FNB — F.N.B. Corp

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About F.N.B. Corp

F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including small business banking, investment real es… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$17.55
Market Cap$6.22B
Float349.9M
Shares Outstanding356.0M
P/E (Forward)9.73
P/E (TTM)10.79
Price/Sales (TTM)3.62
vs. Analyst Target+17.5% to analyst PT
Profit Margin34.08%
Operating Margin (TTM)41.88%
Revenue (TTM)$1.72B
Earnings Growth (YoY)18.80%
Dividend Rate0.5%
Analyst Target Price$20.63 (9 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $1.44B $286M $1.11B $340M
2021 $1.33B $405M $1.24B $513M
2022 $1.61B $439M $1.38B $626M
2023 $2.23B $485M $1.50B $662M
2024 $2.57B $465M $1.52B $622M
2025 $2.69B $565M $1.68B $669M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $674M $130M
Sep 2025 $694M $150M
Dec 2025 $680M $169M
Mar 2026 $660M $137M

Ownership & Float

Insider Ownership1.5%
Institutional Ownership89.5%
Short Float7.1%
% of All Funds Holding5.78%
Number of Funds Holding475

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$17.39Near-term / short-term trend
Weekly40-Week SMA$16.89Medium-term trend
Weekly80-Week SMA$15.78Cyclical trend (business cycle)
Weekly200-Week SMA$14.08Secular trend (multi-year)
Monthly10-Month SMA$16.89Near-term monthly trend
Monthly20-Month SMA$15.81Medium-term monthly trend
Monthly40-Month SMA$14.34Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$15.00 support 2.22x 8 months ago
$13.80 support 1.16x 10 months ago

Historical Earnings Reactions (121 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.15% 0.00% 45.45% 5.51% -3.98%
1 Day 0.05% -0.28% 43.80% 17.07% -6.78%
1 Week 0.50% -0.25% 46.28% 15.24% -8.75%
2 Weeks 1.32% 0.74% 57.02% 41.77% -13.38%
1 Month 1.35% 1.37% 61.16% 20.60% -20.97%

Next earnings: July 16, 2026 (48 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan-1.3%45.0%40
Feb1.7%57.5%40
Mar0.6%62.5%40
Apr0.9%45.0%40
May-1.0%38.5%39
Jun0.2%56.4%39
Jul1.3%46.2%39
Aug-1.1%46.2%39
Sep0.6%43.6%39
Oct1.2%47.5%40
Nov2.1%60.0%40
Dec0.2%55.0%40

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday -0.08% 40.5% 1887
Tuesday 0.08% 41.8% 2054
Wednesday 0.04% 41.2% 2052
Thursday 0.09% 41.5% 2012
Friday 0.05% 42.5% 2003

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 89.5%

Insider Transactions — Smart Summary

Total insider ownership: 1.5%

12-Month Insider Activity Summary

Total Filings2
Net Value-$935,130
Net Shares Change-55,000
% of Float-0.0%
C-Suite Filings2
Clusters Detected0

Key Insiders

NameTitleNet ValueFilingsActivity
Dutey James L Corporate Controller -$670,080 1 1 sell
GUERRIERI GARY L Chief Credit Officer -$265,050 1 1 sell

Significant Filings

DateInsiderTitleNet ValuePrice After
2025-12-03 Dutey James L Corporate Controller -$670,080 Transaction at $16.75, now +4.8%
2025-12-12 GUERRIERI GARY L Chief Credit Officer -$265,050 Transaction at $17.67, now -0.7%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for F.N.B. Corp (FNB) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for FNB on Trend Edge →