F.N.B. (FNB) Stock: Buy, Sell, or Hold?
FNB - F.N.B. Corp
$18.31
0.05 (0.27%)
▲
5d:
-0.87%
30d:
-4.98%
90d:
+0.11%
BUY
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 15, 2026
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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 1.3% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: FNB shows positive signals but monitor for confirmation. Market pricing in 1.3% annual growth which appears achievable. Moderate conviction.
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 $18.31, which is considered slightly low relative to its 30-day fair value range of $18.28 to $19.17. The stock's valuation (Forward PE: 9.8) is in line with its historical norms (9.4). At these levels, the market is pricing in 1.3% 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 currently testing key support at $17.80. 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 $21.06 (+15.0%). 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 $17.80. 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 $21.06 (+15.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$18.28 -
$19.17
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
89.0%
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 ($21.06)
- NEUTRAL: Market pricing in 1.3% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 64/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$18.28 -
$19.17
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$17.80
Resistance Level
$18.72
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.77
Wall Street Target
$21.06
(+15.0%)
Revenue Growth (YoY)
6.8%
Earnings Growth (YoY)
16.2%
Profit Margin
34.6%
Valuation Premium vs History
+1.3% premium
PE vs Historical
9.8 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.3%
(market-implied from PE analysis)
1-Year Target
$18.55
(+1%)
2-Year Target
$18.79
(+3%)
3-Year Target
$19.03
(+4%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$18.31
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 11.0%)
$51.74
(+183%)
Base:
(SPY PE: 9.8, Growth: 11.0%)
$25.07
(+37%)
Bear:
(PE: 8.3, Growth: 11.0%)
$21.31
(+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: 10.80 | Current EPS (TTM): $1.69
Bull Case
$22.27
(+22%)
Analyst growth 10.9%, PE expands to 11.9
Base Case
$20.25
(+11%)
Market implied 10.9%, PE stable at 10.8
Bear Case
$12.42
(-32%)
Severe decline -20.0%, PE contracts to 9.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 11, 2026 8:34 PM ET
Data refreshes hourly during market hours. Next update: 9:34 PM
Data refreshes hourly during market hours. Next update: 9:34 PM
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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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