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FNBFIDS 63 EV-to-FCF is 0.41 as of Jul. 30, 2026. GuruFocus rates FIDS with a GF Score™ of 63/100 and a GF Value™ of $22.60 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,191 Banks companies, FNB ranks better than 82.28% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, FNB's Enterprise Value is $0.77 Mil.
FNB's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.87 Mil. Therefore, FNB's EV-to-FCF for today is 0.41.
The historical rank and industry rank for FNB's EV-to-FCF or its related term are showing as below:
FIDS'
s EV-to-FCF Range Over the Past 10 Years
Min: -12.87 Med: -0.65 Max: 3.8
Current: 0.41
During the past 12 years, the highest EV-to-FCF of FNB was 3.80. The lowest was -12.87. And the median was -0.65.
FIDS's EV-to-FCF is ranked better than 82.28% of 1191
companies
in the Banks industry
Industry Median: 7.24
vs FIDS: 0.41
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-07-30), FNB's stock price is $29.919.
FNB's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.820. Therefore, FNB's PE Ratio (TTM) for today is 10.61.
FNB (OTCPK:FIDS) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
FNB's share price for today is $29.919.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FNB's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.820.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
FNB EV-to-FCF Related Terms
FNB EV-to-FCF Historical Data
* Premium members only.
The historical data trend for FNB's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, FNB's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
FNB EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, FNB's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where FNB's EV-to-FCF falls into.
FNB's current Enterprise Value is $0.77 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FNB's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.87 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FNB (FIDS) has a EV-to-FCF of 0.41 as of Jul. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FNB and its competitors. According to the industry distribution chart, FNB ranks #211 out of 1191 companies in the Banks industry, placing it in the top 17.7%.
Is FNB's EV-to-FCF too high?
FNB's current EV-to-FCF is 0.41. The Banks industry median EV-to-FCF is 7.24. FNB's value of 0.41 is 94.3% below this industry median. Based on the distribution chart, FNB ranks #211 out of 1191 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, FNB has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FNB's EV-to-FCF compare to MSBB and LOGN?
According to the Banks industry distribution chart, FNB ranks #211 out of 1191 companies for EV-to-FCF. This places FNB in the top 18% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 7.24. FNB's value of 0.41 is 94.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.24, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FNB's current EV-to-FCF of 0.41 is 94.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FNB and its competitors. For the Banks industry, the median EV-to-FCF is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FNB's current EV-to-FCF is 0.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FNB stock overvalued right now?
Based on GuruFocus' analysis, FNB (FIDS) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.60, compared to a current price of $29.92 — trading 32.4% above its estimated fair value. The current EV-to-FCF is 0.41 and 94.3% below the Banks industry median of 7.24. FNB's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For FNB (FIDS), the current EV-to-FCF is 0.41 as of Jul. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is FNB (FIDS) Overvalued in 2026?
Based on GuruFocus' analysis, FNB stock appears to be overvalued.
The current stock price of $29.92 is trading 32.4% above its estimated GF Value™ of $22.60.
GuruFocus considers FNB to be Significantly Overvalued.
Key valuation signals for FIDS:
EV-to-FCF: 0.41
GF Value™: $22.60 vs. price of $29.92 (32.4% above fair value)
Industry Position: 94.3% below the Banks median (#211 of 1191)
No single metric tells the full story. See the FIDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FNB Inc is a bank holding company. The Company, through its subsidiaries, provides banking products and services. The company has the following segments: Commercial Real Estate, Commercial and Industrial, Other Commercial, Installments, and Other segments, with the majority of revenue from Commercial Real Estate.
63GF Score
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