FNB PEER ANALYSIS

F.N.B. Corp — metric-by-metric comparison with peers and the industry median

FNBF.N.B. Corp

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

FNBIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FNB	YKBNK	VAKBN	HALKB	ISCTR	NDA-SE	Ind. Median
P/E	11.69	5.74	4.86	10.63	4.71●	12.40	12.88
P/B	1.01	1.18	0.95	1.39	0.84●	1.94	1.29
EV/EBITDA	13.58	-3.72	-5.61	-19.45●	-17.10	34.32	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FNB	YKBNK	VAKBN	HALKB	ISCTR	NDA-SE	Ind. Median
Current Ratio	0.21●	—	—	—	—	0.16	0.31
Debt/Equity	61.1%	0.0%●	0.0%●	0.0%●	0.0%●	704.0%	38.0%
NetDebt/EBITDA	4.77	-9.43	-8.98	-33.00●	-28.33	25.50	-0.58

Profitability
Metric	FNB	YKBNK	VAKBN	HALKB	ISCTR	NDA-SE	Ind. Median
Net Margin	21.6%	23.3%	21.4%	16.6%	28.1%●	20.9%	20.6%
ROE	8.9%	23.5%●	23.0%	15.4%	20.2%	15.8%	10.9%
ROA	1.2%	1.9%●	1.3%	0.8%	1.8%	0.7%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FNB	YKBNK	VAKBN	HALKB	ISCTR	NDA-SE	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	27.5%	85.7%●	34.4%	21.9%	71.8%	-4.4%	19.4%
Div. Yield	2.5%●	—	—	—	—	0.5%	2.5%
Payout	29.5%	—	—	—	—	0.0%	31.4%

Valuation
Metric	FNB	GBCI	PB	UBSI	HWC	ABCB	Ind. Median
P/E	11.69●	25.30	13.38	12.88	14.83	14.05	12.88
P/B	1.01	1.59	0.86●	1.18	1.39	1.50	1.29
EV/EBITDA	13.58	2.77●	9.18	2.77	12.92	9.42	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FNB	GBCI	PB	UBSI	HWC	ABCB	Ind. Median
Current Ratio	0.21	0.30	0.68	33.20●	0.51	0.08	0.31
Debt/Equity	61.1%	56.7%	30.4%	14.4%●	38.0%	25.1%	38.0%
NetDebt/EBITDA	4.77	-13.89●	0.71	-7.39	2.00	-0.50	-0.58

Profitability
Metric	FNB	GBCI	PB	UBSI	HWC	ABCB	Ind. Median
Net Margin	21.6%	17.7%	31.2%●	27.5%	21.4%	26.0%	20.6%
ROE	8.9%	7.1%	6.7%	9.3%	9.5%	11.0%●	10.9%
ROA	1.2%	0.9%	1.3%	1.5%	1.2%	1.6%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FNB	GBCI	PB	UBSI	HWC	ABCB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	27.5%	25.7%	5.9%	36.2%●	-12.2%	16.8%	19.4%
Div. Yield	2.5%	2.5%	3.2%●	3.2%	2.5%	0.9%	2.5%
Payout	29.5%	61.0%	42.9%	42.0%	37.8%	12.7%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.