNB: 4.50 )
FNB' s 10-Year PFCF Range
Min: 1.36   Max: 749.33
Current: 4.5

1.36
749.33
EV-to-EBIT 22.43
FNB's EV-to-EBIT is ranked higher than
68% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. FNB: 22.43 )
FNB' s 10-Year EV-to-EBIT Range
Min: 16.2   Max: 129.8
Current: 22.43

16.2
129.8
PEG 0.91
FNB's PEG is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNB: 0.91 )
FNB' s 10-Year PEG Range
Min: 0.53   Max: 20.44
Current: 0.91

0.53
20.44
Shiller P/E 20.50
FNB's Shiller P/E is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNB: 20.50 )
FNB' s 10-Year Shiller P/E Range
Min: 5.13   Max: 20.6
Current: 20.5

5.13
20.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.70
FNB's Dividend Yield is ranked higher than
79% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. FNB: 3.70 )
FNB' s 10-Year Dividend Yield Range
Min: 3.58   Max: 16.7
Current: 3.7

3.58
16.7
Dividend Payout 0.62
FNB's Dividend Payout is ranked higher than
63% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FNB: 0.62 )
FNB' s 10-Year Dividend Payout Range
Min: 0.13   Max: 24
Current: 0.62

0.13
24
Yield on cost (5-Year) 3.80
FNB's Yield on cost (5-Year) is ranked higher than
68% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 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
60% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FNB: -9.00 )
FNB' s 10-Year Share Buyback Rate Range
Min: -2.1   Max: -30.7
Current: -9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.11
FNB's Price/Tangible Book is ranked higher than
66% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. FNB: 2.11 )
FNB' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 4.91
Current: 2.11

0.52
4.91
Price/DCF (Projected) 0.48
FNB's Price/DCF (Projected) is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. FNB: 0.48 )
FNB' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 2.26
Current: 0.48

0.27
2.26
Price/Median PS Value 1.06
FNB's Price/Median PS Value is ranked higher than
83% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FNB: 1.06 )
FNB' s 10-Year Price/Median PS Value Range
Min: 0.22   Max: 2.04
Current: 1.06

0.22
2.04
Price/Peter Lynch Fair Value 0.98
FNB's Price/Peter Lynch Fair Value is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNB: 0.98 )
FNB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.45   Max: 3.21
Current: 0.98

0.45
3.21
Price/Graham Number 1.17
FNB's Price/Graham Number is ranked higher than
73% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FNB: 1.17 )
FNB' s 10-Year Price/Graham Number Range
Min: 0.34   Max: 2.38
Current: 1.17

0.34
2.38
Earnings Yield (Greenblatt) 4.40
FNB's Earnings Yield (Greenblatt) is ranked higher than
64% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FNB: 4.40 )
FNB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 6.2
Current: 4.4

0.8
6.2
Forward Rate of Return (Yacktman) 35.29
FNB's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FNB: 35.29 )
FNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -22.6   Max: 42.5
Current: 35.29

-22.6
42.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
F N B Corp 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, 2013, the Company had 266 Community Banking offices in Pennsylvania, Ohio, Maryland and West Virginia and 72 Consumer Finance offices in Pennsylvania, Ohio, Tennessee and Kentucky. The Companys 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 Companys 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 Corporations geographic markets. The Companys 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 the carriers to businesses and individuals primarily within the Corporations geographic markets. The Companys 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. It subsidiaries compete for deposits, loans and financial services business with a large number of other financial institutions, such as commercial banks, savings banks, savings and loan associations, credit life insurance companies, mortgage banking companies, consumer finance companies, credit unions and commercial finance and leasing companies, many of which have greater resources than the Corporation. In providing wealth and asset management services, as well as insurance brokerage services, the subsidiaries compete with many other financial services firms, brokerage firms, mutual fund complexes, investment management firms, trust and fiduciary service providers and insurance agencies. The Company operates under the laws and regulations of the Government.
» More Articles for NYSE:FNB

Headlines

Articles On GuruFocus.com
5 Winning Dividend Picks for Big Income Mar 08 2012 
Weekly CEO Buys Highlight: INFN, HBAN, FNB, VOXX, BOOT Jul 31 2011 
F.N.B. Corp. Reports Operating Results (10-K) Feb 25 2011 
F.N.B. Corp. Reports Operating Results (10-Q) Nov 05 2010 
F.N.B. Corp. Reports Operating Results (10-Q) Aug 05 2010 
F.N.B. Corp. Reports Operating Results (10-Q) May 07 2010 
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
F.N.B. Corporation Names Steve A. Ek as Chief Consumer Credit Officer Dec 11 2014
F.N.B. Corporation Names Steve A. Ek as Chief Consumer Credit Officer Dec 11 2014
FNB CORP/FL/ Financials Nov 14 2014
FNB CORP/FL/ Files SEC form 10-Q, Quarterly Report Nov 07 2014
First National Bank Lauded by Pittsburgh Publications as a Top Workplace Nov 03 2014
First National Bank Lauded by Pittsburgh Publications as a Top Workplace Nov 03 2014
FNB CORP/FL/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Oct 22 2014
F.N.B. Corporation Reports Continued Revenue Growth and Record Net Income Oct 22 2014
Q3 2014 F.N.B. Corp Earnings Release - Before Market Open Oct 22 2014
F.N.B. Corporation Declares Dividends Oct 15 2014
F.N.B. Corporation Declares Dividends Oct 15 2014
Simmons First National Up to Strong Buy on Growth Initiative Oct 07 2014
F.N.B. Corporation Schedules Third Quarter 2014 Earnings Report and Conference Call Oct 07 2014
F.N.B. Corporation Finalizes OBA Merger in Maryland Sep 22 2014
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/ 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

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