F.N.B. Corporation (FNB) Stock Price & How to Invest
Short answer
FNB is F.N.B. Corporation, a Pittsburgh-area regional bank holding company (parent of First National Bank of Pennsylvania) that trades as a mid-cap, dividend-paying bank stock. Investing here means owning a Mid-Atlantic and Southeast community bank whose returns hinge on net interest income, loan and deposit growth, and credit quality across the interest-rate cycle.
FNB stock price
As of 2026-07-08, F.N.B. Corporation (FNB) last closed at $18.41, up 16.4% over the past year. Over the past 52 weeks it has traded between $14.65 and $19.43.
Prices are daily closing prices from Yahoo Finance and may be delayed. For the live quote, check your broker or F.N.B. Corporation's investor relations page. Walnut is informational, not investment advice.
What does F.N.B. Corporation (FNB) do?
F.N.B. Corporation is a diversified financial services holding company headquartered in Pittsburgh, Pennsylvania, operating through its principal subsidiary First National Bank of Pennsylvania. It runs more than 350 offices across seven states (Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, and Virginia) plus Washington, D.C., organized into three reported segments: Community Banking (the branch network plus commercial and consumer lending and deposits), Wealth Management, and Insurance. As of the first quarter of 2026 the company carried roughly $50.6 billion in total assets, about $35.1 billion in loans and leases, and about $38.9 billion in deposits, placing it among the larger mid-cap regional banks in the S&P MidCap 400.
The investment picture is a classic regional-bank one. Earnings are driven mostly by net interest income (the spread between what FNB earns on loans and securities and what it pays on deposits), supplemented by fee income from wealth, insurance, mortgage, and capital-markets activities. FNB has leaned into growth in the faster-expanding Southeast markets (the Carolinas, Virginia, and D.C.) while maintaining its Pennsylvania and Ohio core, and it returns capital through a quarterly dividend that it raised in 2026. As with any bank, the results and the stock are sensitive to the rate environment, deposit competition, and credit conditions, so the thesis rests on disciplined growth and stable asset quality rather than rapid expansion.
What's driving F.N.B. Corporation (FNB)?
1. Net interest income growth
Net interest income totaled about $359 million in the first quarter of 2026, up roughly 11% year over year, helped by growth in average earning assets and lower interest-bearing deposit costs. For full-year 2026 management guided to net interest income of roughly $1.495 billion to $1.535 billion. As the largest earnings lever, the trajectory of loan yields versus deposit costs is central to the story.
2. Southeast expansion and loan growth
FNB has extended its footprint into faster-growing Southeast markets including the Carolinas, Virginia, and Washington, D.C., alongside its Pennsylvania and Ohio base. Management has guided to mid-single-digit loan growth for 2026. This geographic mix aims to add organic balance-sheet growth beyond the slower-growing legacy Rust Belt markets.
3. Fee income and capital returns
Beyond spread income, FNB generates non-interest income from wealth management, insurance, mortgage banking, and capital markets, guided to roughly $370 million to $390 million for 2026. The company raised its quarterly common dividend about 8% to $0.13 per share in 2026 and grew tangible book value per share by double digits year over year. Fee diversification and capital returns are part of the total-return case.
What are the risks to F.N.B. Corporation (FNB)?
As a bank, FNB carries interest-rate risk: a sharp move in rates or an inverted curve can compress the net interest margin. Deposit competition can raise funding costs and pressure the loan-to-deposit ratio. Credit risk is ever present, particularly in commercial real estate and consumer lending, where a recession or regional downturn could drive higher charge-offs and loan-loss provisions. Regulatory capital requirements, integration risk from any acquisitions, and the general sensitivity of regional-bank stocks to sector-wide fear (as seen in the 2023 regional-bank stress) all add volatility.
How is F.N.B. Corporation (FNB) valued? (approximate, JULY 2026)
A simple financial snapshot. These are approximations and refresh quarterly; for current figures see F.N.B. Corporation's investor relations page or your broker.
- Revenue (FY2025): ~$1.8B
- Net income (Q1 2026): ~$137M
- Diluted EPS (Q1 2026): ~$0.38
- Total assets: ~$50.6B
- Market cap: ~$6.8B
- P/E (TTM): ~12.7x
- Dividend yield: ~2.7%
FNB trades around 12.7 times trailing earnings (roughly 10.5 times forward) and about 1.5 times tangible book value, broadly in line with mid-cap regional-bank peers. Tangible book value per share was about $12.06 in the first quarter of 2026, up roughly 11% year over year. The quarterly dividend of $0.13 per share supports a yield in the high-2% range.
Who competes with F.N.B. Corporation (FNB)?
Large super-regional and national banks
PNC Financial (also Pittsburgh-based) and Truist compete directly for commercial clients, deposits, and mortgage business across FNB's core and Southeast markets, leveraging much larger balance sheets, national brands, and heavier technology spend.
Peer mid-cap regional banks
Banks of similar scale such as Comerica, WesBanco, and other Mid-Atlantic and Southeast regionals compete for the same commercial-and-industrial, commercial-real-estate, and retail relationships, and are the closest comparables for valuation and growth.
Community banks and non-bank lenders
Local community banks like First Commonwealth Bank and City National Bank compete on relationships and pricing in specific markets, while credit unions, fintech lenders, and online-only banks pressure deposit gathering and consumer lending.
How to invest in F.N.B. Corporation (FNB)
There are three common ways to get FNB exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic basket, so FNB sits alongside other stocks that express the same thesis.
Walnut takes the basket route. Describe a thesis where FNB fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.
The bottom line on F.N.B. Corporation (FNB)
FNB is a diversified regional bank whose story is steady balance-sheet growth, an expanding Southeast footprint, and a modest dividend, valued at a typical regional-bank multiple.
More on F.N.B. Corporation (FNB)
Whether FNB is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is FNB a buy?, and where the stock could go from here in the FNB stock forecast.
For income investors, whether FNB pays a dividend and how the payout looks is covered in does FNB pay a dividend?
Build a basket around FNB with Walnut
Use F.N.B. Corporation as one constituent in a thematic basket Walnut's AI helps you assemble. Describe a thesis you believe in, the AI proposes the holdings and weights, and you approve before any broker order.
FAQ
What does F.N.B. Corporation do?
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It is a diversified financial services holding company whose main subsidiary is First National Bank of Pennsylvania. It provides commercial and consumer banking, mortgage lending, wealth management, and insurance across seven states and Washington, D.C., through more than 350 offices.
Where is FNB located and how big is it?
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FNB is headquartered in the Pittsburgh, Pennsylvania area and operates across Pennsylvania, Ohio, Maryland, West Virginia, Virginia, North Carolina, and South Carolina plus Washington, D.C. As of the first quarter of 2026 it held roughly $50.6 billion in total assets.
Does FNB pay a dividend?
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Yes. FNB pays a quarterly common dividend, which it raised about 8% to $0.13 per share in 2026, for a yield in the high-2% range as of July 2026. Dividend policy is set by the board and can change based on earnings and capital needs.
How does FNB make money?
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Most of its earnings come from net interest income, the spread between what it earns on loans and securities and what it pays on deposits. It also earns fee income from wealth management, insurance, mortgage banking, and capital-markets activities.
How did FNB perform recently?
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In the first quarter of 2026 FNB reported net income of about $137 million and diluted EPS of about $0.38, up from $0.32 a year earlier. Net interest income rose roughly 11% year over year to about $359 million, and full-year 2025 revenue reached an all-time high of about $1.8 billion.
What is FNB's valuation?
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As of July 2026 FNB carried a market cap near $6.8 billion and traded at roughly 12.7 times trailing earnings and about 1.5 times tangible book value, broadly in line with mid-cap regional-bank peers.
Who are FNB's main competitors?
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Large rivals include PNC Financial and Truist, which have far bigger balance sheets. Peer mid-cap regionals such as Comerica and WesBanco compete for similar business, while community banks like First Commonwealth and non-bank lenders compete locally.
What are the main risks of owning FNB?
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Key risks include interest-rate and margin pressure, deposit competition raising funding costs, credit losses in a downturn (especially commercial real estate), regulatory capital requirements, and the tendency of regional-bank stocks to sell off during sector-wide stress. Walnut is not an investment adviser, so weigh these against your own goals.
Walnut is informational, not investment advice. Financial figures on this page are approximations; always verify current numbers with F.N.B. Corporation's investor relations page or your broker before making investment decisions.