FNB Corp Profitability Analysis

FNB Stock  USD 17.56  0.05  0.28%   
Considering FNB Corp's profitability and operating efficiency indicators, FNB Corp's profitability may be sliding down. It has an above-average probability of reporting lower numbers next quarter. Profitability indicators assess FNB Corp's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
1988-03-31
Previous Quarter
130 M
Current Value
150 M
Quarterly Volatility
40.4 M
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
At present, FNB Corp's EV To Sales is projected to slightly decrease based on the last few years of reporting. The current year's Sales General And Administrative To Revenue is expected to grow to 0.20, whereas Price To Sales Ratio is forecasted to decline to 1.44. At present, FNB Corp's Operating Income is projected to increase significantly based on the last few years of reporting. The current year's Net Income is expected to grow to about 561.5 M, whereas Accumulated Other Comprehensive Income is projected to grow to (144.5 M). At present, FNB Corp's Gross Profit is projected to increase significantly based on the last few years of reporting. The current year's Gross Profit Margin is expected to grow to 0.54, whereas Pretax Profit Margin is forecasted to decline to 0.17.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.540.53
Fairly Up
Slightly volatile
Net Profit Margin0.130.16
Significantly Down
Pretty Stable
Operating Profit Margin0.170.19
Moderately Down
Very volatile
Pretax Profit Margin0.170.19
Moderately Down
Very volatile
Return On Assets0.00710.0086
Significantly Down
Pretty Stable
Return On Equity0.10.0849
Fairly Up
Very volatile
For FNB Corp profitability analysis, we use financial ratios and fundamental drivers that measure the ability of FNB Corp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well FNB Corp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between FNB Corp's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of FNB Corp over time as well as its relative position and ranking within its peers.
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For information on how to trade FNB Stock refer to our How to Trade FNB Stock guide.The next projected EPS of FNB Corp is estimated to be 0.41 with future projections ranging from a low of 0.3725 to a high of 0.3775. FNB Corp's most recent 12-month trailing earnings per share (EPS TTM) is at 1.39. Please be aware that the consensus of earnings estimates for FNB Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
FNB Corp is projected to generate 0.41 in earnings per share on the 31st of December 2025. FNB Corp earnings estimates show analyst consensus about projected FNB Corp EPS (Earning Per Share). It derives the highest and the lowest estimates based on FNB Corp's historical volatility. Many public companies, such as FNB Corp, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm. By analyzing FNB Corp's earnings estimates, investors can diagnose different trends across FNB Corp's analyst sentiment over time as well as compare current estimates against different timeframes.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of FNB Corp. If investors know FNB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about FNB Corp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.367
Dividend Share
0.48
Earnings Share
1.39
Revenue Per Share
4.394
Quarterly Revenue Growth
0.105
The market value of FNB Corp is measured differently than its book value, which is the value of FNB that is recorded on the company's balance sheet. Investors also form their own opinion of FNB Corp's value that differs from its market value or its book value, called intrinsic value, which is FNB Corp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because FNB Corp's market value can be influenced by many factors that don't directly affect FNB Corp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between FNB Corp's value and its price as these two are different measures arrived at by different means. Investors typically determine if FNB Corp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, FNB Corp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

FNB Corp Return On Asset vs. Return On Equity Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining FNB Corp's current stock value. Our valuation model uses many indicators to compare FNB Corp value to that of its competitors to determine the firm's financial worth.
FNB Corp is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.13  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for FNB Corp is roughly  7.57 . At present, FNB Corp's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the FNB Corp's earnings, one of the primary drivers of an investment's value.

FNB Return On Asset vs. Return On Equity

Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.

FNB Corp

Return On Equity

 = 

Net Income

Total Equity

 = 
0.0787
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
Return on Asset or ROA shows how effective is the management of the company in generating income from utilizing all of the assets at their disposal. It is a useful ratio to evaluate the performance of different departments of a company as well as to understand management performance over time.

FNB Corp

Return On Asset

 = 

Net Income

Total Assets

 = 
0.0104
Return on Asset measures overall efficiency of a company in generating profits from its total assets. It is expressed as the percentage of profits earned per dollar of Asset. A low ROA typically means that a company is asset-intensive and therefore will needs more money to continue generating revenue in the future.

FNB Return On Asset Comparison

FNB Corp is currently under evaluation in return on asset category among its peers.

FNB Corp Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in FNB Corp, profitability is also one of the essential criteria for including it into their portfolios because, without profit, FNB Corp will eventually generate negative long term returns. The profitability progress is the general direction of FNB Corp's change in net profit over the period of time. It can combine multiple indicators of FNB Corp, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Accumulated Other Comprehensive Income-152.1 M-144.5 M
Operating Income638.2 M670.2 M
Net Income534.8 M561.5 M
Income Tax Expense103.5 M108.7 M
Income Before Tax638.2 M670.2 M
Total Other Income Expense Net-1.5 B-1.4 B
Net Income Applicable To Common Shares527.9 M554.2 M
Net Income From Continuing Ops534.8 M306.8 M
Net Interest Income1.5 BB
Interest Income2.6 B1.3 B
Change To Netincome239.6 M251.6 M
Net Income Per Share 1.48  1.16 
Income Quality 1.37  1.59 
Net Income Per E B T 0.75  0.62 

FNB Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on FNB Corp. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of FNB Corp position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the FNB Corp's important profitability drivers and their relationship over time.

FNB Corp Profitability Trends

FNB Corp profitability trend refers to the progression of profit or loss within a business. An upward trend means that FNB Corp's profit has generally increased over time, and a downward profitability trend means profits are declining. Recognizing problems early in profitability trends allows investors to address revenue and cost issues in advance. Investors and analysts usually monitor three types of profitability trends: gross, operating, and net. Gross profit is the difference between revenue and costs of goods sold. Operating profit is FNB Corp's gross profit minus its overhead. After you account for other unusual revenue, expenses, and costs, you get net profit. Gross profit trends are often a good indicator of future profitability. If you have high gross profit margins, you have a better chance to cover overhead and make money.

FNB Corp Profitability Drivers Correlations

One of the toughest challenges investors face today is learning how to quickly synthesize and read into endless financial statements and information provided by the company, SEC reporting, and various external parties. Understanding the correlation between FNB Corp different financial indicators related to revenue and profit generation helps investors identify and prioritize their investing strategies towards FNB Corp in a much-optimized way. Analyzing correlations between profit drivers that are directly associated with dollar figures is the most effective way to break down FNB Corp's future profitability.

FNB Corp Earnings Estimation Breakdown

The calculation of FNB Corp's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of FNB Corp is estimated to be 0.41 with the future projection ranging from a low of 0.3725 to a high of 0.3775. Please be aware that this consensus of annual earnings estimates for FNB Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
0.41
0.37
Lowest
Expected EPS
0.41
0.38
Highest

FNB Corp Earnings Projection Consensus

Suppose the current estimates of FNB Corp's value are higher than the current market price of the FNB Corp stock. In this case, investors may conclude that FNB Corp is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and FNB Corp's stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 31st of December 2025Current EPS (TTM)
894.36%
0.41
0.41
1.39

FNB Corp Earnings History

Earnings estimate consensus by FNB Corp analysts from Wall Street is used by the market to judge FNB Corp's stock performance. Investors also use these earnings estimates to evaluate and project the stock performance into the future in order to make their investment decisions. However, we recommend analyzing not only FNB Corp's upcoming profit reports and earnings-per-share forecasts but also comparing them to our different valuation methods.

FNB Corp Quarterly Gross Profit

433 Million

At present, FNB Corp's Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings Total Equity is expected to grow to about 1.7 B, whereas Earning Assets are forecasted to decline to about 7.2 B. The current year's Common Stock Shares Outstanding is expected to grow to about 437.9 M. The current year's Net Income Applicable To Common Shares is expected to grow to about 554.2 M.
Hype
Prediction
LowEstimatedHigh
15.9717.6019.23
Details
Intrinsic
Valuation
LowRealHigh
16.4118.0419.67
Details
Naive
Forecast
LowNextHigh
15.8317.4619.09
Details
9 Analysts
Consensus
LowTargetHigh
17.4619.1921.30
Details
Note that many institutional investors and large investment bankers can move markets due to the volume of FNB assets they manage. They also follow analysts to some degree and often drive overall investor sentiments towards FNB Corp. With so many stockholders watching consensus numbers, the difference between actual and projected earnings is one of the most critical factors driving FNB Corp's stock price in the short term.

FNB Corp Earnings per Share Projection vs Actual

Actual Earning per Share of FNB Corp refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering FNB Corp predict the company's earnings will be in the future. The higher the earnings per share of FNB Corp, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.

FNB Corp Estimated Months Earnings per Share

For an investor who is primarily interested in generating an income out of investing in entities such as FNB Corp, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of FNB Corp should always be considered in relation to other companies to make a more educated investment decision.

FNB Quarterly Analyst Estimates and Surprise Metrics

Earnings surprises can significantly impact FNB Corp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2025-10-16
2025-09-300.370.410.0410 
2025-07-17
2025-06-300.340.360.02
2025-04-16
2025-03-310.30.320.02
2025-01-22
2024-12-310.330.380.0515 
2024-10-17
2024-09-300.350.34-0.01
2024-07-17
2024-06-300.350.34-0.01
2024-04-17
2024-03-310.340.340.0
2024-01-18
2023-12-310.350.380.03
2023-10-18
2023-09-300.360.40.0411 
2023-07-19
2023-06-300.380.390.01
2023-04-19
2023-03-310.390.40.01
2023-01-23
2022-12-310.420.440.02
2022-10-18
2022-09-300.360.390.03
2022-07-20
2022-06-300.30.310.01
2022-04-18
2022-03-310.240.260.02
2022-01-19
2021-12-310.30.30.0
2021-10-18
2021-09-300.290.340.0517 
2021-07-19
2021-06-300.290.310.02
2021-04-19
2021-03-310.260.280.02
2021-01-19
2020-12-310.240.280.0416 
2020-10-19
2020-09-300.230.260.0313 
2020-07-16
2020-06-300.140.260.1285 
2020-04-23
2020-03-310.230.16-0.0730 
2020-01-21
2019-12-310.290.30.01
2019-10-17
2019-09-300.290.310.02
2019-07-23
2019-06-300.290.290.0
2019-04-23
2019-03-310.270.290.02
2019-01-22
2018-12-310.280.30.02
2018-10-23
2018-09-300.280.290.01
2018-07-24
2018-06-300.270.270.0
2018-04-24
2018-03-310.260.260.0
2018-01-23
2017-12-310.220.240.02
2017-10-19
2017-09-300.240.240.0
2017-07-20
2017-06-300.230.230.0
2017-04-25
2017-03-310.230.230.0
2017-01-18
2016-12-310.240.240.0
2016-10-19
2016-09-300.240.240.0
2016-07-21
2016-06-300.220.220.0
2016-04-22
2016-03-310.210.210.0
2016-01-21
2015-12-310.230.22-0.01
2015-10-22
2015-09-300.220.220.0
2015-07-23
2015-06-300.220.220.0
2015-04-23
2015-03-310.210.220.01
2015-01-22
2014-12-310.210.210.0
2014-10-22
2014-09-300.210.210.0
2014-07-22
2014-06-300.20.20.0
2014-04-23
2014-03-310.20.19-0.01
2014-01-21
2013-12-310.210.210.0
2013-10-17
2013-09-300.210.220.01
2013-07-23
2013-06-300.210.210.0
2013-04-23
2013-03-310.210.2-0.01
2013-01-23
2012-12-310.220.230.01
2012-10-22
2012-09-300.210.220.01
2012-07-23
2012-06-300.20.210.01
2012-04-23
2012-03-310.20.19-0.01
2012-01-23
2011-12-310.190.190.0
2011-10-19
2011-09-300.180.190.01
2011-07-25
2011-06-300.170.180.01
2011-04-25
2011-03-310.150.160.01
2011-01-24
2010-12-310.140.150.01
2010-10-25
2010-09-300.150.150.0
2010-07-26
2010-06-300.140.160.0214 
2010-04-26
2010-03-310.120.140.0216 
2010-01-25
2009-12-310.110.07-0.0436 
2009-10-22
2009-09-300.10.110.0110 
2009-07-23
2009-06-300.10.10.0
2009-04-23
2009-03-310.120.160.0433 
2009-01-26
2008-12-31-0.22-0.210.01
2008-10-23
2008-09-300.270.270.0
2008-07-21
2008-06-300.270.21-0.0622 
2008-04-17
2008-03-310.280.27-0.01
2008-01-17
2007-12-310.290.28-0.01
2007-10-18
2007-09-300.290.290.0
2007-07-19
2007-06-300.280.290.01
2007-04-19
2007-03-310.280.290.01
2007-01-18
2006-12-310.290.290.0
2006-10-19
2006-09-300.290.290.0
2006-07-20
2006-06-300.280.280.0
2006-04-20
2006-03-310.270.270.0
2006-01-23
2005-12-310.240.270.0312 
2005-10-20
2005-09-300.310.320.01
2005-07-21
2005-06-300.310.310.0
2005-04-21
2005-03-310.290.290.0
2005-01-20
2004-12-310.380.3-0.0821 
2004-10-20
2004-09-300.360.31-0.0513 
2004-07-21
2004-06-300.350.32-0.03
2004-04-19
2004-03-310.360.29-0.0719 
2004-01-22
2003-12-310.490.490.0
2003-10-15
2003-09-300.520.46-0.0611 
2003-07-15
2003-06-300.530.530.0
2003-04-15
2003-03-310.510.510.0
2003-01-16
2002-12-310.520.520.0
2002-10-15
2002-09-300.520.51-0.01
2002-07-16
2002-06-300.50.510.01
2002-04-16
2002-03-310.450.470.02
2002-01-15
2001-12-310.460.480.02
2001-10-16
2001-09-300.440.470.03
2001-07-17
2001-06-300.420.460.04
2001-04-17
2001-03-310.390.40.01
2001-01-17
2000-12-310.430.430.0
2000-10-17
2000-09-300.410.420.01
2000-07-17
2000-06-300.390.40.01
2000-04-13
2000-03-310.380.390.01
2000-01-18
1999-12-310.40.410.01
1999-10-19
1999-09-300.390.390.0
1999-07-15
1999-06-300.370.370.0
1999-04-19
1999-03-310.350.350.0
1999-01-15
1998-12-310.380.380.0
1998-10-19
1998-09-300.380.380.0
1998-07-16
1998-06-300.350.370.02
1998-04-20
1998-03-310.370.34-0.03
1998-01-15
1997-12-310.40.35-0.0512 
1997-10-17
1997-09-300.40.40.0
1997-07-18
1997-06-300.390.40.01
1997-04-16
1997-03-310.390.36-0.03
1995-01-23
1994-12-310.280.27-0.01
1994-10-19
1994-09-300.240.250.01
1994-07-14
1994-06-300.250.23-0.02
1994-04-20
1994-03-310.230.2-0.0313 

Use FNB Corp in pair-trading

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if FNB Corp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in FNB Corp will appreciate offsetting losses from the drop in the long position's value.

FNB Corp Pair Trading

FNB Corp Pair Trading Analysis

The ability to find closely correlated positions to FNB Corp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace FNB Corp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back FNB Corp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling FNB Corp to buy it.
The correlation of FNB Corp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as FNB Corp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if FNB Corp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for FNB Corp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

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When determining whether FNB Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of FNB Corp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Fnb Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Fnb Corp Stock:
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For information on how to trade FNB Stock refer to our How to Trade FNB Stock guide.
You can also try the Portfolio Anywhere module to track or share privately all of your investments from the convenience of any device.
To fully project FNB Corp's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of FNB Corp at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include FNB Corp's income statement, its balance sheet, and the statement of cash flows.
Potential FNB Corp investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although FNB Corp investors may work on each financial statement separately, they are all related. The changes in FNB Corp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on FNB Corp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.