F.N.B. (NYSE:FNB) Sets New 52-Week High Following Better-Than-Expected Earnings

F.N.B. Corporation (NYSE:FNB) shares hit a new 52-week high during mid-day trading on Wednesday following a better than expected earnings announcement. The stock traded as high as $17.97 and last traded at $17.8550, with a volume of 2603376 shares trading hands. The stock had previously closed at $17.27.

The bank reported $0.50 earnings per share for the quarter, topping the consensus estimate of $0.41 by $0.09. F.N.B. had a net margin of 20.98% and a return on equity of 8.84%. The business had revenue of $457.78 million during the quarter, compared to the consensus estimate of $457.87 million. During the same quarter in the prior year, the firm earned $0.30 earnings per share.

F.N.B. Dividend Announcement

The business also recently disclosed a quarterly dividend, which was paid on Monday, December 15th. Shareholders of record on Monday, December 1st were given a dividend of $0.12 per share. This represents a $0.48 dividend on an annualized basis and a yield of 2.7%. The ex-dividend date of this dividend was Monday, December 1st. F.N.B.’s dividend payout ratio (DPR) is presently 34.53%.

Key Headlines Impacting F.N.B.

Here are the key news stories impacting F.N.B. this week:

• Positive Sentiment: Q4 earnings beat consensus: FNB reported $0.50 EPS vs. an analyst consensus near $0.41, driven by higher net interest income, loan growth and lower credit provisions — a core driver for the stock’s uptick. FNB’s Q4 Earnings Beat
• Positive Sentiment: Balance sheet milestone — total assets surpassed $50 billion and full-year metrics showed record revenue and tangible book value growth, supporting capital strength and optionality for capital returns or investment. Press Release
• Positive Sentiment: Management signals prudent capital position — CET1 (~11.4% estimate) and management commentary describe “excess capital,” which may support buybacks/dividends or strategic investments. Seeking Alpha – Excess Capital
• Positive Sentiment: 2026 outlook: management outlined mid-single-digit loan and deposit growth for 2026 — modest but constructive guidance that implies continued organic growth without aggressive risk-taking. MSN – 2026 Guidance
• Neutral Sentiment: Revenue essentially in line: Q4 revenue of $457.78M was roughly flat to the consensus ($457.87M), so EPS beat was more margin/NII-driven than top-line surprise. Yahoo – Q4 In Line
• Neutral Sentiment: Earnings materials available — full earnings slide deck and call transcript published (useful for modeling NII, provision trends and expense trajectory). Earnings Call Transcript Slide Deck
• Negative Sentiment: Modest profitability metrics: ROE in the ~8% range and net margins near ~20% leave room for improvement versus some peers; investors expecting a larger top-line acceleration may be disappointed. MarketBeat – Metrics
• Negative Sentiment: Short interest / market positioning: a short-interest update was published — monitor for any squeezes or positioning that could amplify near-term moves. Short Interest Update

Wall Street Analyst Weigh In

FNB has been the subject of several analyst reports. Piper Sandler began coverage on F.N.B. in a research note on Wednesday, December 3rd. They set an “overweight” rating and a $19.00 price target for the company. DA Davidson cut shares of F.N.B. from a “strong-buy” rating to a “hold” rating in a research note on Monday, October 20th. Truist Financial set a $19.00 price objective on shares of F.N.B. in a research report on Tuesday, January 13th. Finally, Weiss Ratings restated a “buy (b)” rating on shares of F.N.B. in a research note on Monday, December 29th. Five investment analysts have rated the stock with a Buy rating and one has issued a Hold rating to the stock. According to data from MarketBeat, the company presently has a consensus rating of “Moderate Buy” and an average price target of $19.10.

Insider Buying and Selling at F.N.B.

In other F.N.B. news, insider Gary L. Guerrieri sold 15,000 shares of the firm’s stock in a transaction on Wednesday, December 10th. The stock was sold at an average price of $17.67, for a total value of $265,050.00. Following the completion of the sale, the insider owned 279,883 shares of the company’s stock, valued at approximately $4,945,532.61. This trade represents a 5.09% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through the SEC website. Also, insider James L. Dutey sold 40,000 shares of the business’s stock in a transaction on Tuesday, December 2nd. The stock was sold at an average price of $16.75, for a total transaction of $670,000.00. Following the sale, the insider owned 49,936 shares in the company, valued at $836,428. The trade was a 44.48% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Corporate insiders own 1.37% of the company’s stock.

Institutional Trading of F.N.B.

A number of institutional investors have recently added to or reduced their stakes in FNB. Goldman Sachs Group Inc. increased its holdings in F.N.B. by 77.4% in the first quarter. Goldman Sachs Group Inc. now owns 1,513,248 shares of the bank’s stock valued at $20,353,000 after buying an additional 660,387 shares in the last quarter. Stanley Laman Group Ltd. acquired a new stake in shares of F.N.B. in the 2nd quarter worth approximately $3,440,000. BNP Paribas Financial Markets grew its holdings in shares of F.N.B. by 454.4% in the 3rd quarter. BNP Paribas Financial Markets now owns 220,357 shares of the bank’s stock worth $3,550,000 after acquiring an additional 180,610 shares during the period. Tradewinds LLC. purchased a new position in F.N.B. in the 3rd quarter valued at approximately $1,444,000. Finally, Pacer Advisors Inc. acquired a new position in F.N.B. during the third quarter worth $1,097,000. Hedge funds and other institutional investors own 79.25% of the company’s stock.

F.N.B. Stock Performance

The firm has a fifty day moving average of $17.04 and a 200-day moving average of $16.29. The company has a quick ratio of 0.92, a current ratio of 0.92 and a debt-to-equity ratio of 0.32. The stock has a market capitalization of $6.37 billion, a price-to-earnings ratio of 11.40, a PEG ratio of 0.83 and a beta of 0.91.

F.N.B. Company Profile

F.N.B. Corporation is a bank holding company headquartered in Pittsburgh, Pennsylvania. Through its principal subsidiary, FNB Bank, the company provides a broad range of commercial and consumer financial services. Founded in 1864 as the First National Bank of Pennsylvania, F.N.B. has grown through both organic expansion and strategic acquisitions to become a regional banking franchise.

The company’s main business activities include traditional deposit-taking and lending services, such as checking and savings accounts, mortgages, home equity lines of credit, and consumer and commercial loans.