F.N.B. Corporation

OVERVALUEDFNB · NYSE · Financial Services
FNB·NYSE·Financial Services
OVERVALUED
F.N.B. Corporation
47.7%downside
MARKET PRICE
$17.84
FAIR PRICE
$9.33
MARGIN
$8.51
UNDERVALUEDFAIROVERVALUED
P/E RATIO
10.8x
DIV. YIELD
3.48%
ROE
8.8%
MARKET CAP
$6B
FPI
fairpriceindex.com

FAIR PRICE VALUATION

47.7%downside

Updated daily

Model: DCF 50% · Relative 30% · Consensus 20%

MARKET PRICE

$17.84

FAIR PRICE

$9.33

MARGIN

$8.51

UNDERVALUEDFAIROVERVALUED

P/E Ratio

10.8x

What is P/E? →

Div. Yield

3.48%

ROE

8.8%

Average

Market Cap

$6B

Mid-cap

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FPI RATING

4.8/ 10

Attractive valuation, but below-average fundamental quality and elevated debt levels.

Analytical data, not an investment recommendation. Updated daily.

How we calculate this ↗

MARGIN OF SAFETY

A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.

$7.46CONSERVATIVE ENTRY
$9.33FAIR PRICE
$17.84MARKET PRICE

SAFETY MARGIN

20%

Below fair value

ENTRY LEVEL

$7.46

Fair price × 0.80

DISTANCE

58.2%

Price to entry level

At the current price of $17.84, FNB trades 58.2% above the conservative entry level of $7.46. This entry level represents a 20% margin of safety below the calculated fair price of $9.33 — a buffer that accounts for estimation uncertainty in the valuation model.

Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗

VALUATION HISTORY

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P/E RATIO HISTORY

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METHODOLOGY

How we calculate FNB's fair price

F.N.B. Corporation's fair price of $9.33 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $17.84, FNB trades 47.7% above its calculated fair value.

DCF MODEL · 50%

Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting FNB's risk profile.

RELATIVE · 30%

Comparing FNB's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.

ANALYST · 20%

Aggregated analyst price targets for FNB, weighted by recency and analyst accuracy.

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Want to test your own assumptions? Use our free calculators to estimate FNB's fair value with your own inputs.

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FAQ

What is the fair price of FNB?+

Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for F.N.B. Corporation is $9.33. At the current market price of $17.84, FNB trades 47.7% above its calculated fair value.

Is FNB overvalued or undervalued?+

F.N.B. Corporation is currently overvalued based on our valuation model. The stock trades at $17.84, which is 47.7% above the fair price of $9.33. The P/E ratio of 10.8x is a key metric in the valuation.

What is the margin of safety for FNB?+

With a 20% margin of safety applied to the fair price of $9.33, the conservative entry level for FNB is $7.46. At the current market price of $17.84, the stock trades 58.2% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.

How often is FNB's fair price updated?+

We update fair price calculations for FNB daily after market close. The current fair price of $9.33 incorporates the latest market data and sector multiples.

What factors affect FNB's fair price calculation?+

FNB's fair price of $9.33 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 10.8x, ROE of 8.8%, and dividend yield of 3.48%.

Is FNB a good buy right now?+

At $17.84, FNB trades 47.7% above our fair value estimate of $9.33. The stock is currently overvalued. ROE stands at 8.8% (average). Fair Price Index provides valuation data — always do your own research before investing.

Does FNB pay dividends?+

FNB has a dividend yield of 3.48%.

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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.