FNB Corporation

FNB US Financials Regional Banks
S&P 400
$18.31
+0.27%
Delayed · cached 15 min

Fair value analysis

FNB
FNB Corporation
FinancialsRegional Banks
$18.31
Close used for this calculation
$21.08Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
67/100
Profitability19/25
Returns11/25
Balance Sheet14/25
Efficiency23/25
Growth11/25
Strong
Quality radar
67Prof.19/25Ret.11/25Eff.23/25B.Sht14/25Growth11/25

Consensus fair value

$21.08
Below FV
▲ +15.1% against the close used
Model range $9.77 – $31.20
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$9.77Fair value$21.08Bull$31.20
FairClose
52-week traded range
52W low $14.6552W high $19.49

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

FNB Corporation closed at $18.31, 13.1% below the consensus fair value of $21.08 drawn from 9 valuation models.

Financial DNA score 67/100 — Strong. P/E of 11.7x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$17.61
-3.8%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=6.3%, r=10%, tg=3%, n=10yr
Graham Number
$25.87
+41.3%
√(22.5 × EPS × BVPS)
EPS=1.56, BVPS=19.07
P/E Fair Value
$31.20
+70.4%
EPS × 20x (sector P/E)
EPS=1.56, Sector P/E=20x
Peter Lynch (PEG)
$9.77
-46.7%
EPS × Growth% (PEG = 1 is fair)
EPS=1.56, g=6.3%
EV/EBITDA
$23.12
+26.3%
(EBITDA × 13.1x − Net Debt) ÷ Shares
EBITDA=746M
Dividend Discount (DDM)
$13.63
-25.6%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=0.48, r=10%, g=6.3%
Book Value (P/B)
$10.78
-41.1%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=19.07, ROE=8.3%, g=6%, r=10%
Reverse DCF
$18.31
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -0.1% | Historical: 6.3%
Margin of Safety
$18.67
+2.0%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=24.89, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.