F.N.B. (FNB) Stock: Buy, Sell, or Hold?
FNB - F.N.B. Corp
$17.24
0.03 (0.17%)
▲
5d:
-1.15%
30d:
-3.53%
90d:
-9.41%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Oct 15, 2026
12d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: FNB shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: FNB shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$24.94
Based on 7.3% avg growth
INTRINSIC VALUE TODAY
$15.48
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 $17.24, which is considered oversold relative to its 30-day fair value range of $17.57 to $18.45. The stock's valuation (Forward PE: 9.2) is in line with its historical norms (9.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.7% 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 $16.79. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FNB scores 11/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $20.83 (+20.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, FNB is in a strong uptrend. The price is currently testing key support at $16.79. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FNB scores 11/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $20.83 (+20.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$17.57 -
$18.45
Company Quality Score
46/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (11/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 20.8% below Wall St target ($20.83)
- WARNING: Composite score 46/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$17.57 -
$18.45
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$16.79
Resistance Level
$18.07
Current Trend
Strong Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.23
Wall Street Target
$20.83
(+20.8%)
Revenue Growth (YoY)
6.8%
Earnings Growth (YoY)
16.2%
Profit Margin
34.6%
Valuation Discount vs History
-0.7% cheaper
PE vs Historical
9.2 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.7%
(market-implied from PE analysis)
1-Year Target
$17.12
(-1%)
2-Year Target
$17.00
(-1%)
3-Year Target
$16.88
(-2%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$17.19
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 10.6%)
$51.56
(+199%)
Base:
(SPY PE: 9.2, Growth: 10.6%)
$23.33
(+35%)
Bear:
(PE: 7.8, Growth: 10.6%)
$19.83
(+15%)
📈
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: 10.24 | Current EPS (TTM): $1.68
Bull Case
$21.04
(+22%)
Analyst growth 11.1%, PE expands to 11.3
Base Case
$19.13
(+11%)
Market implied 11.1%, PE stable at 10.2
Bear Case
$11.70
(-32%)
Severe decline -20.0%, PE contracts to 8.7
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 9.2 to 9.4
Stabilization Target:
$17.55
(+1.8%)
PE Expansion Potential:
+1.8%
Share & Embed Analysis
Last updated: October 02, 2026 4:17 AM ET
Data refreshes hourly during market hours. Next update: 5:17 AM
Data refreshes hourly during market hours. Next update: 5:17 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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