What is the 13F Pro Quality Score for FNB?

13F Pro ranks FNB CORP/PA/ (FNB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FNB's current score at https://13fpro.ai/company/FNB (free sign-up required for the full ranking).

Which hedge funds own the most FNB stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of FNB include BlackRock,, FMR, DIMENSIONAL FUND ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/FNB as soon as new 13F filings post.

Where does 13F Pro source FNB data?

All FNB CORP/PA/ fundamentals and ownership data come directly from SEC EDGAR. FNB CORP/PA/ files with the SEC under CIK 37808. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FNB in?

FNB CORP/PA/ (FNB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives FNB's revenue?

Per FNB CORP/PA/'s latest 10-Q filed with the SEC on 2026-08-05, the biggest revenue drivers are: Net interest income ($365.7M, +5.3% YoY); Non-interest income ($97.0M, +6.5% YoY); Trust services ($12.6M, +8.5% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/FNB.

What are FNB's largest expenses?

FNB CORP/PA/'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($135.6M, +4.4% YoY); Equipment ($29.0M, +3.5% YoY); Outside services ($28.2M, +11.6% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is FNB research updated on 13F Pro?

FNB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FNB CORP/PA/(FNB)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →NYSEmid

Institutional-grade research for retail investors

SEC EDGAR: CIK 37808 FNB stock profile & AI dashboard →

13F Pro Quality Score

65.0/100

Rank #515 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

46.6/100

Profitability

94.0/100

Balance Sheet

45.5/100

Earnings Quality

46.8/100

Free Cash Flow

87.3/100

Institutional Flow

82.6/100

Revenue Scale

61.3/100

Dilution Risk

94.7/100

Email me the moment this company reports earnings

AI Research Report

Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

Upgrade to Pro

Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

Why FNB Scores 65/100

exact factor attribution · 2026-09-11

FNB's composite is driven by profitability and free cash flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.8 pts

94th pct

Free cash flow

+5.6 pts

87th pct

Shareholder dilution

+3.0 pts

95th pct

Scale

+2.3 pts

61th pct

Institutional flow

+2.2 pts

83th pct

Earnings growth

+0.3 pts

54th pct

Earnings quality

-0.3 pts

47th pct

Capital efficiency

-0.6 pts

46th pct

Revenue growth

-0.9 pts

47th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FNB Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for FNB CORP/PA/ (FNB), a Financials sector company. 13F Pro's AI-powered ranking engine scores FNB at 65.0/100 on a 32-signal composite quality model, placing it at rank #515 of 2,961 stocks — the top 25% of the AI-ranked universe. FNB scores in the top quartile across profitability (94.0), free cash flow (87.3), institutional flow (82.6). Based on the latest XBRL financial filings (Q2 2026), FNB CORP/PA/ reports quarterly revenue of $463.0M, net income of $149.0M, an operating margin of 40.6%. Top institutional holders of FNB by reported 13-F value include BlackRock, FMR, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. FNB trades on the NYSE exchange and files with the SEC under CIK 37808. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FNB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FNB CORP/PA/ directly from SEC EDGAR. FNB CORP/PA/'s 13F Pro composite quality score has ranged between 33 and 66 since 2026, currently 65.0 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about FNB CORP/PA/

Quirks, history, and lore behind FNB — the kind of stuff that makes a stock memorable.

1
The Basics
A regional bank holding company headquartered in Pennsylvania, listed on the NYSE, operating primarily across the Mid-Atlantic and Midwest.
2
The Numbers
It holds roughly $45 billion in assets and operates hundreds of branch locations — big enough to matter, small enough that Wall Street rarely tweets about it.
3
The History
Tracing its roots back to the late 1800s in western Pennsylvania, it grew steadily through community banking acquisitions rather than flashy Wall Street plays.
4
The Secret
Beyond plain-vanilla deposits and loans, it runs a meaningful wealth management and insurance business — quietly diversifying revenue the old-fashioned way.
5
The Lore
It expanded aggressively into North Carolina, Ohio, and Maryland, proving that a Pittsburgh-born community bank could grow a respectable multi-state footprint without becoming a megabank.
6
The Giveaway
Its ticker is literally its initials — F.N.B. — short for First National Bank, the storied Pennsylvania institution at the heart of this holding company.

▶ Think you know your stocks? Play the Daily Ticker

What's Driving FNB's Business? Latest 10-Q Breakdown

✓ 26/26 datapoints verified

AI-extracted from FNB CORP/PA/'s 10-Q filed 2026-08-05 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

FNB posted record quarterly revenue of $462.7M (+5.6% YoY) and diluted EPS of $0.42 (+17% YoY), with net interest margin expanding 6bps to 3.25% and positive operating leverage for another consecutive quarter.

Biggest Revenue Drivers

Net interest income$365.7M+5.3% YoY

Growth in average earning assets and lower interest-bearing deposit and borrowing costs, partially offset by lower yields on earning assets

Non-interest income$97.0M+6.5% YoY

Benefited from a diversified business model, including gains in wealth management, capital markets and bank owned life insurance income

Biggest Revenue Drivers

Total revenue: $462.7M+5.6% YoY

Net interest income$365.7M+5.3% YoY

Growth in average earning assets and lower interest-bearing deposit and borrowing costs, partially offset by lower yields on earning assets

Non-interest income$97.0M+6.5% YoY

Benefited from a diversified business model, including gains in wealth management, capital markets and bank owned life insurance income

Within Non-interest income

Trust services$12.6M+8.5% YoY

Continued strong contributions across the geographic footprint and a $1.1B rise in assets under administration to $15.5B

Capital markets income$8.0M+16.2% YoY

Solid revenue from international banking, customer interest rate derivatives and debt capital markets, plus early investment banking contributions

Bank owned life insurance$5.3M+38.9% YoY

Reflected higher life insurance claims

Largest Expense Items

Salaries and employee benefits$135.6M+4.4% YoY

Normal annual merit increases and strategic hiring to grow market share and support technology initiatives

Equipment$29.0M+3.5% YoY

Part of technology-related investments

Outside services$28.2M+11.6% YoY

Driven by higher third-party legal and consulting costs

Net occupancy$20.8M+7.5% YoY

Higher occupancy costs alongside technology-related investments

Margins: Net interest margin (FTE, non-GAAP) rose 6bps YoY to 3.25% as a 27bps drop in cost of funds outpaced a 20bps decline in earning-asset yields. Efficiency ratio improved to 53.68% from 54.83% a year ago.

Watch Items from the Filing

Unrealized losses on debt securities totaled $99M (AFS) and $210M (HTM) at June 30, 2026, primarily from higher market interest rates since purchase.
Commercial real estate book includes $8.2B of non-owner-occupied loans, 17.3% of which are office loans, though average office loan size is a modest $1.6M.
Non-performing loans and leases rose to $110M (0.31% of total loans) from $105M at year-end 2025, though asset quality remains near historical lows.
Roughly 76% of deposits were FDIC-insured or collateralized as of June 30, 2026, unchanged from December 31, 2025.
FNBPA fully deployed the $11.75M DOJ/North Carolina fair lending settlement subsidy as of January 2026 and is in compliance with all material settlement terms.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$463.0M

Net Income

Q2 2026

$149.0M

Free Cash Flow

Q2 2026

$241.0M

Operating Margin

Q2 2026

40.6%

ROIC

Q2 2026

6.5%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+10.6% YoY

$1.76BFY 2025

FY22 $1.44BFY23 $1.57BFY24 $1.60BFY25 $1.76B

Net Income

+21.5% YoY

$565.0MFY 2025

FY22 $439.0MFY23 $485.0MFY24 $465.0MFY25 $565.0M

EPS (Diluted)

+22.8% YoY

$1.56FY 2025

FY22 $1.22FY23 $1.31FY24 $1.27FY25 $1.56

Total Assets

+3.3% YoY

$50.23BFY 2025

FY22 $43.73BFY23 $46.16BFY24 $48.63BFY25 $50.23B

Total Debt

-8.2% YoY

$3.92BFY 2025

FY22 $2.46BFY23 $4.48BFY24 $4.27BFY25 $3.92B

Op. Cash Flow

-24.9% YoY

$482.0MFY 2025

FY22 $1.22BFY23 $423.0MFY24 $642.0MFY25 $482.0M

Free Cash Flow

-25.2% YoY

$376.0MFY 2025

FY22 $1.12BFY23 $335.0MFY24 $503.0MFY25 $376.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.76B +10.6%	$1.60B +1.6%	$1.57B +8.9%	$1.44B +16.7%	$1.24B +1.7%	$1.22B
Net Income	$565.0M +21.5%	$465.0M -4.1%	$485.0M +10.5%	$439.0M +8.4%	$405.0M +41.6%	$286.0M
EPS (Diluted)	$1.56 +22.8%	$1.27 -3.1%	$1.31 +7.4%	$1.22 -0.8%	$1.23 +44.7%	$0.85
Total Assets	$50.23B +3.3%	$48.63B +5.3%	$46.16B +5.6%	$43.73B +10.7%	$39.51B +5.8%	$37.35B
Total Debt	$3.92B -8.2%	$4.27B -4.7%	$4.48B +81.6%	$2.46B +11.1%	$2.22B -23.5%	$2.90B
Operating Cash Flow	$482.0M -24.9%	$642.0M +51.8%	$423.0M -65.3%	$1.22B +129.8%	$530.0M +369.0%	$113.0M
Free Cash Flow	$376.0M -25.2%	$503.0M +50.1%	$335.0M -70.2%	$1.12B +137.9%	$472.0M +555.6%	$72.0M

Get alerted when FNB's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for FNB CORP/PA/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FNB

BlackRock, Inc.
$891.4M46,720,806 sh
FMR LLC
$510.5M26,757,771 sh
DIMENSIONAL FUND ADVISORS LP
$383.5M20,099,642 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$382.5M20,044,699 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$318.8M16,708,254 sh
FIRST TRUST ADVISORS LP
$310.7M16,284,370 sh
VANGUARD CAPITAL MANAGEMENT LLC
$307.7M16,127,538 sh
STATE STREET CORP
$300.9M15,770,476 sh
AQR CAPITAL MANAGEMENT LLC
$197.3M10,342,210 sh
GEODE CAPITAL MANAGEMENT, LLC
$125.4M6,569,168 sh

Fund	Value	Shares
BlackRock, Inc.	$891.4M	46,720,806
FMR LLC	$510.5M	26,757,771
DIMENSIONAL FUND ADVISORS LP	$383.5M	20,099,642
VANGUARD PORTFOLIO MANAGEMENT LLC	$382.5M	20,044,699
FULLER & THALER ASSET MANAGEMENT, INC.	$318.8M	16,708,254
FIRST TRUST ADVISORS LP	$310.7M	16,284,370
VANGUARD CAPITAL MANAGEMENT LLC	$307.7M	16,127,538
STATE STREET CORP	$300.9M	15,770,476
AQR CAPITAL MANAGEMENT LLC	$197.3M	10,342,210
GEODE CAPITAL MANAGEMENT, LLC	$125.4M	6,569,168

Companies Similar to FNB

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

FCF

FIRST COMMONWEALTH FINANCIAL CORP /PA/

AI score

Similar quality profile · 15 shared holders

FULLER & THALER ASSET MANAGEMENT, INC.Brandywine Global Investment Management, LLC LSV ASSET MANAGEMENT

ALLY

Ally Financial Inc.

AI score

Similar quality profile · 15 shared holders

LSV ASSET MANAGEMENT BASSWOOD CAPITAL MANAGEMENT, L.L.C.JUPITER ASSET MANAGEMENT LTD

CFG

CITIZENS FINANCIAL GROUP INC/RI

AI score

Similar quality profile · 13 shared holders

Bridgewater Associates, LP LSV ASSET MANAGEMENT BASSWOOD CAPITAL MANAGEMENT, L.L.C.

VLY

VALLEY NATIONAL BANCORP

AI score

Similar quality profile · 28 shared holders

FULLER & THALER ASSET MANAGEMENT, INC.LSV ASSET MANAGEMENT BASSWOOD CAPITAL MANAGEMENT, L.L.C.

OMF

OneMain Holdings, Inc.

AI score

Similar quality profile · 16 shared holders

BASSWOOD CAPITAL MANAGEMENT, L.L.C.MACQUARIE GROUP LTD LSV ASSET MANAGEMENT

REGIONS FINANCIAL CORP

AI score

Similar quality profile · 15 shared holders

VOLORIDGE INVESTMENT MANAGEMENT, LLC LSV ASSET MANAGEMENT Brandywine Global Investment Management, LLC

FHB

FIRST HAWAIIAN, INC.

AI score

Similar quality profile · 20 shared holders

FULLER & THALER ASSET MANAGEMENT, INC.Granite Investment Partners, LLC Bridgewater Associates, LP

RGA

REINSURANCE GROUP OF AMERICA INC

AI score

Similar quality profile · 19 shared holders

LSV ASSET MANAGEMENT Bridgewater Associates, LP Retirement Systems of Alabama

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AAC

Ares Acquisition Corp III

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put FNB on your watchlist

Track score changes the day FNB CORP/PA/ files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is FNB a good stock to buy?

13F Pro's AI-powered analysis of FNB CORP/PA/ (FNB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FNB are available on the FNB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FNB is classified as a mid company.

Which hedge funds own FNB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FNB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FNB CORP/PA/'s investment landscape.