FNB Stock Analysis: Buy, Sell, or Hold?
FNB - F.N.B. Corp
$18.90
-0.09 (-0.47%)
▼
5d:
-0.79%
30d:
-2.73%
90d:
+5.88%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 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 2.5% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: FNB shows positive signals but monitor for confirmation. Market pricing in 2.5% 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
$25.61
Based on 7.9% avg growth
INTRINSIC VALUE TODAY
$15.90
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 9.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FNB is currently trading at $18.90, which is considered fair relative to its 30-day fair value range of $18.73 to $19.22. The stock's valuation (Forward PE: 10.0) is in line with its historical norms (9.3). At these levels, the market is pricing in 2.5% 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 $18.50. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $20.94 (+10.8%). 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 $18.50. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $20.94 (+10.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$18.73 -
$19.22
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($20.94)
- NEUTRAL: Market pricing in 2.5% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$18.73 -
$19.22
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$18.51
Resistance Level
$19.31
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.02
Wall Street Target
$20.94
(+10.8%)
Revenue Growth (YoY)
6.9%
Earnings Growth (YoY)
16.8%
Profit Margin
34.6%
Valuation Premium vs History
+2.5% premium
PE vs Historical
10.0 vs 9.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.5%
(market-implied from PE analysis)
1-Year Target
$19.37
(+3%)
2-Year Target
$19.86
(+5%)
3-Year Target
$20.35
(+8%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$18.89
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 11.8%)
$54.61
(+189%)
Base:
(SPY PE: 10.0, Growth: 11.8%)
$26.40
(+40%)
Bear:
(PE: 8.5, Growth: 11.8%)
$22.44
(+19%)
📈
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: 11.30 | Current EPS (TTM): $1.68
Bull Case
$23.45
(+24%)
Analyst growth 12.3%, PE expands to 12.4
Base Case
$21.32
(+13%)
Market implied 12.3%, PE stable at 11.3
Bear Case
$12.91
(-32%)
Severe decline -20.0%, PE contracts to 9.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 2:47 PM ET
Data refreshes hourly during market hours. Next update: 3:47 PM
Data refreshes hourly during market hours. Next update: 3:47 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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