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)
17.63%
1.16
31.31%
S&P 500
14.9%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.46%
EBIT Growth (5y)
9.22%
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
30.77%
Pledged Shares
0
Institutional Holding
89.74%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.89
EV to EBIT
10.57
EV to EBITDA
10.29
EV to Capital Employed
0.90
EV to Sales
2.94
PEG Ratio
0.48
Dividend Yield
287.26%
ROCE (Latest)
8.52%
ROE (Latest)
8.37%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 371.12 MM
ROCE(HY)
Highest at 1.14%
NET PROFIT(Q)
Highest at USD 168.69 MM
GROSS NPA (%)
(Q
EPS(Q)
Highest at USD 0.47
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 397 MM
ROCE(HY)
Lowest at 1.14%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 25.53%
CREDIT DEPOSIT RATIO(HY)
Lowest at 89.73%
Here's what is working for F.N.B. Corp. (Pennsylvania)
NII
Highest at USD 371.12 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
Highest at USD 168.69 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.3%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
EPS
Highest at USD 0.47
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for F.N.B. Corp. (Pennsylvania)
Operating Cash Flow
Lowest at USD 397 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 89.73%
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 (%)
Dividend Payout Ratio
Lowest at 25.53%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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