Assessing F.N.B (FNB) Valuation After Recent Share Price Momentum And Reported Discount

What F.N.B’s Recent Performance Tells Investors

F.N.B (FNB) has drawn fresh attention after a steady pattern of returns, including about 1.2% over the past day, 2.8% over the past month, and 7.7% over the past 3 months.

For investors tracking bank stocks, those figures sit alongside a year total return of 22.2% and multi year returns of 45.3% over 3 years and 90.0% over 5 years, based on current data.

That share performance is supported by reported annual revenue of US$1.59b and net income of US$507.0m, with both revenue and net income growth shown at 10.5% and 13.6% on an annual basis.

F.N.B’s last close at US$17.39, combined with a value score of 4 and its reported intrinsic discount of 40.3%, gives investors several reference points for thinking about how the market is currently pricing the business.

See our latest analysis for F.N.B.

F.N.B’s recent share price momentum, including its latest close at US$17.39 and a 90 day share price return of 7.68%, sits alongside a 1 year total shareholder return of 22.22%. This suggests interest has been building as investors reassess both growth prospects and perceived risks against its current valuation and reported discount.

If you are looking beyond banks and want to see what else is gaining attention, this could be a good moment to check out fast growing stocks with high insider ownership as a starting list of ideas.

With a value score of 4, a reported 40.3% intrinsic discount and a share price sitting at US$17.39 against a US$19.19 analyst target, is F.N.B still undervalued, or is the market already baking in future growth?

Most Popular Narrative Narrative: 9.4% Undervalued

With F.N.B’s fair value in the narrative set at US$19.19 against a last close of US$17.39, the focus is on what assumptions support that gap.

F.N.B.'s diversified noninterest income strategy, growing multiple business lines such as wealth management, capital markets, and treasury management, reduces reliance on traditional spread income and aligns with industry shifts toward fee-based revenue, providing resilience and incremental earnings power.

Read the complete narrative.

Curious what kind of revenue expansion and margin profile could justify that valuation gap, even with a lower future P/E than many peers? The narrative leans heavily on projected earnings growth, a richer mix of fee income, and buybacks quietly shrinking the share count. Want to see how those moving parts are combined into one fair value number?

Result: Fair Value of $19.19 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, this story can change quickly if regional conditions weaken in F.N.B’s core markets or if higher tech and compliance costs put lasting pressure on margins.

Find out about the key risks to this F.N.B narrative.

Build Your Own F.N.B Narrative

If you see the numbers differently, or prefer to test your own assumptions, you can pull the data together and build a custom view in a few minutes, then Do it your way.

A great starting point for your F.N.B research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision.

Looking for more investment ideas?

If you are serious about building a stronger watchlist, this is the moment to go beyond a single bank and scan the broader market with targeted screeners.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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