NASDAQ · STOCK
FNB Corporation
$18.91
52W $14.46 – $19.59
64/100
$6.73B
11.2
0.86
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is FNB Bullish or Bearish?
Bullish.
Innellis AI committee rates FNB Corporation (FNB) Buy with a composite score of 64/100
, based on 7 analysts with 71% agreement.
Last updated August 01, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +10.78 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -9.22 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is p/e of 11.1 is inexpensive for the broad market. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull & Bear Case
Bull Case
- P/E of 11.1 is inexpensive for the broad market — Value
- Price-to-book of 0.9x is a discount to asset value — Value
- Dividend yield of 2.7% pays you to wait — Value
- Revenue growing 64.8% YoY -- genuine top-line momentum — Growth
- EPS growing 30.2% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- 2 consecutive earnings misses -- execution concerns — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 01, 2026
Overall Committee Score
64/100
Agreement
71%
Analysts
7
Conviction
Moderate
Sector Rank
Top 28%
of 141 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.1 is inexpensive for the broad market
Growth Analyst
bullish
69
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 64.8% YoY -- genuine top-line momentum
− 2 consecutive earnings misses -- execution concerns
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
75
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.26) -- balance sheet can absorb a shock
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
53
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2535.03)
Investment Thesis Evolution
Committee score moved marginally from 62.8 to 64.2.
- Conviction changed from contested to moderate.
- Committee agreement increased notably from 57% to 71%.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance neutral->bullish; score 58->70 (+12).
- Portfolio Manager: +2 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-31 to 2026-08-01 (1 day apart).
Technical Analysis
RSI (14)
47.8
Neutral
MACD Histogram
-0.043
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$16.99
Resistance
$19.13
Bollinger %B
0.46
Inside Bands
Price vs Moving Averages
EMA 9
$18.97
Below
EMA 21
$18.91
Above
EMA 50
$18.56
Above
EMA 200
$17.44
Above
Fundamental Analysis
Valuation
100
Growth
68
Profitability
0
Financial Health
50
Cash Flow
37
Valuation
P/E Ratio
11.2×
P/B Ratio
0.98×
PEG Ratio
0.35
Dividend Yield
0.03%
52W High
$19.59
52W Low
$14.46
Quality & Growth
ROE
8.4%
ROA
1.1%
Gross Margin
64.4%
Operating Margin
26.5%
Revenue Growth YoY
—
Debt / Equity
0.39
AI Fundamental Assessment
P/E ratio of 11.2 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.6%; Current ratio of 0.16 (tight short-term liquidity); Debt-to-equity of 0.39; Free cash flow margin of 0.8% (thin cash generation); Free cash flow per share is positive (1.32); Most recent quarter missed estimates by 0.8%; 2 consecutive earnings misses; EPS growth accelerating (-19.1% -> +10.5% QoQ); Analyst estimates rising over recent quarters
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