FNB (FNB)
Quantitative Summary
DeterministicFinancial health is average: Piotroski 5/9, Altman Z 0.2. DCF fair value of $14 implies 23% downside based on model assumptions.
Generated deterministically from quant metrics and financial statements. Not a recommendation.
DCF Sandbox
Interactive5-year two-stage DCF. Terminal growth 3%. Default sliders match the pre-computed base case. Drag to explore scenarios. Not investment advice.
The growth rate the market implicitly expects over the next 10 years to justify today's price. Compare with historical growth of 11% YoY revenue.
Sensitivity Matrix
| TG ↓ / WACC → | 6.8% | 8.8% | 10.8% |
|---|---|---|---|
| 2% | $17 | $12 | $10 |
| 3% | $20 | $14 | $11 |
| 4% | $25 | $16 | $12 |
Center = base case. Green = >10% upside, Red = >10% downside vs $17.38.
Pre-computed DCF: WACC=8.8%, terminal growth 3%. Fair value $14 (-23.3%). Not investment advice.
Price Chart with Moving Averages
Technical Setup
AI GeneratedFNB is currently trading at $17.13, presenting a specific snapshot of its market positioning relative to broader technical metrics. Without access to the precise values for moving averages or the Relative Strength Index in this dataset, a definitive assessment of whether price action sits above or below key trend lines remains incomplete based solely on the provided figures. Typically, when a stock trades above its primary moving averages, it signals sustained upward momentum and bullish sentiment among market participants, whereas trading below these levels often indicates bearish pressure and potential downward drift. Similarly, the RSI serves as a critical gauge for short-term velocity; readings near or above 70 usually suggest an asset is overbought and may face resistance, while values approaching 30 can imply oversold conditions where buying interest might emerge. Given that only the current price point of $17.13 is available, any interpretation regarding trend strength or momentum direction relies on assumptions rather than confirmed data points from this specific timeframe. A comprehensive technical analysis would require comparing the $17.13 level against recent historical averages to determine if the asset is in an accumulation phase or a distribution phase. Furthermore, understanding where the RSI stands relative to its neutral zone of 50 is essential for gauging whether short-term forces are driving the price up or down with significant force. Until these comparative metrics are integrated into the analysis, the technical setup remains partially undefined, leaving the immediate trajectory ambiguous despite the known current valuation.
Quant Health Deep Dive
Profitability & Value Creation
✅ Conservative payout — room for dividend increases.
DuPont Analysis — ROE Decomposition
Breaking down Return on Equity to see how the company generates its ROE — efficiency, margins, or leverage.
Balance Sheet Health
Earnings Surprise History
EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.
Dividend History
| Date | Amount | Change |
|---|---|---|
| 2026-06-01 | $0.1300 | +8.3% |
| 2026-03-02 | $0.1200 | 0.0% |
| 2025-12-01 | $0.1200 | 0.0% |
| 2025-09-02 | $0.1200 | 0.0% |
| 2025-06-02 | $0.1200 | 0.0% |
| 2025-03-03 | $0.1200 | 0.0% |
| 2024-12-02 | $0.1200 | 0.0% |
| 2024-09-05 | $0.1200 | 0.0% |
| 2024-06-06 | $0.1200 | 0.0% |
| 2024-03-05 | $0.1200 | 0.0% |
| 2023-12-04 | $0.1200 | 0.0% |
| 2023-09-01 | $0.1200 | 0.0% |
Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.
Risk Profile
Sharpe = risk-adjusted return (higher is better). Max drawdown = largest peak-to-trough decline. 1,200+ trading days.
Underwater (Drawdown from Peak)
How far below the all-time high the price has been over time. Deeper = more pain for holders.
Rolling 60-Day Beta vs S&P 500 (VOO)
How the stock's sensitivity to market moves changes over time. β > 1 = more volatile than the market.
Fundamentals
Passive Flow Attribution
ETF Draft EffectWhen investors buy or sell ETFs like KRE or KBE, the fund manager is mechanically forced to buy or sell FNB shares regardless of FNB's individual fundamentals. We estimate $622M of passive capital is structurally linked to FNB through 8 tracked ETFs. Passive flows have a limited but growing influence on FNB's daily trading dynamics.
Passive exposure = Σ (ETF AUM × stock weight in ETF) across 8 tracked ETFs. Actual passive ownership is larger (includes mutual funds). Not investment advice.
ETF Contagion Visualizer
Simulate a price drop in FNB to visualize passive redemption contagion across ETFs and collateral stocks.
If FNB (FNB) experiences a significant drawdown, ETF redemptions can create collateral selling pressure on co-held stocks. Our model identifies Seagate Technology Holdings PL (STX) as the most exposed collateral stock, sharing 1 ETFs with FNB. This is the "Passive Contagion" effect described in the Inelastic Market Hypothesis.
Contagion model based on shared ETF exposure and constituent weights across 16 tracked ETFs. Estimated selling pressure is a simplified model — actual impact depends on market liquidity, ETF redemption mechanics, and market-maker activity.
FNB Ownership Dynamics
Passive funds hold 1 in every 10 FNB shares, reducing daily market volatility.
FNB (FNB) exerts measurable gravity on the passive index market, currently representing 1.5% of the KRE (KRE) and 1.0% of the KBE (KBE). Across 16 tracked ETFs, approximately 37M shares (10.4% of float) are held by passive funds and rarely trade on the open market. This level of passive ownership means index rebalances can create outsized volume events.
ETFs with Highest FNB Exposure
Float lock-up computed from 16 ETFs tracked by SecuritiesDB. Actual passive ownership is higher (includes mutual funds, pension funds, etc.).
FNB Institutional Volume Profile
252-day volume distribution by price level. The Point of Control (POC) marks — the price where the most institutional volume transacted — an implicit support/resistance floor.
The highest-volume price zone for FNB over the past year sits near $15.34 (12% of 252-day volume). The current price of $17.38 trades 13.3% above this institutional floor — a sign of upside momentum, though a pullback to the POC zone is a common reversion target. The highly concentrated volume profile (12% at POC) indicates strong consensus on fair value — institutional participants have repeatedly transacted near this price.
Volume Profile computed from 252 trading days of OHLCV data. Volume allocated to price bins proportionally based on daily high-low range. Not investment advice.
Fails-to-Deliver (FTD) History
SEC-reported settlement failures. Elevated FTDs can indicate high short-selling pressure, operational settlement issues, or naked shorting activity.
| Date | Failed Shares | Close Price | Notional Value |
|---|---|---|---|
| 2026-04-20 | 91 | $17.94 | $1,632.54 |
| 2026-04-09 | 46,779 | $17.64 | $825,181.56 |
| 2026-04-08 | 46,779 | $17.05 | $797,581.95 |
| 2026-04-06 | 70 | $16.86 | $1,180.2 |
| 2026-03-31 | 30 | $16.17 | $485.1 |
| 2026-03-26 | 290 | $16.49 | $4,782.1 |
| 2026-03-03 | 99 | $17.23 | $1,705.77 |
| 2026-02-17 | 583 | $18.07 | $10,534.81 |
| 2026-02-05 | 112,267 | $18.59 | $2.1M |
| 2026-01-23 | 5,944 | $18.00 | $106,992 |
| 2026-01-02 | 3,296 | $17.10 | $56,361.6 |
| 2025-12-03 | 300 | $16.62 | $4,986 |
| 2025-11-28 | 10 | $16.66 | $166.6 |
| 2025-11-26 | 1 | $16.70 | $16.7 |
| 2025-11-20 | 285 | $15.70 | $4,474.5 |
| 2025-10-22 | 1,405 | $15.49 | $21,763.45 |
| 2025-10-14 | 49,513 | $15.62 | $773,393.06 |
| 2025-10-06 | 365 | $16.25 | $5,931.25 |
Source: SEC Regulation SHO FTD data. Data is reported with a ~30 day delay. High FTD quantities relative to average daily volume may indicate settlement stress.
Price Correlations
Statistical correlation of daily returns with other stocks. High correlations indicate stocks that move together; negative correlations can offer diversification.
| Peer | 252-Day (1Y) | 126-Day (6M) | Direction |
|---|---|---|---|
| WTGXX | NaN | NaN | |
| ASB | 0.917 | 0.908 | High co-movement |
| ONB | 0.913 | 0.924 | High co-movement |
| WTFC | 0.911 | 0.919 | High co-movement |
| ZION | 0.907 | 0.919 | High co-movement |
| HWC | 0.896 | 0.886 | High co-movement |
| FULT | 0.896 | 0.895 | High co-movement |
| CFG | 0.891 | 0.891 | High co-movement |
| KEY | 0.882 | 0.874 | High co-movement |
| TCBI | 0.879 | 0.871 | High co-movement |
Pearson correlation of daily log returns. 252d ≈ 1 trading year. Computed from price history. Not investment advice.
Compare FNB to Peers
Quant metrics computed deterministically from financial statements and price data. Updated: 2026-06-02.
SecuritiesDB provides programmatic data aggregation for informational purposes only. None of the metrics, summaries, or algorithmic flags constitute a recommendation to buy or sell any security.