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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.14
FNB's Cash to Debt is ranked lower than
89% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. FNB: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
FNB' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.18 Max: 0.64
Current: 0.14
0.09
0.64
Equity to Asset 0.12
FNB's Equity to Asset is ranked higher than
69% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FNB: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
FNB' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.09 Max: 0.13
Current: 0.12
0.05
0.13
Interest Coverage 3.78
FNB's Interest Coverage is ranked higher than
74% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. FNB: 3.78 )
Ranked among companies with meaningful Interest Coverage only.
FNB' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 1.38 Max: 4.84
Current: 3.78
0.27
4.84
F-Score: 3
M-Score: -2.39
WACC vs ROIC
4.90%
3.44%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 29.54
FNB's Operating margin (%) is ranked lower than
53% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. FNB: 29.54 )
Ranked among companies with meaningful Operating margin (%) only.
FNB' s Operating margin (%) Range Over the Past 10 Years
Min: 12.06  Med: 30.57 Max: 36.25
Current: 29.54
12.06
36.25
Net-margin (%) 19.96
FNB's Net-margin (%) is ranked lower than
59% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. FNB: 19.96 )
Ranked among companies with meaningful Net-margin (%) only.
FNB' s Net-margin (%) Range Over the Past 10 Years
Min: 10.02  Med: 22.02 Max: 25.23
Current: 19.96
10.02
25.23
ROE (%) 6.12
FNB's ROE (%) is ranked lower than
66% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. FNB: 6.12 )
Ranked among companies with meaningful ROE (%) only.
FNB' s ROE (%) Range Over the Past 10 Years
Min: 3.33  Med: 7.39 Max: 13.34
Current: 6.12
3.33
13.34
ROA (%) 0.79
FNB's ROA (%) is ranked lower than
56% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FNB: 0.79 )
Ranked among companies with meaningful ROA (%) only.
FNB' s ROA (%) Range Over the Past 10 Years
Min: 0.48  Med: 0.94 Max: 1.17
Current: 0.79
0.48
1.17
Revenue Growth (3Y)(%) 1.50
FNB's Revenue Growth (3Y)(%) is ranked lower than
56% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FNB: 1.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FNB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.6  Med: -0.30 Max: 8.2
Current: 1.5
-20.6
8.2
EBITDA Growth (3Y)(%) 5.50
FNB's EBITDA Growth (3Y)(%) is ranked lower than
51% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FNB: 5.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FNB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -26.7  Med: -2.10 Max: 21.3
Current: 5.5
-26.7
21.3
EPS Growth (3Y)(%) 2.90
FNB's EPS Growth (3Y)(%) is ranked lower than
64% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FNB: 2.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FNB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.5  Med: -3.00 Max: 35.2
Current: 2.9
-34.5
35.2
» FNB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2015

FNB Guru Trades in Q2 2015

Richard Snow 664,099 sh (+57.78%)
Jim Simons 243,600 sh (+44.40%)
Joel Greenblatt Sold Out
» More
Q3 2015

FNB Guru Trades in Q3 2015

Paul Tudor Jones 63,700 sh (New)
Richard Snow 351,610 sh (-47.05%)
Jim Simons 89,900 sh (-63.10%)
» More
Q4 2015

FNB Guru Trades in Q4 2015

Chuck Royce 231,000 sh (New)
Richard Snow 676,025 sh (+92.27%)
Paul Tudor Jones 22,300 sh (-64.99%)
Jim Simons 15,500 sh (-82.76%)
» More
Q1 2016

FNB Guru Trades in Q1 2016

Jim Simons 339,118 sh (+2087.86%)
Chuck Royce 231,000 sh (unchged)
Paul Tudor Jones Sold Out
Richard Snow 561,929 sh (-16.88%)
» 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%)

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Preferred stocks of F N B Corp

SymbolPriceYieldDescription
FNBPRE33.425.43Deposit Shs Repr 1/40th Non-Cum Perp Pfd Shs Series -E-

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:WTFC, NAS:IBKC, NAS:CATY, NAS:UBSI, NAS:FULT, NAS:UMBF, NYSE:VLY, NYSE:TCB, NAS:HBHC, NYSE:ASB, NAS:FFIN, NAS:TCBI, NAS:MBFI, NAS:PNFP, NYSE:BXS, NYSE:STL, NAS:HOMB, NYSE:BOH, NAS:GBCI, NYSE:EVER » details
Traded in other countries:FN2.Germany,
F N B Corp is a diversified financial services holding company. It offers Community banking, wealth management, insurance and consumer finance. It has approximately 289 Community Banking offices and approximately 73 Consumer Finance offices.

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. 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 Corporations 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 the carriers to businesses and individuals within the Corporations 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. 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.

Ratios

vs
industry
vs
history
P/E(ttm) 16.18
FNB's P/E(ttm) is ranked lower than
69% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. FNB: 16.18 )
Ranked among companies with meaningful P/E(ttm) only.
FNB' s P/E(ttm) Range Over the Past 10 Years
Min: 10.53  Med: 15.70 Max: 188.5
Current: 16.18
10.53
188.5
Forward P/E 13.00
FNB's Forward P/E is ranked lower than
56% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. FNB: 13.00 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.18
FNB's PE(NRI) is ranked lower than
68% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. FNB: 16.18 )
Ranked among companies with meaningful PE(NRI) only.
FNB' s PE(NRI) Range Over the Past 10 Years
Min: 10.53  Med: 15.70 Max: 188.5
Current: 16.18
10.53
188.5
Price/Owner Earnings (ttm) 14.08
FNB's Price/Owner Earnings (ttm) is ranked lower than
58% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. FNB: 14.08 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FNB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.56  Med: 9.06 Max: 30.68
Current: 14.08
1.56
30.68
P/B 1.03
FNB's P/B is ranked higher than
50% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FNB: 1.03 )
Ranked among companies with meaningful P/B only.
FNB' s P/B Range Over the Past 10 Years
Min: 0.56  Med: 1.16 Max: 2.26
Current: 1.03
0.56
2.26
P/S 3.14
FNB's P/S is ranked lower than
56% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. FNB: 3.14 )
Ranked among companies with meaningful P/S only.
FNB' s P/S Range Over the Past 10 Years
Min: 1.34  Med: 3.29 Max: 4.31
Current: 3.14
1.34
4.31
PFCF 9.35
FNB's PFCF is ranked higher than
55% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. FNB: 9.35 )
Ranked among companies with meaningful PFCF only.
FNB' s PFCF Range Over the Past 10 Years
Min: 1.34  Med: 8.32 Max: 30.93
Current: 9.35
1.34
30.93
POCF 8.73
FNB's POCF is ranked higher than
50% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. FNB: 8.73 )
Ranked among companies with meaningful POCF only.
FNB' s POCF Range Over the Past 10 Years
Min: 1.28  Med: 6.37 Max: 14.74
Current: 8.73
1.28
14.74
EV-to-EBIT 21.13
FNB's EV-to-EBIT is ranked lower than
76% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. FNB: 21.13 )
Ranked among companies with meaningful EV-to-EBIT only.
FNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 16.2  Med: 20.70 Max: 129.8
Current: 21.13
16.2
129.8
EV-to-EBITDA 17.50
FNB's EV-to-EBITDA is ranked lower than
72% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. FNB: 17.50 )
Ranked among companies with meaningful EV-to-EBITDA only.
FNB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 13.4  Med: 17.40 Max: 46.4
Current: 17.5
13.4
46.4
PEG 2.12
FNB's PEG is ranked lower than
73% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FNB: 2.12 )
Ranked among companies with meaningful PEG only.
FNB' s PEG Range Over the Past 10 Years
Min: 0.56  Med: 1.26 Max: 76.31
Current: 2.12
0.56
76.31
Shiller P/E 14.70
FNB's Shiller P/E is ranked higher than
63% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. FNB: 14.70 )
Ranked among companies with meaningful Shiller P/E only.
FNB' s Shiller P/E Range Over the Past 10 Years
Min: 4.39  Med: 11.13 Max: 17.66
Current: 14.7
4.39
17.66

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.01
FNB's Dividend Yield is ranked higher than
66% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FNB: 4.01 )
Ranked among companies with meaningful Dividend Yield only.
FNB' s Dividend Yield Range Over the Past 10 Years
Min: 3.29  Med: 5.02 Max: 16.7
Current: 4.01
3.29
16.7
Dividend Payout 0.63
FNB's Dividend Payout is ranked lower than
70% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FNB: 0.63 )
Ranked among companies with meaningful Dividend Payout only.
FNB' s Dividend Payout Range Over the Past 10 Years
Min: 0.31  Med: 0.68 Max: 24
Current: 0.63
0.31
24
Forward Dividend Yield 4.01
FNB's Forward Dividend Yield is ranked higher than
65% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. FNB: 4.01 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.02
FNB's Yield on cost (5-Year) is ranked higher than
55% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. FNB: 4.02 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FNB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.29  Med: 5.02 Max: 16.7
Current: 4.02
3.29
16.7
3-Year Average Share Buyback Ratio -7.80
FNB's 3-Year Average Share Buyback Ratio is ranked lower than
71% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FNB: -7.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FNB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -29.2  Med: -11.50 Max: -5.9
Current: -7.8
-29.2
-5.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.88
FNB's Price/Tangible Book is ranked lower than
81% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FNB: 1.88 )
Ranked among companies with meaningful Price/Tangible Book only.
FNB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.54  Med: 2.06 Max: 4.64
Current: 1.88
0.54
4.64
Price/Projected FCF 0.51
FNB's Price/Projected FCF is ranked higher than
66% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FNB: 0.51 )
Ranked among companies with meaningful Price/Projected FCF only.
FNB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.27  Med: 0.59 Max: 2.19
Current: 0.51
0.27
2.19
Price/Median PS Value 0.96
FNB's Price/Median PS Value is ranked higher than
58% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. FNB: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
FNB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.31  Med: 0.93 Max: 2.07
Current: 0.96
0.31
2.07
Price/Peter Lynch Fair Value 2.29
FNB's Price/Peter Lynch Fair Value is ranked lower than
92% of the 434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FNB: 2.29 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FNB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.45  Med: 1.23 Max: 3.51
Current: 2.29
0.45
3.51
Price/Graham Number 1.14
FNB's Price/Graham Number is ranked lower than
74% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FNB: 1.14 )
Ranked among companies with meaningful Price/Graham Number only.
FNB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.41  Med: 1.24 Max: 3.65
Current: 1.14
0.41
3.65
Earnings Yield (Greenblatt) (%) 4.69
FNB's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FNB: 4.69 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FNB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 4.80 Max: 6.2
Current: 4.69
0.8
6.2
Forward Rate of Return (Yacktman) (%) 23.01
FNB's Forward Rate of Return (Yacktman) (%) is ranked higher than
70% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. FNB: 23.01 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FNB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -4.2  Med: 20.65 Max: 37.3
Current: 23.01
-4.2
37.3

More Statistics

Revenue (TTM) (Mil) $734.4
EPS (TTM) $ 0.74
Beta0.95
Short Percentage of Float4.44%
52-Week Range $11.16 - 14.66
Shares Outstanding (Mil)209.80

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.92 1.03
EPS w/o NRI ($) 0.92 1.03
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.48 0.48
» 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 

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