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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
51% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. FNB: 0.11 )
FNB' s 10-Year Cash to Debt Range
Min: 0.1   Max: 0.66
Current: 0.11

0.1
0.66
Equity to Asset 0.13
FNB's Equity to Asset is ranked higher than
88% of the 2016 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: 0.06   Max: 0.13
Current: 0.13

0.06
0.13
Interest Coverage 4.84
FNB's Interest Coverage is ranked higher than
89% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. FNB: 4.84 )
FNB' s 10-Year Interest Coverage Range
Min: 0.27   Max: 4.84
Current: 4.84

0.27
4.84
F-Score: 5
Z-Score: 0.20
WACC vs ROIC
6.40%
4.01%
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 (%) 33.09
FNB's Operating margin (%) is ranked higher than
80% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. FNB: 33.09 )
FNB' s 10-Year Operating margin (%) Range
Min: 12.68   Max: 36.25
Current: 33.09

12.68
36.25
Net-margin (%) 23.06
FNB's Net-margin (%) is ranked higher than
78% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.03 vs. FNB: 23.06 )
FNB' s 10-Year Net-margin (%) Range
Min: 10.53   Max: 26
Current: 23.06

10.53
26
ROE (%) 7.51
FNB's ROE (%) is ranked higher than
72% of the 2051 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. FNB: 7.51 )
FNB' s 10-Year ROE (%) Range
Min: 4.18   Max: 15.75
Current: 7.51

4.18
15.75
ROA (%) 0.96
FNB's ROA (%) is ranked higher than
80% of the 2054 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. FNB: 0.96 )
FNB' s 10-Year ROA (%) Range
Min: 0.48   Max: 1.34
Current: 0.96

0.48
1.34
ROC (Joel Greenblatt) (%) 14.42
FNB's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. FNB: 14.42 )
FNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 9.05   Max: 130.54
Current: 14.42

9.05
130.54
Revenue Growth (3Y)(%) 1.90
FNB's Revenue Growth (3Y)(%) is ranked higher than
76% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FNB: 1.90 )
FNB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -12.6   Max: 5.2
Current: 1.9

-12.6
5.2
EBITDA Growth (3Y)(%) 8.90
FNB's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. FNB: 8.90 )
FNB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -26.7   Max: 21.3
Current: 8.9

-26.7
21.3
EPS Growth (3Y)(%) 4.60
FNB's EPS Growth (3Y)(%) is ranked higher than
71% of the 1604 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. FNB: 4.60 )
FNB' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.5   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

Q1 2014

FNB Guru Trades in Q1 2014

Richard Snow 175,790 sh (+18.27%)
Paul Tudor Jones Sold Out
Joel Greenblatt 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
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
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.10
FNB's P/E(ttm) is ranked higher than
74% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. FNB: 16.10 )
FNB' s 10-Year P/E(ttm) Range
Min: 10.52   Max: 85.68
Current: 16.1

10.52
85.68
Forward P/E 12.97
FNB's Forward P/E is ranked higher than
75% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.08 vs. FNB: 12.97 )
N/A
PE(NRI) 16.40
FNB's PE(NRI) is ranked higher than
77% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. FNB: 16.40 )
FNB' s 10-Year PE(NRI) Range
Min: 10.53   Max: 83.78
Current: 16.4

10.53
83.78
P/B 1.20
FNB's P/B is ranked higher than
72% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. FNB: 1.20 )
FNB' s 10-Year P/B Range
Min: 0.56   Max: 4.34
Current: 1.2

0.56
4.34
P/S 3.49
FNB's P/S is ranked higher than
63% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.71 vs. FNB: 3.49 )
FNB' s 10-Year P/S Range
Min: 1.37   Max: 4.44
Current: 3.49

1.37
4.44
PFCF 5.10
FNB's PFCF is ranked higher than
92% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNB: 5.10 )
FNB' s 10-Year PFCF Range
Min: 1.36   Max: 32.52
Current: 5.1

1.36
32.52
POCF 4.97
FNB's POCF is ranked higher than
92% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 48.59 vs. FNB: 4.97 )
FNB' s 10-Year POCF Range
Min: 1.3   Max: 14.85
Current: 4.97

1.3
14.85
EV-to-EBIT 22.83
FNB's EV-to-EBIT is ranked higher than
69% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.66 vs. FNB: 22.83 )
FNB' s 10-Year EV-to-EBIT Range
Min: 16.2   Max: 129.8
Current: 22.83

16.2
129.8
PEG 1.37
FNB's PEG is ranked higher than
91% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNB: 1.37 )
FNB' s 10-Year PEG Range
Min: 0.53   Max: 20.44
Current: 1.37

0.53
20.44
Shiller P/E 18.40
FNB's Shiller P/E is ranked higher than
83% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNB: 18.40 )
FNB' s 10-Year Shiller P/E Range
Min: 5.09   Max: 20.92
Current: 18.4

5.09
20.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.72
FNB's Dividend Yield is ranked higher than
74% of the 1923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.36 vs. FNB: 3.72 )
FNB' s 10-Year Dividend Yield Range
Min: 3.58   Max: 16.7
Current: 3.72

3.58
16.7
Dividend Payout 0.60
FNB's Dividend Payout is ranked higher than
64% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FNB: 0.60 )
FNB' s 10-Year Dividend Payout Range
Min: 0.17   Max: 2.18
Current: 0.6

0.17
2.18
Yield on cost (5-Year) 3.70
FNB's Yield on cost (5-Year) is ranked higher than
68% of the 1933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FNB: 3.70 )
FNB' s 10-Year Yield on cost (5-Year) Range
Min: 3.58   Max: 16.7
Current: 3.7

3.58
16.7
Share Buyback Rate -10.60
FNB's Share Buyback Rate is ranked higher than
59% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.20 vs. FNB: -10.60 )
FNB' s 10-Year Share Buyback Rate Range
Min: -2.1   Max: -29.1
Current: -10.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.20
FNB's Price/Tangible Book is ranked higher than
62% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FNB: 2.20 )
FNB' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 4.91
Current: 2.2

0.52
4.91
Price/DCF (Projected) 0.50
FNB's Price/DCF (Projected) is ranked higher than
92% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNB: 0.50 )
FNB' s 10-Year Price/DCF (Projected) Range
Min: 0.35   Max: 1.51
Current: 0.5

0.35
1.51
Price/Median PS Value 1.00
FNB's Price/Median PS Value is ranked higher than
83% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FNB: 1.00 )
FNB' s 10-Year Price/Median PS Value Range
Min: 0.38   Max: 1.39
Current: 1

0.38
1.39
Price/Peter Lynch Fair Value 1.40
FNB's Price/Peter Lynch Fair Value is ranked higher than
91% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNB: 1.40 )
FNB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.66   Max: 1.88
Current: 1.4

0.66
1.88
Price/Graham Number 1.20
FNB's Price/Graham Number is ranked higher than
73% of the 2686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. FNB: 1.20 )
FNB' s 10-Year Price/Graham Number Range
Min: 0.34   Max: 2.23
Current: 1.2

0.34
2.23
Earnings Yield (Greenblatt) 4.40
FNB's Earnings Yield (Greenblatt) is ranked higher than
61% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 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) 29.68
FNB's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. FNB: 29.68 )
FNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -22.6   Max: 39.7
Current: 29.68

-22.6
39.7

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 FNB

Headlines

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F.N.B. Corp. Reports Operating Results (10-K) Feb 25 2011 
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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 21 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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