F.N.B. (FNB) Stock: Buy, Sell, or Hold?
FNB - F.N.B. Corp
$17.16
0.23 (1.36%)
▲
5d:
-0.69%
30d:
-4.08%
90d:
-10.44%
BUY
MODERATE Confidence
Analysis Updated: Oct 15, 2026 12:00 AM ET
Earnings: Oct 19, 2026
2d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FNB shows positive signals but monitor for confirmation. Market pricing in 1.1% decline. Moderate conviction.
💡 BUY OPPORTUNITY: FNB shows positive signals but monitor for confirmation. Market pricing in 1.1% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$25.50
Based on 7.6% avg growth
INTRINSIC VALUE TODAY
$15.84
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 $17.16, which is considered slightly low relative to its 30-day fair value range of $17.14 to $18.04. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (9.4). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 16.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FNB is in a strong uptrend. The price is currently testing key support at $16.75. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FNB scores 64/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $20.56 (+19.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FNB is in a strong uptrend. The price is currently testing key support at $16.75. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FNB scores 64/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $20.56 (+19.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$17.14 -
$18.04
Company Quality Score
65/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
88.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (64/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($20.56)
- BULLISH: Bottoming setup score 64/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$17.14 -
$18.04
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$16.75
Resistance Level
$17.59
Current Trend
Strong Uptrend
Technical data as of
Oct 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.11
Wall Street Target
$20.56
(+19.8%)
Revenue Growth (YoY)
6.8%
Earnings Growth (YoY)
16.2%
Profit Margin
34.6%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
9.1 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$16.97
(-1%)
2-Year Target
$16.78
(-2%)
3-Year Target
$16.60
(-3%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$17.13
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 11.2%)
$51.47
(+200%)
Base:
(SPY PE: 9.1, Growth: 11.2%)
$23.61
(+38%)
Bear:
(PE: 7.7, Growth: 11.2%)
$20.07
(+17%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.08 | Current EPS (TTM): $1.68
Bull Case
$20.88
(+22%)
Analyst growth 12.1%, PE expands to 11.1
Base Case
$18.98
(+11%)
Market implied 12.1%, PE stable at 10.1
Bear Case
$11.51
(-33%)
Severe decline -20.0%, PE contracts to 8.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.1 to 9.4
Stabilization Target:
$17.71
(+3.2%)
PE Expansion Potential:
+3.2%
Share & Embed Analysis
Last updated: October 16, 2026 1:49 AM ET
Data refreshes hourly during market hours. Next update: 2:49 AM
Data refreshes hourly during market hours. Next update: 2:49 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
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