FNB — F.N.B. Corp

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

Trend Edge Setup Score

Trend Edge rates FNB Bullish with a Setup Score of 38, net conviction 35, actionability 42. How the Setup Score works →

Total Setup Score38
Directional BiasBullish
Net Conviction35
Actionability42 (in range)

Key signals behind this score

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$18.46
Market Cap$6.60B
Float347.0M
Shares Outstanding356.0M
P/E (Forward)9.73
P/E (TTM)11.03
Price/Sales (TTM)3.78
vs. Analyst Target+14.1% to analyst PT
Profit Margin34.62%
Operating Margin (TTM)44.67%
Revenue (TTM)$1.74B
Earnings Growth (YoY)16.20%
Dividend Rate0.5%
Analyst Target Price$21.06 (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 $746M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Sep 2025 $694M $150M
Dec 2025 $680M $169M
Mar 2026 $660M $137M
Jun 2026 $675M $149M

Ownership & Float

Insider Ownership1.5%
Institutional Ownership94.7%
Short Float7.6%
% of All Funds Holding5.91%
Number of Funds Holding520

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$18.96Near-term / short-term trend
Weekly40-Week SMA$17.79Medium-term trend
Weekly80-Week SMA$16.29Cyclical trend (business cycle)
Weekly200-Week SMA$14.49Secular trend (multi-year)
Monthly10-Month SMA$17.68Near-term monthly trend
Monthly20-Month SMA$16.31Medium-term monthly trend
Monthly40-Month SMA$14.81Secular 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 11 months ago
$13.80 support 1.16x 13 months ago

Historical Earnings Reactions (122 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.13% 0.00% 45.08% 5.51% -3.98%
1 Day 0.03% -0.32% 43.44% 17.07% -6.78%
1 Week 0.48% -0.29% 45.90% 15.24% -8.75%
2 Weeks 1.31% 0.73% 57.38% 41.77% -13.38%
1 Month 1.35% 1.37% 61.16% 20.60% -20.97%

Next earnings: October 15, 2026 (49 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%37.5%40
Jun0.4%57.5%40
Jul1.2%45.0%40
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% 1900
Tuesday 0.08% 42.0% 2066
Wednesday 0.03% 41.2% 2065
Thursday 0.09% 41.6% 2025
Friday 0.05% 42.6% 2014

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 94.7%

Insider Transactions — Smart Summary

Total insider ownership: 1.5%

12-Month Insider Activity Summary

Total Filings4
Net Value-$1.4M
Net Shares Change-78,055
% of Float-0.0%
C-Suite Filings4
Clusters Detected0

Key Insiders

NameTitleNet ValueFilingsActivity
Dutey James L Corporate Controller -$670,080 1 1 sell
GUERRIERI GARY L Chief Credit Officer -$617,120 2 2 sell
David Bryant Mitchell Chief Wholesale Banking Office -$78,038.475 1 1 sell

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-08-07 David Bryant Mitchell Chief Wholesale Banking Office -$78,038.475 Transaction at $19.25, now -4.1%
2026-06-12 GUERRIERI GARY L Chief Credit Officer -$352,070 Transaction at $18.53, now -0.4%
2025-12-03 Dutey James L Corporate Controller -$670,080 Transaction at $16.75, now +10.2%
2025-12-12 GUERRIERI GARY L Chief Credit Officer -$265,050 Transaction at $17.67, now +4.5%

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 →