F.N.B. Corporation's stock fell 5.03% as it crossed below the 5-day SMA, reflecting a negative market reaction despite strong earnings results.
The company reported a fourth-quarter net income of $182 million, or $0.50 per diluted share, with full-year net income of $577 million, reflecting a 14% year-over-year EPS growth driven by a 9% increase in net interest income and record noninterest income. Analysts had anticipated an average EPS of $0.38, and F.N.B.'s actual performance surpassed these expectations, demonstrating the company's robust performance and effective operational strategies in a competitive market.
Despite the stock's decline, F.N.B. Corporation's strong financial performance and optimistic outlook for 2026 may continue to attract investor interest and drive future stock price appreciation.
Wall Street analysts forecast FNB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FNB is 19.00 USD with a low forecast of 18.00 USD and a high forecast of 20.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Analyst Rating
Wall Street analysts forecast FNB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FNB is 19.00 USD with a low forecast of 18.00 USD and a high forecast of 20.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Buy
0 Hold
0 Sell
Strong Buy
Current: 17.600
Low
18.00
Averages
19.00
High
20.00
Current: 17.600
Low
18.00
Averages
19.00
High
20.00
Truist
David Smith
Buy
maintain
$19
2026-01-22
Reason
Truist
David Smith
Price Target
$19
AI Analysis
2026-01-22
maintain
Buy
Reason
Truist analyst David Smith raised the firm's price target on F.N.B. to $19.50 from $19 and keeps a Buy rating on the shares as part of a broader research note updating the firm's model on Capital Markets / Regional Banks names reporting results. The firm is citing its expectations for increased buybacks in FY26 while leaving its estimates unchanged, the analyst tells investors in a research note.
Keefe Bruyette
Kelly Motta
Outperform
maintain
$19 -> $20
2026-01-22
Reason
Keefe Bruyette
Kelly Motta
Price Target
$19 -> $20
2026-01-22
maintain
Outperform
Reason
Keefe Bruyette analyst Kelly Motta raised the firm's price target on F.N.B. to $20 from $19 and keeps an Outperform rating on the shares.
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Piper Sandler
Overweight
maintain
$20 -> $21
2026-01-22
Reason
Piper Sandler
Price Target
$20 -> $21
2026-01-22
maintain
Overweight
Reason
Piper Sandler raised the firm's price target on F.N.B. to $21 from $20 and keeps an Overweight rating on the shares. The firm notes the company's Q4 2025 PPNR missed consensus on weaker net interest income and OpEx offsetting stronger Fees driving shares down 2% vs. KRX on the print. Core EPS beat by 23% on a lower tax rate and lower credit costs. Piper views the tax rate benefit as driven by a core tax credit business that has lowered second half of the year tax rates 5 out of the last 7 years. The firm expects the 2026 outlook that includes mid-single digit loan growth and a stronger credit outlook to raise consensus modestly and support our unchanged EPS.
Piper Sandler
NULL -> Overweight
initiated
$19
2025-12-03
Reason
Piper Sandler
Price Target
$19
2025-12-03
initiated
NULL -> Overweight
Reason
Piper Sandler assumed coverage of F.N.B. with an Overweight rating and $19 price target. Piper assumed coverage of six regional banks based in the Mid-Atlantic portion of its Northeast coverage region.
About FNB
F.N.B. Corporation is a bank holding company and financial holding company. The Company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment consists of First National Bank of Pennsylvania (FNBPA), which offers commercial and consumer banking services. Its commercial banking solutions include corporate banking, small business banking, investment real estate financing, business credit, capital markets and lease financing. The Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds, as well as existing customers of the Community Banking segment, located primarily within its geographic markets. Its Wealth Management operations are conducted through three subsidiaries of FNBPA. The Insurance segment operates principally through First National Insurance Agency, LLC (FNIA), which is a subsidiary of the Company. FNIA is a full-service insurance brokerage agency.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
