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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 0.12
FNB's Cash to Debt is ranked lower than
90% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FNB: 0.12 )
Ranked among companies with meaningful Cash to Debt only.
FNB' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.19 Max: 0.67
Current: 0.12
0.09
0.67
Equity to Asset 0.12
FNB's Equity to Asset is ranked higher than
71% of the 1355 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 10-Year Equity to Asset Range
Min: 0.05  Med: 0.09 Max: 0.13
Current: 0.12
0.05
0.13
Interest Coverage 4.84
FNB's Interest Coverage is ranked higher than
80% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FNB: 4.84 )
Ranked among companies with meaningful Interest Coverage only.
FNB' s 10-Year Interest Coverage Range
Min: 0.27  Med: 0.50 Max: 4.84
Current: 4.84
0.27
4.84
F-Score: 4
WACC vs ROIC
5.71%
3.93%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 34.58
FNB's Operating margin (%) is ranked higher than
61% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. FNB: 34.58 )
Ranked among companies with meaningful Operating margin (%) only.
FNB' s 10-Year Operating margin (%) Range
Min: 12.68  Med: 28.04 Max: 36.25
Current: 34.58
12.68
36.25
Net-margin (%) 24.06
FNB's Net-margin (%) is ranked higher than
57% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. FNB: 24.06 )
Ranked among companies with meaningful Net-margin (%) only.
FNB' s 10-Year Net-margin (%) Range
Min: 10.53  Med: 20.92 Max: 26
Current: 24.06
10.53
26
ROE (%) 7.32
FNB's ROE (%) is ranked lower than
58% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. FNB: 7.32 )
Ranked among companies with meaningful ROE (%) only.
FNB' s 10-Year ROE (%) Range
Min: 3.33  Med: 11.55 Max: 15.49
Current: 7.32
3.33
15.49
ROA (%) 0.97
FNB's ROA (%) is ranked higher than
58% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FNB: 0.97 )
Ranked among companies with meaningful ROA (%) only.
FNB' s 10-Year ROA (%) Range
Min: 0.48  Med: 1.00 Max: 1.34
Current: 0.97
0.48
1.34
Revenue Growth (3Y)(%) 1.90
FNB's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FNB: 1.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FNB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -12.6  Med: -3.80 Max: 5.2
Current: 1.9
-12.6
5.2
EBITDA Growth (3Y)(%) 8.90
FNB's EBITDA Growth (3Y)(%) is ranked higher than
54% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FNB: 8.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FNB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -26.7  Med: 0.80 Max: 21.3
Current: 8.9
-26.7
21.3
EPS Growth (3Y)(%) 4.60
FNB's EPS Growth (3Y)(%) is ranked lower than
64% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. FNB: 4.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FNB' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.5  Med: -3.80 Max: 35.2
Current: 4.6
-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 2014

FNB Guru Trades in Q3 2014

Richard Snow 225,995 sh (unchged)
Jim Simons Sold Out
» More
Q4 2014

FNB Guru Trades in Q4 2014

Jim Simons 25,100 sh (New)
Richard Snow 369,295 sh (+63.41%)
» More
Q1 2015

FNB Guru Trades in Q1 2015

Joel Greenblatt 10,771 sh (New)
Jim Simons 168,700 sh (+572.11%)
Richard Snow 420,910 sh (+13.98%)
» More
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
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.60
FNB's P/E(ttm) is ranked lower than
59% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. FNB: 14.60 )
Ranked among companies with meaningful P/E(ttm) only.
FNB' s 10-Year P/E(ttm) Range
Min: 10.52  Med: 15.64 Max: 85.68
Current: 14.6
10.52
85.68
Forward P/E 12.36
FNB's Forward P/E is ranked lower than
57% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. FNB: 12.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.70
FNB's PE(NRI) is ranked lower than
59% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. FNB: 14.70 )
Ranked among companies with meaningful PE(NRI) only.
FNB' s 10-Year PE(NRI) Range
Min: 10.53  Med: 15.63 Max: 83.78
Current: 14.7
10.53
83.78
P/B 1.11
FNB's P/B is ranked lower than
55% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FNB: 1.11 )
Ranked among companies with meaningful P/B only.
FNB' s 10-Year P/B Range
Min: 0.56  Med: 1.18 Max: 4.06
Current: 1.11
0.56
4.06
P/S 3.36
FNB's P/S is ranked lower than
61% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. FNB: 3.36 )
Ranked among companies with meaningful P/S only.
FNB' s 10-Year P/S Range
Min: 1.37  Med: 3.36 Max: 4.44
Current: 3.36
1.37
4.44
PFCF 9.38
FNB's PFCF is ranked higher than
56% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FNB: 9.38 )
Ranked among companies with meaningful PFCF only.
FNB' s 10-Year PFCF Range
Min: 1.36  Med: 6.94 Max: 18.79
Current: 9.38
1.36
18.79
POCF 8.61
FNB's POCF is ranked higher than
53% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. FNB: 8.61 )
Ranked among companies with meaningful POCF only.
FNB' s 10-Year POCF Range
Min: 1.3  Med: 6.51 Max: 14.85
Current: 8.61
1.3
14.85
EV-to-EBIT 18.45
FNB's EV-to-EBIT is ranked lower than
68% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. FNB: 18.45 )
Ranked among companies with meaningful EV-to-EBIT only.
FNB' s 10-Year EV-to-EBIT Range
Min: 16.2  Med: 21.05 Max: 129.8
Current: 18.45
16.2
129.8
PEG 1.07
FNB's PEG is ranked lower than
53% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FNB: 1.07 )
Ranked among companies with meaningful PEG only.
FNB' s 10-Year PEG Range
Min: 0.66  Med: 1.04 Max: 7.83
Current: 1.07
0.66
7.83
Shiller P/E 16.88
FNB's Shiller P/E is ranked lower than
56% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. FNB: 16.88 )
Ranked among companies with meaningful Shiller P/E only.
FNB' s 10-Year Shiller P/E Range
Min: 5.13  Med: 12.82 Max: 20.6
Current: 16.88
5.13
20.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.85
FNB's Dividend Yield is ranked higher than
71% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. FNB: 3.85 )
Ranked among companies with meaningful Dividend Yield only.
FNB' s 10-Year Dividend Yield Range
Min: 3.29  Med: 5.03 Max: 16.7
Current: 3.85
3.29
16.7
Dividend Payout 0.57
FNB's Dividend Payout is ranked lower than
79% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FNB: 0.57 )
Ranked among companies with meaningful Dividend Payout only.
FNB' s 10-Year Dividend Payout Range
Min: 0.16  Med: 0.60 Max: 24
Current: 0.57
0.16
24
Yield on cost (5-Year) 3.84
FNB's Yield on cost (5-Year) is ranked higher than
60% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. FNB: 3.84 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FNB' s 10-Year Yield on cost (5-Year) Range
Min: 3.29  Med: 5.03 Max: 16.7
Current: 3.84
3.29
16.7
Share Buyback Rate -10.60
FNB's Share Buyback Rate is ranked lower than
78% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FNB: -10.60 )
Ranked among companies with meaningful Share Buyback Rate only.
FNB' s 10-Year Share Buyback Rate Range
Min: -2.1  Med: -11.50 Max: -29.1
Current: -10.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.01
FNB's Price/Tangible Book is ranked lower than
87% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FNB: 2.01 )
Ranked among companies with meaningful Price/Tangible Book only.
FNB' s 10-Year Price/Tangible Book Range
Min: 0.59  Med: 1.94 Max: 4.64
Current: 2.01
0.59
4.64
Price/Projected FCF 0.43
FNB's Price/Projected FCF is ranked higher than
76% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. FNB: 0.43 )
Ranked among companies with meaningful Price/Projected FCF only.
FNB' s 10-Year Price/Projected FCF Range
Min: 0.27  Med: 0.62 Max: 2.26
Current: 0.43
0.27
2.26
Price/Median PS Value 1.00
FNB's Price/Median PS Value is ranked higher than
58% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FNB: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
FNB' s 10-Year Price/Median PS Value Range
Min: 0.31  Med: 0.88 Max: 2.04
Current: 1
0.31
2.04
Price/Peter Lynch Fair Value 1.39
FNB's Price/Peter Lynch Fair Value is ranked lower than
74% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FNB: 1.39 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FNB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.45  Med: 1.05 Max: 3.21
Current: 1.39
0.45
3.21
Price/Graham Number 1.07
FNB's Price/Graham Number is ranked lower than
72% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. FNB: 1.07 )
Ranked among companies with meaningful Price/Graham Number only.
FNB' s 10-Year Price/Graham Number Range
Min: 0.39  Med: 1.23 Max: 2.39
Current: 1.07
0.39
2.39
Earnings Yield (Greenblatt) (%) 5.40
FNB's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FNB: 5.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FNB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 4.75 Max: 6.2
Current: 5.4
0.8
6.2
Forward Rate of Return (Yacktman) (%) 29.89
FNB's Forward Rate of Return (Yacktman) (%) is ranked higher than
75% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. FNB: 29.89 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FNB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -17.8  Med: 17.70 Max: 42.5
Current: 29.89
-17.8
42.5

Analyst Estimate

Dec15 Dec16
EPS($) 0.90 1.01
EPS without NRI($) 0.90 1.01

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:FN2.Germany,
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 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
First National Bank Promotes Donatelli to Lead Pittsburgh Region Aug 28 2015
First National Bank Honored as Top Workplace in Pittsburgh Aug 27 2015
FNB CORP/FL/ Financials Aug 20 2015
F.N.B. Corporation Declares Dividend of 12 Cents on Common Stock Aug 19 2015
First National Bank president to retire next month Aug 18 2015
First National Bank President John C. Williams, Jr., Announces Retirement Aug 18 2015
F.N.B. Corp. (Pennsylvania) Earnings Q2*, 2015 Aug 13 2015
FNB CORP/FL/ Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial Statements... Aug 07 2015
FNB CORP/FL/ Files SEC form 10-Q, Quarterly Report Aug 07 2015
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F.N.B. rachets up the ranks of Pennsylvania's biggest banks with latest deal Aug 04 2015
FNB CORP/FL/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 04 2015
F.N.B. to buy Harrisburg-based bank for $474M Aug 04 2015
F.N.B. Corporation Expands Central Pennsylvania Presence with the Acquisition of Metro Bancorp, Inc. Aug 04 2015
F.N.B. Corporation Receives Final Regulatory Approval for Acquisition of Five Branches in... Jul 31 2015
Edited Transcript of FNB earnings conference call or presentation 23-Jul-15 2:00pm GMT Jul 23 2015
FNB CORP/FL/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Jul 23 2015
F.N.B. meets 2Q profit forecasts Jul 23 2015
F.N.B. meets 2Q profit forecasts Jul 23 2015
F.N.B. Corporation Reports Record Revenue and Operating Net Income Jul 23 2015

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