FNB Corp Stock Financials

FNB
 Stock
  

USD 13.89  0.04  0.29%   

FNB Corp Net Income Per Employee is projected to increase significantly based on the last few years of reporting. The past year's Net Income Per Employee was at 96,890. The current year Enterprise Value is expected to grow to about 2.3 B, whereas Revenue Per Employee is forecasted to decline to about 273.2 K.
  
With this module, you can analyze FNB Corp financials for your investing period. You should be able to track the changes in FNB Corp individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.

FNB Corp Most Recent Estimates

Quarterly Earnings Growth YOY
0.12
EPS Estimate Next Quarter
0.4
Diluted Eps
1.13
EPS Estimate Current Year
1.36
EPS Estimate Next Year
1.58
EPS Estimate Current Quarter
0.36
Understanding current and past FNB Corp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of FNB Corp's financial statements are interrelated, with each one affecting the others. For example, an increase in FNB Corp's assets may result in an increase in income on the income statement.

Revenues

1.1 Billion

The financial analysis of FNB Corp is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for FNB Corp includes many different criteria found on its balance sheet. For example, investors should never minimize FNB Corp's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor FNB Corp's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in FNB Corp.

FNB Corp Cash

Chance Of Financial Distress
Less than 8
FNB Corp has less than 8 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for FNB Corp stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in FNB Corp's official financial statements usually reflect FNB Corp's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of FNB Corp. For example, before you start analyzing numbers published by FNB Corp accountants, it's critical to develop an understanding of what FNB Corp's liquidity, profitability, and earnings quality are in the context of the Banks space in which it operates.
Please note, the presentation of FNB Corp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, FNB Corp's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in FNB Corp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of FNB Corp. Please utilize our Beneish M Score to check the likelihood of FNB Corp's management to manipulate its earnings.

FNB Corp Company Summary

FNB Corp competes with Affinity Bancshares. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania. FNB Corp operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 3884 people.
Specialization
Financial Services, Banks-Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
CIK Number0000037808
ISINUS3025201019
RegionNorth America
Business AddressOne North Shore
SectorBanks
IndustryFinancials
BenchmarkNYSE Composite
Websitewww.fnb-online.com
Phone800 555 5455
CurrencyUSD - US Dollar
You should never invest in FNB Corp without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of FNB Corp Stock, because this is throwing your money away. Analyzing the key information contained in FNB Corp's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

FNB Corp Key Financial Ratios

Generally speaking, FNB Corp's financial ratios allow both analysts and investors to convert raw data from FNB Corp's financial statements into concise, actionable information that can be used to evaluate the performance of FNB Corp over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that FNB Corp reports annually and quarterly.

FNB Corp Key Balance Sheet Accounts

201720182019202020212022 (projected)
Long Term Debt358.11 M357 M405 M695 M682 M735.84 M
Accumulated Other Comprehensive Income(83 M)(106 M)(65 M)(39 M)(62 M)(66.89 M)
Total Assets31.42 B33.1 B34.62 B37.35 B39.51 B42.63 B
Cash and Equivalents479.44 M488 M599 M1.38 B3.49 B3.77 B
Cash and Equivalents USD479 M488 M599 M1.38 B3.49 B3.77 B
Total Debt4.35 B4.76 B4.56 B2.9 B2.22 B2.8 B
Total Debt USD4.35 B4.76 B4.56 B2.9 B2.22 B2.8 B
Deposit Liabilities22.4 B23.45 B24.79 B29.12 B31.73 B27.13 B
Shareholders Equity4.41 B4.61 B4.88 B4.96 B5.15 B5.56 B
Shareholders Equity USD4.41 B4.61 B4.88 B4.96 B5.15 B4.56 B
Goodwill and Intangible Assets2.34 B2.33 B2.33 B2.32 B2.3 B2.09 B
Investments26.92 B28.59 B29.71 B31.58 B31.81 B28.73 B
Total Liabilities27.01 B28.49 B29.73 B32.4 B34.36 B37.08 B
Property Plant and Equipment Net337 M330 M333 M332 M345 M322.28 M
Accumulated Retained Earnings Deficit368 M576 M798 M869 M1.11 B1.2 B

FNB Corp Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what FNB Corp's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income199 M373 M387 M286 M405 M341.58 M
Gross Profit1.04 B1.15 B1.17 B1.09 B1.24 B1.13 B
Net Income199.2 M373 M387 M286 M405 M436.97 M
Operating Expenses681 M695 M696 M750 M733 M689.8 M
Operating Income356 M452 M471 M343 M503 M435.43 M
Revenues1.23 B1.45 B1.54 B1.42 B1.33 B1.1 B
Income Tax Expense157 M79 M84 M57 M98 M93.85 M

FNB Corp Key Cash Accounts

Cash flow analysis captures how much money flows into and out of FNB Corp. It measures of how well FNB Corp is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money FNB Corp brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money FNB Corp had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what FNB Corp has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Capital Expenditure(57 M)(35 M)(46 M)(41 M)(58 M)(59.53 M)
Depreciation Amortization and Accretion89 M109 M45 M(3 M)10 M10.26 M
Net Cash Flow or Change in Cash and Cash Equivalents108 M9 M111 M784 M2.11 B2.28 B
Net Cash Flow Business Acquisitions and Disposals144.63 M246 M197 M134 M154.1 M164.34 M
Issuance Purchase of Equity Shares12.73 M18 M11 M(38 M)(43 M)(44.13 M)
Issuance Repayment of Debt Securities335 M410 M(198 M)(1.66 B)(680 M)(697.89 M)
Payment of Dividends and Other Cash Distributions(84.51 M)(102 M)(143 M)(157 M)(156 M)(168.32 M)
Net Cash Flow from Financing1.36 B1.32 B983 M2.49 B1.73 B1.87 B
Net Cash Flow from Investing(1.53 B)(1.92 B)(1.13 B)(1.82 B)(153 M)(165.08 M)
Net Cash Flow Investment Acquisitions and Disposals(1.62 B)(2.02 B)(1.08 B)(1.78 B)(95 M)(102.5 M)
Net Cash Flow from Operations278.91 M611 M259 M113 M530 M424.14 M

FNB Corp Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining FNB Corp's current stock value. Our valuation model uses many indicators to compare FNB Corp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across FNB Corp competition to find correlations between indicators driving FNB Corp's intrinsic value. More Info.
FNB Corp is one of the top stocks in shares owned by institutions category among related companies. It is rated # 2 in cash per share category among related companies fabricating about  0.08  of Cash per Share per Shares Owned by Institutions. The ratio of Shares Owned by Institutions to Cash per Share for FNB Corp is roughly  12.12 . As of December 5, 2022, Free Cash Flow is expected to decline to about 384.8 M. Comparative valuation analysis is a catch-all model that can be used if you cannot value FNB Corp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for FNB Corp's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the FNB Corp's earnings, one of the primary drivers of an investment's value.

FNB Corp Systematic Risk

FNB Corp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. FNB Corp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on FNB Corp correlated with the market. If Beta is less than 0 FNB Corp generally moves in the opposite direction as compared to the market. If FNB Corp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one FNB Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of FNB Corp is generally in the same direction as the market. If Beta > 1 FNB Corp moves generally in the same direction as, but more than the movement of the benchmark.
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About FNB Corp Financials

What exactly are FNB Corp Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include FNB Corp's income statement, its balance sheet, and the statement of cash flows. Potential FNB Corp investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although FNB Corp investors may use each financial statement separately, they are all related. The changes in FNB Corp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on FNB Corp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as FNB Corp is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of FNB Corp has grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

FNB Corp December 5, 2022 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of FNB Corp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of FNB Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of FNB Corp based on widely used predictive technical indicators. In general, we focus on analyzing FNB Corp Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build FNB Corp's daily price indicators and compare them against related drivers.
Downside Deviation1.39
Information Ratio0.0946
Maximum Drawdown8.93
Value At Risk(1.94)
Potential Upside3.63
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Is FNB Corp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of FNB Corp. If investors know FNB Corp will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about FNB Corp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY
0.12
Market Capitalization
4.9 B
Quarterly Revenue Growth YOY
0.15
Return On Assets
0.0097
Return On Equity
0.076
The market value of FNB Corp is measured differently than its book value, which is the value of FNB Corp that is recorded on the company's balance sheet. Investors also form their own opinion of FNB Corp's value that differs from its market value or its book value, called intrinsic value, which is FNB Corp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because FNB Corp's market value can be influenced by many factors that don't directly affect FNB Corp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between FNB Corp's value and its price as these two are different measures arrived at by different means. Investors typically determine FNB Corp value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, FNB Corp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.