F.N.B. Corporation trades at $17.90 and has moved in lockstep with the market. Its shares have returned 10.6% over the last six months while the S&P 500 has gained 7.7%.
Is there a buying opportunity in F.N.B. Corporation, or does it present a risk to your portfolio? Check out our in-depth research report to see what our analysts have to say, it’s free.
Why Is F.N.B. Corporation Not Exciting?
We're sitting this one out for now. Here are three reasons there are better opportunities than FNB and a stock we'd rather own.
1. Long-Term Revenue Growth Disappoints
From lending activities to service fees, most banks build their revenue model around two income sources. Interest rate spreads between loans and deposits create the first stream, with the second coming from charges on everything from basic bank accounts to complex investment banking transactions.
Unfortunately, F.N.B. Corporation’s 7.9% annualized revenue growth over the last five years was tepid. This was below our standard for the banking sector.
2. Net Interest Income Points to Soft Demand
Markets consistently prioritize net interest income over non-recurring fees, recognizing its superior quality compared to the more unpredictable revenue streams.
F.N.B. Corporation’s net interest income has grown at a 9.4% annualized rate over the last five years, slightly worse than the broader banking industry.
3. EPS Barely Growing
We track the long-term change in earnings per share (EPS) because it highlights whether a company’s growth is profitable.
F.N.B. Corporation’s unimpressive 8.8% annual EPS growth over the last five years aligns with its revenue performance. This tells us it maintained its per-share profitability as it expanded.
Final Judgment
F.N.B. Corporation’s business quality ultimately falls short of our standards. That said, the stock currently trades at 0.9× forward P/B (or $17.90 per share). While this valuation is fair, the upside isn’t great compared to the potential downside. We're pretty confident there are superior stocks to buy right now. Let us point you toward a dominant Aerospace business that has perfected its M&A strategy.
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