F.N.B. Corporation cash flow to debt ratio of 12.30% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

F.N.B. Corporation's free cash flow has decreased 25.25% from $503.00M last year to $376.00M, signaling decreasing performance

F.N.B. Corporation's debt to equity ratio is 0.39, which means that the company's assets are healthy financed, signaling financial stability.

F.N.B. Corporation's debt has decreased relative to shareholder equity from 0.68 last year to 0.39 today, signaling strengthened financials

F.N.B. Corporation has a net cash position, so leverage is healthy.

F.N.B. Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

F.N.B. Corporation's profit margin has increased (23.22%) in the last year from 18.11% to 22.31%, signaling increasing performance

F.N.B. Corporation's short-term assets of $41.08B exceed its short-term liabilities of $40.78B

F.N.B. Corporation's return on assets of 1.19% is lower than the 5.00% threshold, indicating inefficient asset utilization

F.N.B. Corporation's return on equity of 8.94%, is lower than 15.00%, indicating bad performance

F.N.B. Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

F.N.B. Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

F.N.B. Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

F.N.B. Corporation has a free cash flow yield of 5.57%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

F.N.B. Corporation's yearly earnings has increased 21.59% since last year from $465.00M to $565.39M, signaling increasing performance

F.N.B. Corporation's yearly revenue has increased 4.94% since last year from $2.57B to $2.69B, signaling increasing performance

ROIC 1.19% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

F.N.B. Corporation's 3-year revenue CAGR of 18.78% is positive, indicating growing revenue over the past 3 years

F.N.B. Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

F.N.B. Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

F.N.B. Corporation is overvalued relative to its fair value price of 14.71 based on Discounted Cash Flow model

F.N.B. Corporation has an earnings yield of 9.01%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

F.N.B. Corporation is overvalued relative to its fair value price of 9.14 based on EBITDA multiple model

F.N.B. Corporation has an EV/EBITDA ratio of 5.95x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

F.N.B. Corporation is undervalued relative to its fair value price of 39.73 based on Earnings Fair Value model

F.N.B. Corporation has a PEG-ratio under 1 which is considered undervalued

F.N.B. Corporation has a price-to-book ratio of 0.98x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

F.N.B. Corporation has a price-to-sales ratio of 2.48x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue