F N BFNB +0.84%71 Net Margin % is 30.44% as of Mar. 2026, which is 1% below its 10-year median of 30.65. GuruFocus rates FNB with a GF Score™ of 71/100 and a GF Value™ of $16.58 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,526 Banks companies, F N B ranks better than 68.81% on this metric.
Net margin is calculated as Net Income divided by its Revenue. F N B's Net Income for the
three
months ended in Mar. 2026 was $137 Mil. F N B's Revenue for the
three
months ended in Mar. 2026 was $450 Mil. Therefore, F N B's net margin for the quarter that ended in Mar. 2026 was 30.44%.
The historical rank and industry rank for F N B's Net Margin % or its related term are showing as below:
FNB'
s Net Margin % Range Over the Past 10 Years
Min: 18.12 Med: 30.65 Max: 32.74
Current: 32.43
FNB's Net Margin % is ranked better than 68.81% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FNB: 32.43
F N B (NYSE:FNB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
F N B Net Margin % Related Terms
F N B Net Margin % Historical Data
* Premium members only.
The historical data trend for F N B's Net Margin % 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, F N B's Net Margin %, along with its competitors' market caps and Net Margin % 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.
F N B Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, F N B's Net Margin % distribution charts can be found below:
* The bar in red indicates where F N B's Net Margin % falls into.
* 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.
F N B (FNB) has a Net Margin % of 30.44% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on F N B and its competitors. This is near median its historical median of 30.65. Over the past decade, F N B's Net Margin % has ranged from 18.12 to 32.74. According to the industry distribution chart, F N B ranks #476 out of 1526 companies in the Banks industry, placing it in the top 31.2%.
Is F N B's Net Margin % too high?
F N B's current Net Margin % of 30.44% is near median its 10-year median of 30.65. Over the past 10 years, this metric has ranged from a low of 18.12 to a high of 32.74. The Banks industry median Net Margin % is 26.97. F N B's value of 30.44% is 12.9% above this industry median. Based on the distribution chart, F N B ranks #476 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, F N B has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does F N B's Net Margin % compare to GBCI and UBSI?
According to the Banks industry distribution chart, F N B ranks #476 out of 1526 companies for Net Margin %. This puts F N B in the upper half of its industry. The industry median Net Margin % is 26.97. F N B's value of 30.44% is 12.9% above this benchmark. Historically, F N B's own Net Margin % has ranged from 18.12 to 32.74 over the past decade. While the company's 10-year median is 30.65 vs. the industry median of 26.97, F N B has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. F N B's current Net Margin % of 30.44% is 12.9% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on F N B and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F N B's current Net Margin % is 30.44%, which is near median its own 10-year median of 30.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is F N B stock overvalued right now?
Based on GuruFocus' analysis, F N B (FNB) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.58, compared to a current price of $19.14 — trading 15.4% above its estimated fair value. The current Net Margin % is 30.44%, which is near median its 10-year median of 30.65 and 12.9% above the Banks industry median of 26.97. F N B's overall GF Score™ is 71/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For F N B (FNB), the current Net Margin % is 30.44% as of Mar. 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 F N B (FNB) Overvalued in 2026?
Based on GuruFocus' analysis, F N B stock appears to be overvalued.
The current stock price of $19.14 is trading 15.4% above its estimated GF Value™ of $16.58.
GuruFocus considers F N B to be Modestly Overvalued.
Key valuation signals for FNB:
Net Margin %: 30.44% (near median its 10-year median of 30.65)
GF Value™: $16.58 vs. price of $19.14 (15.4% above fair value)
Industry Position: 12.9% above the Banks median (#476 of 1526)
No single metric tells the full story. See the FNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
F N B Corp provides a full range of financial services, principally to consumers, corporations, governments, and small- to medium-sized businesses. It has three reportable business segments: Community Banking, Wealth Management, and Insurance. The majority of revenue is from the Community banking segment. It offers commercial & consumer banking services. Commercial banking solutions include corporate banking, small business banking, investment real estate financing, business credit, capital markets & lease financing. Consumer banking products & services include deposit products, mortgage lending, & consumer lending & a complete suite of mobile & online banking services.
71GF Score
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