FNB · NYSE · STOCK
FNB (FNB) Stock Analysis
$17.62
52W $14.46 – $19.59
69/100
$6.38B
10.6
0.86
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is FNB Bullish or Bearish?
Bullish.
Innellis AI committee rates FNB Corporation (FNB) Buy with a composite score of 69/100
, based on 6 analysts with 67% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.46 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -13.54 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is low leverage (debt-to-equity 0.26) -- balance sheet can absorb a shock. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 10.5 is inexpensive for the broad market — Value
- Price-to-book of 0.9x is a discount to asset value — Value
- Dividend yield of 4.1% pays you to wait — Value
- Revenue growing 64.8% YoY -- genuine top-line momentum — Growth
- EPS growing 30.2% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- 2 consecutive earnings misses -- execution concerns — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 22, 2026
Overall Committee Score
69/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 16%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.5 is inexpensive for the broad market
Growth Analyst
bullish
69
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 64.8% YoY -- genuine top-line momentum
− 2 consecutive earnings misses -- execution concerns
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.26) -- balance sheet can absorb a shock
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score strengthened from 65.2 to 68.5.
- New bearish signals: 1 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
- Risk Analyst: score 75->80 (+5).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
33.6
Neutral
MACD Histogram
-0.029
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$16.99
Resistance
$18.34
Bollinger %B
0.10
Inside Bands
Price vs Moving Averages
EMA 9
$18.09
Below
EMA 21
$18.30
Below
EMA 50
$18.48
Below
EMA 200
$17.77
Below
Fundamental Analysis
Valuation
100
Growth
68
Profitability
63
Financial Health
44
Cash Flow
70
Valuation
P/E Ratio
10.6×
P/B Ratio
0.93×
PEG Ratio
0.33
Dividend Yield
2.79%
52W High
$19.59
52W Low
$14.46
Quality & Growth
ROE
836.5%
ROA
112.6%
Gross Margin
6441.5%
Operating Margin
2649.4%
Revenue Growth YoY
—
Debt / Equity
0.73
AI Fundamental Assessment
P/E ratio of 10.6 (inexpensive relative to a 15-40x range); Price-to-book of 0.9x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 8.4%; Return on assets of 1.1%; Net margin of 22.3%; Gross margin of 64.4%; Current ratio of 0.16 (tight short-term liquidity); Debt-to-equity of 0.73; Free cash flow per share is positive (1.76); Most recent quarter missed estimates by 0.8%; 2 consecutive earnings misses; EPS growth accelerating (-19.1% -> +10.5% QoQ); Analyst estimates rising over recent quarters
Get the Full FNB Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →