FNB · Fnb Corp/Pa/

Track FNB — free

$18.23 -0.19 (-1.00%)

S&P 400 member Russell 1000 member Rebalance outlook locked

Market Cap

$6.50B

353.00M

Up next

Next earnings call

Oct 16, 2026 Est · unconfirmed · in 7 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

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Very Low

Market backdrop VIX 14.4 · calm Equity put/call 0.62

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +4%

above

Price vs 50-day avg −3%

below

RSI (14) 39

neutral

MACD trend Negative

52-week position 78%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Strong

1-month return −3%

trailing

6-month return +12%

trailing

YTD return +8%

this year

Relative strength −1%

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

6.29% of float · ▼ -16.0% MoM · 6.2 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

524 holders — near 3-yr high, broad support

Squeeze score 58

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 24%

annualized · 1-yr

Max drawdown −16%

past year

ATR 1.7%

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

what management promised — and delivered

Latest guidance · from the Earnings Call filed Mar 31, 2026

second quarter

Noninterest expense $250M – $255M

full year

Provision $85M – $105M

this coming quarter

Fee income $90M – $95M

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 income · second quarter 2024 $80M – $85M

Non-interest expense · full year 2024 $895M – $915M

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

+4% Bullish

Price vs 50-day avg

−3% Neutral

RSI (14)

39 Neutral

MACD trend

Negative Bearish

52-week position

78% 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

6.29% of float · ▼ -16.0% MoM · 6.2 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

524 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $15 Now $18 · 78% Range high $19

vs 200-day avg +4% vs 50-day avg -3%

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
Interest-bearing deposit costs	2.36%	the three months ended June 30, 2026 filing	—
Share repurchases	$47M	the second quarter of 2026 filing	—
Shares repurchased	2.7M	the second quarter of 2026 filing	—
Total borrowing costs	4.21%	Three Months Ended June 30, 2026 filing	—

Total cost of funds	1.99%	Three Months Ended June 30, 2026 filing	—

Yield on earning assets (non-GAAP) non-GAAP	5.13%	the three months ended June 30, 2026 filing	—

ACL to total loans and leases	1.25%	2Q26	—

Average deposits	38.7B	second quarter of 2026	—

Average loans and leases	35.5B	second quarter of 2026	—

Common Equity Tier 1 regulatory capital ratio	11.4%	second quarter of 2026	—

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	—

Loan-to-deposit ratio	92.5%	second quarter of 2026	—

Net charge-offs	$17M	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	—

Tangible book value per common share (non-GAAP) non-GAAP	$12.24	second quarter of 2026	—

Tangible common equity to tangible assets ratio (non-GAAP) non-GAAP	8.9%	second quarter of 2026	—

Total delinquency	0.71%	second quarter of 2026	—

AOCI reduction to tangible book value per common share non-GAAP	$0.24	first quarter of 2026	—
Average diluted common shares outstanding	360.24M	1Q26	—

Cost of interest-bearing deposits	2.4%	first quarter of 2026	—
Delinquency ratio	0.74%	first quarter of 2026	—
Mix of non-interest-bearing demand deposits to total deposits	26%	first quarter of 2026	—
Operating earnings per diluted common share (non-GAAP) non-GAAP	$0.38	1Q26	—

Period end common shares outstanding	355,670,905	1Q26	—
Return on average tangible common equity non-GAAP	13.2%	1Q26	—
Operating net income available to common shareholders non-GAAP	181.8M	4Q25	—
Operating pre-provision net revenue non-GAAP	205.7M	4Q25	—
Return on average tangible equity (non-GAAP) non-GAAP	14.42%	For the Twelve Months Ended December 31	—

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	$6.50B	+7.7%	—	11.0	6.3%
MFG Mizuho Financial Group Inc	$129.26B	+45.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.56B	-36.8%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$107.22B	+0.3%	—	—	0.7%
CIXPF CaixaBank/ADR	$106.80B	+26.1%	—	—	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

524

% held: 93.2%
Net QoQ: +19.2M sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

393

View

Short & Settlement

Short Interest Falling

Shares short

22.2M

Days to cover: 6.2d
Change: -4.2M sh

View

Short Volume

Short vol %

46%

As of: Aug 31, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $115
As of: Aug 4, 2026

View

Off-Exchange

Off-exchange %

37.4%

Week of: Jul 27, 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

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	-0.7%	-2.6%	+12.2%	-2.6%	+7.7%
SPY	+0.5%	+3.0%	+13.4%	+3.0%	+12.8%
vs SPY	-1.1%	-5.6%	-1.2%	-5.6%	-5.2%

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)

2.66%

Buyback program · as of Apr 15, 2026

Authorized

$300.00M

Spent (derived)

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) 362 filings 353 filers Visit website Investor relations

FNB · Fnb Corp/Pa/

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns