Is FISI or FNB more undervalued in 2026?

CirclFi compares Financial Institutions, Inc. (FISI) and F.N.B. Corporation (FNB) using 13 institutional-grade valuation models. FISI has a Quality of Company score of 8.1/10 while FNB scores 8.7/10.

Which is a better buy — FISI or FNB?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FISI and FNB valuations compare?

FISI at $36.23 and FNB at $17.48 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FISI vs FNB Valuation Comparison 2026 — Intrinsic Value Analysis

FISI

National Commercial Banks

Financial Institutions, Inc.

Quality

8.1

out of 10

Value Trap

SAFE

Price

$36.23

Last close

Models

11/13

Active

FNB

National Commercial Banks

F.N.B. Corporation

Quality

8.7

out of 10

Value Trap

SAFE

Price

$17.48

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	FISI Fair Value	FISI Upside	FNB Fair Value	FNB Upside
Bayesian DCF	Intrinsic	$5.92	-83.7%	$7.10	-59.4%
Earnings Power Value	Intrinsic	$17.14	-52.7%	$7.96	-54.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FISI vs FNB — Which Stock Is More Undervalued?

FNB scores higher with a 8.7/10 quality rating vs FISI's 8.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Financial Institutions, Inc. (FISI) and F.N.B. Corporation (FNB) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FISI currently trades at $36.23 with a QOC of 8.1/10, while FNB trades at $17.48 with a QOC of 8.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).