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About The Company

CEO

Mr. Vincent J. Delie Jr.

Market Cap

4.66 Billion USD

Sector

Financial Services

Website

https://www.fnb-online.com

Last Update

2/22/2024, 12:00:00 PM

Description

F.N.

Read More

Overview

Value

64

Growth

45

Health

59

Management

43

Analyst Opinion

77

Total

58

All Scores Out Of 100

Best Features

  • Has a low level of debt
  • Price-to-earnings ratio of 10.0 is lower than the market average (19.6x)
  • Has a margin-of-safety above fair value
  • Liked by analysts
  • Very safe dividend

Risk Factors

  • Earnings growth has slowed down recently
  • There is a history of diluting shareholders
  • Altman-Z score suggests a risk of bankruptcy
  • Disliked by Twitter users

Market Peers

FNB

Key Figures

PE Ratio (TTM)

9.98

Margin Of Safety (DCF)

99.41%

Revenue Growth (5 Year Average)

5.88%

Ratings Consensus

Buy

Share Buybacks

-9.41%

Dividend Yeild (TTM)

3.82%

Valuation

Value Score

64

  • Price-to-earnings ratio of 10.0 is lower than the market average (19.6x)
  • Free-cashflow-yeild of 7.03% is better than the market average (4.7%)
  • Margin-of-safety of 99.41% is better than the market average (17.95%)
  • Estimated intrinsic-value of 26.48 USD is higher than current price ( 12.98 USD)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 5130950107.1 USD

Current Price: 13.3 USD

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

9.98x

Free Cashflow Yeild

7.03%

PE/Earnings Growth

0.22

Price/Book

0.79x

Growth

Growth Score

45

  • Revenue growth has improved this yeara
  • 5 Year Average Revenue growth of 5.88% is lower than the market average (10.97%)
  • 5 Year Average Earnings growth of 12.34% is lower than the market average (14.48%)
  • Earnings growth has slowed this year
  • 5 Year Average Free Cashflow growth of 10.01% is lower than the market average (12.35%)
  • Free Cashflow growth has slowed this year

Revenue Growth

5.88%

Earnings Growth

12.34%

Cashflow Growth

10.01%

Health

Health Score

59

  • Has a low level of debt
  • Assets cover liabilities
  • Low financial Leverage
  • Normal operation does not require debt to be sustainable
  • Debt repayments do not significantly impact cashflow
  • Altman-Z score suggests a risk of bankruptcy

Altman Z Score

0.00

Piostroski Score

4.00

Debt/Equity

0.36x

Current Assets/Liabilities

29.10x

Free Cashflow/Total Debt

0.26x

Debt/Capital

0.06x

Dividend

Secure Dividend Score

70

  • Dividend yeild of 3.82% is more than the market average (1.85%)
  • Very safe
  • Long term dividend payout ratio of 54.15% is considered good
  • Payout ratio (TTM) of 37.53% is lower than the average (40%)
  • Dividends have shown growth over the last 5 years
  • Spending a lower percentage of their income on dividends than last 5 years
  • Dividend growth has been slowing recently

Dividend Yeild

3.82%

Dividend Growth

-0.61%

Payout Ratio (Earnings)

37.53%

Payout Ratio (Cashflow)

54.33%

Management

Management Score

43

  • Return-on-capital-employed of 1.53% is lower than the market average (10%)
  • Has issued new shares whilst share price is low
  • Has a history of diluting shareholders to finance activity
  • Return-on-equity of 8.73% is lower than the market average (15%)

Average Buybacks/Dilution

-9.41%

Recent Buybacks/Dilution

11.05%

5 Year Price Volitility

18.70%

Return On Assets

1.14%

Return On Capital Employed

1.53%

Return On Equity

8.73%

Return On Free Cashflow

N/A

Return On Investments

4.36%

Social Sentiment

Social Sentiment Score

0

Twitter Sentiment

N/A

Stocktwits Sentiment

N/A

Analysts

Analyst Opinion

77

  • Ratings consensus is Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

F.N.B. Corporation

Currency

USD

Beta

1.088114

Vol Avg

2365950

Ceo

Mr. Vincent J. Delie Jr.

Cik

0000037808

Cusip

302520101

Exchange

New York Stock Exchange

Full Time Employees

4018

Industry

Banks—Regional

Sector

Financial Services

Ipo Date

1986-09-02

Address

One North Shore Center

City

Pittsburgh

State

PA

Country

US

Zip

15212

Phone

800 555 5455

Analysis Last Updated

2/22/2024, 12:00:00 PM

All financial data provided by FMP

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