ScoreWhy is F.N.B. Corp. (Pennsylvania) ?
1
Positive results in Jun 25
- NII(Q) Highest at USD 354 MM
- CASH AND EQV(HY) Highest at USD 1,059 MM
- OPERATING PROFIT(Q) Highest at USD 167 MM
2
With ROA of 0.75%, it has a fair valuation with a 0.81 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 8.35%, its profits have risen by 0%
- At the current price, the company has a high dividend yield of 330.8
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to F.N.B. Corp. (Pennsylvania) should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is F.N.B. Corp. (Pennsylvania) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
F.N.B. Corp. (Pennsylvania)
32.39%
1.16
31.31%
S&P 500
25.41%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.46%
EBIT Growth (5y)
8.49%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
30.75%
Pledged Shares
0
Institutional Holding
89.67%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.90
EV to EBIT
10.30
EV to EBITDA
9.68
EV to Capital Employed
0.90
EV to Sales
2.74
PEG Ratio
0.48
Dividend Yield
284.59%
ROCE (Latest)
8.74%
ROE (Latest)
8.37%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 677 MM
ROCE(HY)
Highest at 1.18%
-3What is not working for the Company
ROCE(HY)
Lowest at 1.18%
CREDIT DEPOSIT RATIO(HY)
Lowest at 90.26%
Here's what is working for F.N.B. Corp. (Pennsylvania)
Operating Cash Flow
Highest at USD 677 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
CASA
Highest at 11.41%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for F.N.B. Corp. (Pennsylvania)
Credit Deposit Ratio
Lowest at 90.26%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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