What Is F.N.B. Corporation (FNB) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, F.N.B. Corporation's intrinsic value is estimated at $19.04, presenting a divided outlook at the current price of $18.94. With an average implied return of +0.5% across a split 5–6 (bull–bear) consensus, the model spread of +169.9% underscores analytical uncertainty. Notably, ML-RIV sees the most upside at +95.0% (fair value: $36.93), while Markov DDM is the most conservative at -74.8% ($4.77). The spread between these extremes — +169.9% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About FNB?
12 of 13 models are currently active for FNB. Of these, 5 models suggest upside while 7 models suggest overvaluation. The Bayesian DCF estimates FNB's intrinsic value at $28.09, implying +48.4% upside from the current price. See which stocks rank higher →
How Does FNB Rank in National Commercial Banks?
Among 90 National Commercial Banks stocks, FNB ranks #25 by Quality of Company score. CirclFi's QOC score of 8.5/10 evaluates 32 fundamental signals. A score of 8.5 places FNB in the top tier.
See all Most Undervalued National Commercial Banks Stocks →
F.N.B. Corporation's positioning within the National Commercial Banks segment means that non-performing loan ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including credit quality trends — shape both the opportunity set and risk profile.
Is FNB a Value Trap?
CirclFi's Value Trap algorithm assigns FNB a score of 8/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for F.N.B. Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, F.N.B. Corporation scores 8.5 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +169.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every FNB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across FNB's 12 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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