CluenexFNB Corporation FNB
FNB Corporation scores weak on business quality (4.2 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What FNB Corporation does
F.N.B. Corporation operates as a regional bank, providing commercial banking, consumer banking, and wealth management services to generate net interest income and fee revenue from its branch network. The firm is leaning into digital banking enhancements and regional expansion initiatives to capture local deposit share.
- What it does best
FNB generates strong free cash flow conversion, delivering $622M in free cash flow on $1.8B of revenue. This cash generation outpaces peer CBC's 44% FCF margin, supported by a sticky regional deposit base that lowers funding costs.
- The main risk
Credit quality deterioration in its commercial loan book remains a primary threat. With an ROE of 8.9%, any spike in loan loss provisions directly compresses already modest equity returns.
Quality, check by check
Scored against its own industry, from company filings.
Net margin stands at 33.0%, but an ROE of 8.9% reflects thin equity returns. Profitability is weighed down by high cost structures relative to asset generation.
The bank relies on localized branch density in Pennsylvania, Ohio, and the Carolinas to lock in retail depositors. Its low 18th percentile ROE signals limited pricing power.
Revenue grew at 10.6%, outpacing the broader sector's median and placing it in the 68th sector percentile. Growth relies on regional loan expansion.
Total debt sits at $1.8B against a debt-to-equity ratio of 0.3x, keeping leverage manageable. Free cash flow rebounded to $622M, reflecting firmer cash generation.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
1 sold $78K outside pre-planned sales.
Our sealed record on FNB
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
FNB Corporation scores weak on the Cluenex quality check (4.2 of 10), measured against its own industry. Profitability is weak, moat weak, growth steady and financial health fair.
In the last 90 days of SEC Form 4 filings: 1 sold $78K outside pre-planned sales.
Oct 19, 2026.
See FNB today
- Today's verdict on FNB, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “FNB Corporation (FNB)”, https://cluenex.com/stocks/fnb/, data as of Oct 10, 2026.