NYSE: FNB · Regional Banks
F.N.B. (FNB) fair value: undervalued or overvalued?
As of 31 Oct 2026, Faircurve's model values F.N.B. (FNB) at $16.61 a share. The stock last closed at $18.25, which puts the model's fair value 9.0% below the price. On the model's bands that reads as Overvalued.
Revalued . Price is the close of 3 Nov 2026. F.N.B. Corporation.
The report adds the live price, the price chart, the next earnings date and the analysts' consensus. No account needed.
This week, in three parts
What happenedThe run of 31 Oct 2026 moved the fair value from $17.79 to $16.61 (-6.6%). The model does not yet explain moves on this valuation method.
What the model makes of itThe price of $18.25 is 9.0% above it: Overvalued, on a high evidence grade.
What's nextNext report on 19 Jan 2027. The next weekly run is on Saturday 7 Nov 2026.
What price range does the model give FNB?
The calibrated range for FNB over 63 trading days is $13.45 to $19.84. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 10,454 past valuations, refreshed 31 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $15.10 to $18.13. In 21% of the simulations the fair value came out above the price the model ran on.
Faircurve Insights · 31 Oct 2026
F.N.B. Corporation is a financial holding entity that delivers a broad spectrum of financial solutions. Its primary clients include individual consumers, corporate enterprises, governmental bodies, and small to mid-sized businesses.
Faircurve's model gives F.N.B. a fair value of $16.61 a share on 31 Oct 2026. The previous run, on 24 Oct 2026, gave $17.79, so the fair value moved -6.6%. In the model's own words: "The model does not yet explain moves on this valuation method." The calibrated range over 63 trading days is $13.45 to $19.84. It is built from the fair value, since there is no live options data for the stock, and it is calibrated weekly against realised prices, using 10,454 past valuations refreshed on 31 Oct 2026. Ranges built this way have held 60% of the time at this horizon. The evidence grade is High. For banks, insurers and mortgage real estate investment trusts (REITs), the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say whether the fair value is right.
Faircurve's model compares F.N.B. with eight comparable companies: Glacier Bancorp, Inc. (GBCI), United Bankshares, Inc. (UBSI), Home Bancshares, Inc. (HOMB), Hancock Whitney Corporation (HWC), Ameris Bancorp (ABCB), Bank OZK (OZK), Valley National Bancorp (VLY) and Commerce Bancshares, Inc. (CBSH). The sheet gives no quality score for the business, no overall score and no factor measures against the peer median, so this note cannot report them.
Written from the figures on this page for the 31 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
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When does FNB report earnings, and how has the stock reacted?
F.N.B.'s next earnings report is scheduled for 19 Jan 2027. Companies can move their dates.
Around its last 8 reports: what the options market priced, and what followed
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across FNB's last 8 reports, ignoring direction, was 2.4%.
How does FNB compare with similar companies?
The companies in regional banks closest to F.N.B. in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| GBCI Glacier Bancorp, Inc. | $48.89 | $28.21 | -42.3% | Overvalued |
| UBSI United Bankshares, Inc. | $48.47 | $35.76 | -26.2% | Overvalued |
| HOMB Home Bancshares, Inc. | $30.12 | $24.96 | -17.1% | Overvalued |
| HWC Hancock Whitney Corporation | $72.62 | $66.04 | -9.1% | Overvalued |
| ABCB Ameris Bancorp | $83.07 | $66.30 | -20.2% | Overvalued |
| OZK Bank OZK | $51.08 | $75.44 | +47.7% | Undervalued |
| VLY Valley National Bancorp | $14.27 | $13.57 | -4.9% | Fairly valued |
| CBSH Commerce Bancshares, Inc. | $55.63 | $53.12 | -4.5% | Fairly valued |
F.N.B. at a glance
F.N.B. Corporation functions as a financial holding entity, delivering a broad spectrum of financial solutions. Its primary clientele includes individual consumers, corporate enterprises, governmental bodies, and small to mid-sized businesses.
- Market value
- $6.4B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- -30.5%
- Analysts with estimates
- 8
- Beta to the US market
- 0.64
- First valued by Faircurve
- 11 Jul 2026
At the close of 3 Nov 2026, 52.1% of the 1,081 graded US stocks the model covers traded below the model's fair value. FNB was not among them.
How the fair value is worked out: the model prices F.N.B. on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 24 Oct 2026 the model's fair value for FNB was $17.79. As of 31 Oct 2026 it is $16.61, a change of -6.6%. The model does not yet explain moves on this valuation method. The model revalues every stock it covers each week, and again after an earnings report.
Questions about F.N.B.'s valuation
Is F.N.B. stock undervalued or overvalued?
On Faircurve's model, FNB reads as Overvalued as of 31 Oct 2026. The model's fair value is $16.61 a share against a last close of $18.25, a gap of -9.0%.
What is FNB's fair value?
$16.61 a share as of 31 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $15.10 to $18.13.
What price range does the model give FNB?
$13.45 to $19.84 over 63 trading days. Ranges built this way held the price 60% of the time across 10,454 past valuations, refreshed 31 Oct 2026.
When does F.N.B. report earnings next?
The next report is scheduled for 19 Jan 2027. Companies can move their dates.
How much has FNB moved on past earnings reports?
Across its last 8 reports the median two session move was 2.4%, ignoring direction. The largest was -4.4% around the report of 16 Oct 2025.
How confident is the model in this valuation?
The model's evidence grade for FNB is high. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.
The model's own ideas on FNB
The model holds no idea open on FNB today. Signed-in readers see the rule each idea runs on, the floor and the exit level the model set and its time limit, and the model's closed ideas on FNB with their outcomes. A free account is enough.