FNB Stock Analysis: Buy, Sell, or Hold?
FNB - F.N.B. Corp
$19.48
0.15 (0.78%)
▲
5d:
+2.69%
30d:
-0.05%
90d:
+12.28%
HOLD
MODERATE Confidence
Analysis Updated: Aug 14, 2026 12:00 AM ET
Earnings: Oct 15, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FNB is fairly valued with market pricing in 3.6% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: FNB is fairly valued with market pricing in 3.6% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$25.25
Based on 7.5% avg growth
INTRINSIC VALUE TODAY
$15.68
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FNB is currently trading at $19.48, which is considered extended relative to its 30-day fair value range of $18.80 to $19.26. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.4) compared to its historical average (9.4). At these levels, the market is pricing in 3.6% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FNB is in a strong uptrend. The price is approaching resistance at $19.52. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 57/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, FNB is in a strong uptrend. The price is approaching resistance at $19.52. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 57/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$18.80 -
$19.26
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
47.1%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (57/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($21.06)
- NEUTRAL: Market pricing in 3.6% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (57/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$18.80 -
$19.26
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$18.79
Resistance Level
$19.52
Current Trend
Strong Uptrend
Technical data as of
Aug 14, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.40
Wall Street Target
$21.06
(+8.1%)
Revenue Growth (YoY)
6.8%
Earnings Growth (YoY)
16.2%
Profit Margin
34.6%
Valuation Premium vs History
+3.6% premium
PE vs Historical
10.4 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.6%
(market-implied from PE analysis)
1-Year Target
$20.18
(+4%)
2-Year Target
$20.91
(+7%)
3-Year Target
$21.66
(+11%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$19.59
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 11.0%)
$51.90
(+166%)
Base:
(SPY PE: 10.4, Growth: 11.0%)
$26.67
(+37%)
Bear:
(PE: 8.8, Growth: 11.0%)
$22.67
(+16%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.44 | Current EPS (TTM): $1.69
Bull Case
$23.58
(+21%)
Analyst growth 10.9%, PE expands to 12.6
Base Case
$21.43
(+10%)
Market implied 10.9%, PE stable at 11.4
Bear Case
$13.14
(-33%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 16, 2026 11:17 PM ET
Data refreshes hourly during market hours. Next update: 12:17 AM
Data refreshes hourly during market hours. Next update: 12:17 AM
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Technical Signals Check
Is FNB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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