F.N.B.
Provides regional commercial and consumer banking alongside wealth management and insurance services.
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Profile
Provides commercial and consumer banking, wealth-management, and insurance services through First National Bank of Pennsylvania and related businesses. Its operating model pairs local decision-making with centralized operations, support, and risk functions across a multi-state footprint.
Provides commercial and consumer banking through First National Bank of Pennsylvania, alongside Wealth Management and Insurance segments. Wealth Management includes a federally chartered trust company and broker-dealer services delivered through a third-party networking arrangement.
Operations span a multi-state footprint including Washington, D.C. Local management retains some decision-making autonomy, while operations, support, and risk functions are centralized to support consistent quality and economies of scale.
Acquisitions of banks and financial-services businesses remain part of the growth model. That strategy depends on transaction analysis, integration, information quality, and the assumptions made in each acquisition.
Company facts
Categories
Key statistics
Year to date +7.2% · Average volume (30d) 4.1M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 10, 2026 | Wells Fargo | Reiterate | Overweight | $21 | $22 | |
| Jul 20, 2026 | Neuberger Berman | Target | $20 | $19 | ||
| Jul 20, 2026 | B of A Securities | Downgrade | Buy | Neutral | ||
| Jul 10, 2026 | Truist Financial | Target | $20 | $21 | ||
| Jul 6, 2026 | Wells Fargo | Reiterate | Overweight | $21 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 16, 2026Q2 FY26 | $0.42 | $0.42 | 0.0% | $467.1M | $462.7M | −1.0% | −1.69% |
| Apr 16, 2026Q1 FY26 | $0.38 | $0.38 | 0.0% | $454.0M | $450.3M | −0.8% | +3.10% |
| Jan 20, 2026Q4 FY25 | $0.41 | $0.50 | +22.0% | $458.0M | $457.8M | −0.1% | +2.90% |
| Oct 16, 2025Q3 FY25 | $0.37 | $0.41 | +9.5% | $447.7M | $457.0M | +2.1% | +3.00% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $647.2M | $674.0M | $694.0M | $679.8M | $660.3M | $675.0M | |
| Gross profit | $394.0M | $413.0M | $433.0M | $438.9M | $431.8M | $441.3M | |
| Operating income | $147.3M | $166.0M | $190.0M | $165.7M | $173.9M | $188.1M | |
| Net income | $116.5M | $130.0M | $150.0M | $168.7M | $137.0M | $148.7M | |
| Diluted EPS | $0.32 | $0.36 | $0.41 | $0.47 | $0.38 | $0.42 | |
| Gross margin | 60.9% | 61.3% | 62.4% | 64.6% | 65.4% | 65.4% | |
| Operating margin | 22.8% | 24.6% | 27.4% | 24.4% | 26.3% | 27.9% |
Fiscal years (4-quarter sums)FY21 $1.34B · FY22 $1.61B · FY23 $2.23B · FY24 $2.57B · FY25 $2.70B
Balance sheet, Jun 30, 2026Cash & short-term investments $426.0M · Total debt $4.97B · Total assets $51.00B · Shareholders' equity $6.84B
Dividends
Raised for 16 straight years — most recently to $0.13 from $0.12 in Jun 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 1, 2026 | Jun 1 | Jun 15 | $0.13 | raised from $0.12 |
| Mar 2, 2026 | Mar 2 | Mar 16 | $0.12 | |
| Dec 1, 2025 | Dec 1 | Dec 15 | $0.12 | |
| Sep 2, 2025 | Sep 2 | Sep 15 | $0.12 | |
| Jun 2, 2025 | Jun 2 | Jun 15 | $0.12 | |
| Mar 3, 2025 | Mar 3 | Mar 15 | $0.12 | |
| Dec 2, 2024 | Dec 2 | Dec 15 | $0.12 | |
| Sep 5, 2024 | Sep 5 | Sep 15 | $0.12 |
Ownership
Shares outstanding 355.96M · Float 350.21M · 98.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 46.72M | 13.13% | 13F | Aug 7, 2026 |
| FMR LLC | 26.76M | 7.52% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 20.10M | 5.65% | 13F | Aug 11, 2026 |
| Vanguard Portfolio Management LLC | 20.04M | 5.63% | 13F | Aug 13, 2026 |
| First Trust Portfolios L.P. | 18.17M | 5.10% | 13G | Jul 27, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 6, 2026 | Bryant Mitchell David | officer: Chief Wholesale Banking Office | −4,055 | $19.25 |
| Jun 12, 2026 | Gary L. Guerrieri | officer: Chief Credit Officer | −19,000 | $18.53 |
| Dec 10, 2025 | Gary L. Guerrieri | officer: Chief Credit Officer | −15,000 | $17.67 |
| Dec 2, 2025 | James L. Dutey | officer: Corporate Controller | −40,000 | $16.75 |
Peers
- PNC Financial Services Group
Retail, commercial and wealth-management banking overlap
- Truist Financial
Carolinas banking overlap in consumer, commercial, and wealth services
- M&T Bank
Retail, commercial and wealth-management banking overlap
- Huntington Bancshares
Regional-banking rivalry across consumer, commercial and wealth services
- KeyCorp
Ohio/Pennsylvania overlap in retail, commercial, and wealth banking
- WesBanco
Regional banking, wealth and insurance overlap in PA, OH, WV and MD
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| F.N.B. | $18.41 | −0.05% | $6.55B | 11.0 | 10.3 | 2.4 | +5.6% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| Huntington Bancshares | $16.95 | +0.18% | $34.19B | 12.6 | 9.8 | 2.4 | +47.4% |
| KeyCorp | $21.91 | +0.07% | $23.65B | 12.7 | 11.2 | 2.3 | +7.3% |
| WesBanco | $40.42 | 0.00% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| Median | 12.6 | 11.1 | 2.5 | +6.9% |