F.N.B. (FNB) & Its Rivals Financial Review

F.N.B. (NYSE:FNB) is one of 919 publicly-traded companies in the “Banks” industry, but how does it compare to its rivals? We will compare F.N.B. to similar companies based on the strength of its valuation, analyst recommendations, profitability, risk, institutional ownership, dividends and earnings.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
F.N.B.	22.46%	9.12%	1.22%
F.N.B. Competitors	15.66%	9.44%	0.93%

Dividends

F.N.B. pays an annual dividend of $0.52 per share and has a dividend yield of 2.9%. F.N.B. pays out 30.6% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.3% and pay out 28.9% of their earnings in the form of a dividend. F.N.B. lags its rivals as a dividend stock, given its lower dividend yield and higher payout ratio.

Institutional and Insider Ownership

79.2% of F.N.B. shares are owned by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are owned by institutional investors. 1.5% of F.N.B. shares are owned by insiders. Comparatively, 9.7% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Risk & Volatility

F.N.B. has a beta of 0.89, suggesting that its share price is 11% less volatile than the S&P 500. Comparatively, F.N.B.’s rivals have a beta of 0.61, suggesting that their average share price is 39% less volatile than the S&P 500.

Earnings and Valuation

This table compares F.N.B. and its rivals revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
F.N.B.	$2.69 billion	$565.00 million	10.53
F.N.B. Competitors	$9.95 billion	$2.42 billion	20.29

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

Analyst Ratings

This is a breakdown of current ratings and recommmendations for F.N.B. and its rivals, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
F.N.B.	0	2	5	0	2.71
F.N.B. Competitors	7481	30217	27791	1473	2.35

F.N.B. presently has a consensus target price of $20.29, suggesting a potential upside of 13.30%. As a group, “Banks” companies have a potential upside of 17.08%. Given F.N.B.’s rivals higher probable upside, analysts clearly believe F.N.B. has less favorable growth aspects than its rivals.

Summary

F.N.B. rivals beat F.N.B. on 9 of the 15 factors compared.

About F.N.B.

F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States. The company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment offers commercial and consumer banking services, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. It also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services. The Wealth Management segment provides personal and corporate fiduciary services comprising administration of decedent and trust estates; and securities brokerage and investment advisory services, mutual funds, and annuities. The Insurance segment comprises commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. The company operates community banking branches in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.