📊 AI Stock Rating — Summary

FNB reported a revenue of $694 million and a net income of $150 million for Q3 2025, resulting in an EPS of $0.41. The company shows a net margin of approximately 21.6%, showcasing strong profitability. Free Cash Flow (FCF) amounted to $167 million due to capital expenditures being zero, highlighting efficient cash flow management. Year-over-year growth figures are not provided, but the consistent dividend payment of $0.12 per quarter signals steady performance. Liquidity appears robust with $2.41 billion cash at the end and net debt limited to $1.59 billion. With an equity base of $6.64 billion, FNB maintains a healthy balance sheet. Analyst price targets have a consensus of $18.83 to $19, suggesting potential for modest upside at current valuations as of January 2026. Overall, FNB appears financially sound with a focus on generating cash and returning value to shareholders through dividends.

AI Score Breakdown

Revenue Growth — Score: 5/10

Current growth rates and drivers are unspecified, but a static dividend indicates stability.

Profitability — Score: 8/10

Strong net margins of 21.6% and consistent EPS of $0.41 reflect effective cost management and good profitability.

Cash Flow Quality — Score: 7/10

FCF is robust at $167 million thanks to zero capital expenditures; liquidity remains high with significant cash reserves.

Leverage & Balance Sheet — Score: 8/10

With net debt of $1.59 billion and equity of $6.64 billion, leverage is manageable, supported by a strong asset base.

Shareholder Returns — Score: 7/10

Quarterly dividends paid consistently at $0.12 and recent modest buybacks show commitment to returns; 1-year performance data needed for full context.

Analyst Sentiment & Valuation — Score: 6/10

Price targets suggest slight upside within $18.5-$19 range, indicating fair valuation without metrics provided.

⚠ AI-generated — informational only, not financial advice.