Head to Head Analysis: F.N.B. (FNB) & Its Competitors

F.N.B. (NYSE: FNB) is one of 201 public companies in the “Commercial Banks” industry, but how does it weigh in compared to its peers? We will compare F.N.B. to related businesses based on the strength of its dividends, profitability, risk, earnings, institutional ownership, valuation and analyst recommendations.

Volatility and Risk

F.N.B. has a beta of 0.96, indicating that its share price is 4% less volatile than the S&P 500. Comparatively, F.N.B.’s peers have a beta of 0.74, indicating that their average share price is 26% less volatile than the S&P 500.

Profitability

This table compares F.N.B. and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
F.N.B. 19.95% 6.81% 0.92%
F.N.B. Competitors 20.33% 8.69% 0.93%

Insider & Institutional Ownership

76.0% of F.N.B. shares are held by institutional investors. Comparatively, 46.8% of shares of all “Commercial Banks” companies are held by institutional investors. 1.2% of F.N.B. shares are held by company insiders. Comparatively, 11.8% of shares of all “Commercial Banks” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent ratings and target prices for F.N.B. and its peers, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
F.N.B. 0 3 8 1 2.83
F.N.B. Competitors 511 3102 2488 87 2.35

F.N.B. currently has a consensus price target of $17.44, suggesting a potential upside of 23.28%. As a group, “Commercial Banks” companies have a potential upside of 3.85%. Given F.N.B.’s stronger consensus rating and higher possible upside, equities analysts clearly believe F.N.B. is more favorable than its peers.

Valuation & Earnings

This table compares F.N.B. and its peers top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
F.N.B. $880.72 million $170.89 million 18.38
F.N.B. Competitors $345.90 million $71.86 million 21.88

F.N.B. has higher revenue and earnings than its peers. F.N.B. is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Dividends

F.N.B. pays an annual dividend of $0.48 per share and has a dividend yield of 3.4%. F.N.B. pays out 62.3% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.8% and pay out 35.5% of their earnings in the form of a dividend.

Summary

F.N.B. beats its peers on 9 of the 15 factors compared.

F.N.B. Company Profile

F.N.B. Corporation is a financial holding company. The Company operates through four segments: Community Banking, Wealth Management, Insurance and Consumer Finance. Its Community Banking segment consists of First National Bank of Pennsylvania (FNBPA), which offers services, including commercial and individual demand, savings and time deposit accounts and commercial, mortgage and individual installment loans. It operates its Community Banking business through a network of over 290 branches in Pennsylvania, Ohio, Maryland and West Virginia. Its Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds, as well as existing customers of Community Banking. The Company’s Insurance segment operates principally through First National Insurance Agency, LLC (FNIA), which is a subsidiary of the Corporation. Its Consumer Finance segment operates through its subsidiary, Regency Finance Company. It also operates other non-banking subsidiaries.

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