FNB · NASDAQ · STOCK
FNB Corporation
$18.97
52W $14.46 – $19.59
68/100
$6.75B
11.2
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 68/100
, based on 6 analysts with 83% agreement.
Last updated August 08, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.80 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 — -13.20 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 p/e of 11.1 is inexpensive for the broad market. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- P/E of 11.1 is inexpensive for the broad market — Value
- Price-to-book of 0.9x is a discount to asset value — Value
- Dividend yield of 2.7% 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 August 08, 2026
Overall Committee Score
68/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 30%
of 142 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 11.1 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
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
75
/ 100 · Moderate 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
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
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 61.2 to 68.2.
- Conviction changed from moderate to high.
- Committee agreement increased sharply from 60% to 83%.
- New bullish signals: 6 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) changed stance: Growth Analyst.
- New analyst(s) joined: Value Analyst.
Analyst-level changes:
- Growth Analyst: stance neutral->bullish; score 52->69 (+16); +2 bullish signal(s).
- News Analyst: score 52->58 (+5).
- Risk Analyst: score 70->75 (+5); +1 bullish signal(s).
- Value Analyst joined: bullish at 77.
Comparing 2026-08-07 to 2026-08-08 (1 day apart).
Technical Analysis
RSI (14)
46.7
Neutral
MACD Histogram
-0.028
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$16.99
Resistance
$19.13
Bollinger %B
0.40
Inside Bands
Price vs Moving Averages
EMA 9
$19.06
Below
EMA 21
$18.99
Below
EMA 50
$18.67
Above
EMA 200
$17.52
Above
Fundamental Analysis
Valuation
100
Growth
68
Profitability
63
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
11.2×
P/B Ratio
0.98×
PEG Ratio
0.35
Dividend Yield
2.58%
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
0.39
AI Fundamental Assessment
P/E ratio of 11.2 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of 0.4 (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 0.39; Free cash flow per share is positive (2.13); 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
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