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$18.53 +0.00 (+0.00%) At close · Aug 21
Market Cap
$6.54B
Shares
353.00M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$18.53 Open$18.68 Day$18.44–18.75 52W close$14.65–19.49 Avg vol 30d5.4M Short int26.4M · 7.5% float · 3.8d Short vol70% Last earningsJul 17, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 5

Up next

Next earnings call
Oct 16, 2026 Est · unconfirmed · in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 5, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Neutral Momentum Neutral Sentiment Bullish Fundamentals Excellent Quant / Vol Very Low
      Market backdrop VIX 15.1 · calm Equity put/call 0.51
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +5%
      above
      Price vs 50-day avg −2%
      below
      RSI (14) 40
      neutral
      MACD trend Negative
      52-week position 80%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Neutral
      1-month return −3%
      trailing
      6-month return +8%
      trailing
      YTD return +8%
      this year
      Relative strength −4%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $19 › 200d $18 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +69 funds added
      Insider flow Distributing
      Net -$430.1K over 90 days · 100% sells
      Short interest Falling
      7.48% of float · ▼ -15.3% MoM · 3.8 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      521 holders — near 3-yr high, broad support
      Squeeze score 50
      elevated · 0–100
      Fundamentals
      Excellent
      EPS growth +23%
      Y/Y
      Free cash flow $376.0M
      Valuation P/E 11
      below peers
      Buyback $300.0M
      remaining
      Balance sheet $1.4B
      net debt
      Quant / Vol
      risk profile
      Very Low
      Volatility 25%
      annualized · 1-yr
      Max drawdown −16%
      past year
      ATR 1.9%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Mar 31, 2026
      Net interest income · full year 2026 $1.5B – $1.54B
      Prior guidance period ended · from the Earnings Call filed Mar 31, 2024
      Net interest income · full year 2024 $1.3B – $1.35B
      Net interest income · second quarter 2024 $315M – $325M
      Non-interest income · full year 2024 $325M – $345M
      Non-interest expense · full year 2024 $895M – $915M
      Non-interest income · second quarter 2024 $80M – $85M
      Provision · full year 2024 $80M – $100M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 5 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +5% Bullish
      Price vs 50-day avg
      −2% Neutral
      RSI (14)
      40 Neutral
      MACD trend
      Negative Bearish
      52-week position
      80% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $19 › 200d $18 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +69 funds added
      Insider flow Distributing
      Net -$430.1K over 90 days · 100% sells
      Short interest Falling
      7.48% of float · ▼ -15.3% MoM · 3.8 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      521 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $15 Now $19 · 80% Range high $19
      vs 200-day avg +5% vs 50-day avg -2%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      ACL to total loans and leases 1.25% 2Q26 —
      Efficiency ratio (FTE) (non-GAAP) non-GAAP 54.86% For the Six Months Ended June 30, 2026 —
      Efficiency ratio (non-GAAP) non-GAAP 53.7% second quarter of 2026 —
      Net charge-offs (annualized of total average loans) 0.19% 2Q26 —
      Net interest margin (FTE) (non-GAAP) non-GAAP 3.25% second quarter of 2026 —
      Net loan charge-offs (annualized) / total average loans and leases 0.19% For the Six Months Ended June 30, 2026 —
      Non-interest-bearing demand deposits to total deposits 26% 2Q26 —
      Non-performing loans / total loans and leases 0.31% 2Q26 —
      Non-performing loans and OREO to total loans and OREO 0.31% 2Q26 —
      Past due and non-accrual loans / total loans and leases 0.71% 2Q26 —
      Pre-provision net revenue (reported) (annualized) (non-GAAP) non-GAAP 840M 2Q26 —
      Pre-provision net revenue (reported) (non-GAAP) non-GAAP 401.82M For the Six Months Ended June 30, 2026 —
      Return on average tangible assets (non-GAAP) non-GAAP 1.23% For the Six Months Ended June 30, 2026 —
      Return on average tangible common equity (non-GAAP) non-GAAP 13.64% For the Six Months Ended June 30, 2026 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      FNB
      Fnb Corp/Pa/
      this stock
      		$6.54B +8.4% — 11.0 7.5%
      MFG
      Mizuho Financial Group Inc
      		 $124.83B +40.4% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $121.23B -35.4% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B +0.4% — — 0.5%
      CIXPF
      CaixaBank/ADR
      		 $100.59B +19.4% — — 0.1%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      521
      % held
      93.0%
      Net QoQ
      +18.7M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      391
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      26.4M
      Days to cover
      3.8d
      Change
      -4.8M sh
      View
      Short Volume
      Short vol %
      70%
      As of
      Aug 21, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      12.4K
      Value
      $236.4K
      As of
      Jul 30, 2026
      View
      Off-Exchange
      Off-exchange %
      44.6%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$430.1K
      Buyers / Sellers
      0 / 2
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Lisa McClain
      Amount
      $1.0K–$15.0K
      Traded
      Jun 11, 2025
      View
      Financials
      Financials
      Net income (FY)
      $565.0M
      EPS diluted
      $1.56
      View
      Buybacks
      Authorized
      $300.0M
      Remaining
      $300.0M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 5, 2026
      This year
      10
      View
      Proposed Sales
      Value
      $78.0K
      Shares
      4.1K
      Filed
      Aug 6, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 17, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      FNB -4.9% -2.7% +7.5% -2.0% +8.4%
      SPY -1.4% +3.6% +11.6% +2.5% +12.3%
      vs SPY -3.5% -6.4% -4.0% -4.5% -3.9%

      Capital returns

      Latest dividend
      $0.13 / share · ex Jun 1, 2026
      Declared · upcoming
      $0.13 / share · ex Sep 1, 2026
      Raised 8.3%
      Paid (TTM)
      $0.49 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.64%
      Buyback program · as of Apr 15, 2026
      Authorized
      $300.00M
      Spent (derived)
      $0
      Remaining
      $300.00M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 37808 CUSIP 302520101 13F (30d) 452 filings 421 filers Visit website Investor relations

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