FNB Stock Analysis: Buy, Sell, or Hold?
FNB - F.N.B. Corp
$18.83
0.13 (0.70%)
▲
5d:
-1.05%
30d:
+4.38%
90d:
+4.96%
BUY
MODERATE Confidence
Analysis Updated: Jul 10, 2026 12:00 AM ET
Earnings: Jul 16, 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 1.6% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: FNB shows positive signals but monitor for confirmation. Market pricing in 1.6% 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
$26.75
Based on 8.5% avg growth
INTRINSIC VALUE TODAY
$16.61
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 9.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FNB is currently trading at $18.83, which is considered slightly high relative to its 30-day fair value range of $17.77 to $19.07. The stock's valuation (Forward PE: 9.7) is in line with its historical norms (9.2). At these levels, the market is pricing in 1.6% 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 $18.33. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $21.12 (+12.2%). 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 approaching resistance at $18.33. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $21.12 (+12.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$17.77 -
$19.07
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
63.8%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($21.12)
- NEUTRAL: Market pricing in 1.6% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$17.77 -
$19.07
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$17.00
Resistance Level
$18.33
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.69
Wall Street Target
$21.13
(+12.2%)
Revenue Growth (YoY)
9.6%
Earnings Growth (YoY)
18.8%
Profit Margin
34.1%
Valuation Premium vs History
+1.6% premium
PE vs Historical
9.7 vs 9.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$19.13
(+2%)
2-Year Target
$19.44
(+3%)
3-Year Target
$19.75
(+5%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$18.74
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 12.9%)
$60.80
(+223%)
Base:
(SPY PE: 9.7, Growth: 12.9%)
$27.06
(+44%)
Bear:
(PE: 8.2, Growth: 12.9%)
$23.00
(+22%)
📈
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: 11.33 | Current EPS (TTM): $1.65
Bull Case
$24.22
(+29%)
Analyst growth 17.7%, PE expands to 12.5
Base Case
$22.01
(+17%)
Market implied 17.7%, PE stable at 11.3
Bear Case
$12.72
(-33%)
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: July 13, 2026 9:45 AM ET
Data refreshes hourly during market hours. Next update: 10:45 AM
Data refreshes hourly during market hours. Next update: 10:45 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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