F.N.B. Corporation (FNB) 株式分析

企業概要

F.N.B. Corporation is a financial holding company and bank that delivers a comprehensive suite of banking products and services to consumers, corporations, governments, and small- to medium-sized businesses across the United States. The firm operates within the Financial Services sector, specifically classified under the Banks - Regional industry, which implies a focus on localized lending and deposit gathering while serving diverse client needs. As of the latest data, the company holds a market capitalization of $6.41B and reported annual revenue of $1.68B over the trailing twelve months, employing a workforce of 4,128 individuals. These valuation and revenue figures indicate that F.N.B. Corporation maintains a significant presence within the regional banking landscape, reflecting substantial asset scale and operational breadth relative to its peers in the United States.

財務健全性

The company generated revenue of $1.68B and recorded net income of $565.00M for the trailing twelve months, while specific EBITDA figures are not disclosed in the available data. The substantial difference between the total revenue of $1.68B and the net income of $565.00M reveals a cost structure where non-interest expenses, including provisions for loan losses and operating costs, consume a significant portion of gross revenue before reaching the bottom line. Although free cash flow metrics are not currently reported, the analysis of liquidity must rely on other cash flow indicators rather than direct cash flow statements. The firm reports a gross margin of 0.0%, which is standard for financial institutions where revenue is largely interest-based rather than sales-based; however, the operating margin stands at 38.5% and the profit margin is 33.7%, indicating efficient cost management relative to interest income. Total cash holdings amount to $2.74B, which is compared against total debt of $4.40B, while the debt-to-equity ratio is not available in the provided dataset. The current ratio is also not disclosed, preventing a direct assessment of short-term liquidity based on that specific metric. Return on equity is 8.7% and return on assets is 1.1%, metrics that reveal the effectiveness of management in generating returns for shareholders relative to the capital employed and the total asset base.

バリュエーション評価

The stock trades with a trailing P/E ratio of 11.50 and a forward P/E of 9.22, suggesting that the market expects earnings growth that would justify a lower multiple in the future compared to historical performance. The price-to-book ratio is 0.95, indicating that the market values the company at slightly less than its net asset value, which often signals a conservative valuation or market skepticism regarding asset quality. While the EV/EBITDA multiple is not available, the price-to-sales ratio of 3.82 provides an alternative perspective on valuation relative to revenue generation. The 52-week high is $19.14 and the 52-week low is $11.24, providing a clear trading range within which the stock price has fluctuated over the past year. The beta value is 0.90, which indicates that the stock's price volatility moves in line with the broader market rather than exhibiting significant amplification or dampening of market swings.

Growth & Income

Revenue growth over the last year is 26.4% while earnings growth is 55.8%, demonstrating that earnings are expanding at a significantly faster pace than revenue, which often implies improving net interest margins or cost efficiencies. The company offers a dividend yield of 2.7% and maintains a payout ratio of 30.8%, suggesting a sustainable dividend policy given that the payout ratio is well below 100% of earnings. Since the free cash flow metric is not explicitly provided, the sustainability of dividends is primarily assessed through the strong net income growth and the moderate payout ratio relative to earnings. Overall, the company presents a profile characterized by robust double-digit earnings expansion and a consistent commitment to returning capital to shareholders through dividends.