B+
Bull case
25%
Probability
Target price
$23.00
Analysis reference price unavailable
Analysis 2026-07-21 · RankAlpha Sentiment Codex
FNB
F.N.BBNYSE / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most likely
B
Base case
50%
Probability
Target price
$20.60
Analysis reference price unavailable
Analysis 2026-07-21 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$16.50
Analysis reference price unavailable
Analysis 2026-07-21 · RankAlpha Sentiment Codex
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-21
Recent news sentiment (30D)
+25.9
Positive
Company
-
Unavailable
Macro
+25.9
Positive
Pulse
-
Unavailable
Weekly research (10D)
-36.0
Negative
Sentiment proxy
+76.2
Score
AI commentary
The post-earnings tone is mixed: company and transcript evidence is operationally constructive, while stored coverage points to an EPS-in-line/revenue-miss framing. One stored article reported a 2.15% one-day gain to $19.49, but the RankAlpha anchor was $18.75 on July 20, so follow-through does not establish a clean bullish reaction. Social, options, short-interest, employee, and post-print analyst-revision data are unavailable; missing coverage is not positive evidence. The appropriate stance is cautious monitoring after the T+3 follow-up.
RankAlpha Sentiment Codex - 2026-07-21
Open post-earnings memoEvidence flagged
later post-earnings follow-up lacks concrete company-source and analyst/market reaction evidence
Impact
tentative
Confidence
-
AI events
2026-07-16eventQ2 earnings were operationally solid but produced a mixed post-print read-throughMedium impact
FNB reported Q2 EPS of $0.42, up 16.7% year over year, record revenue of $462.7 million, 8.8% sequential PPNR growth, stable 3.25% NIM, solid asset quality, and $47 million of repurchases. Stored market coverage indicates EPS matched expectations while revenue was modestly below consensus, limiting immediate re-rating potential [#SEC-8K-2026-07-17] [#EARNINGS-TRANSCRIPT-2026Q2].
2026-07-24catalystEarnings-call follow-up through July 24 is the next dated test of growth executionMedium impact
The company scheduled its Q2 earnings call for July 17 and stated that the replay would remain available through July 24. Further digestion of management's loan, deposit, digital, capital-markets, and credit commentary may support gradual upside if subsequent evidence confirms the reported operating momentum, but this remains a monitoring thesis rather than a confirmed re-rating [#EARNINGS-TRANSCRIPT-2026Q2] [#SEC-8K-2026-07-17].
2026-10-19catalystMargin, funding mix, and credit metrics are the next key testMedium impact
Q2 NIM was stable sequentially but earning-asset yields declined, the loan-to-deposit ratio rose to 92.5%, total delinquency was 0.71%, and commercial real-estate balances continued to decline through expected payoffs. A deterioration in funding costs, spreads, or credit quality could outweigh operating momentum [#SEC-8K-2026-07-17].
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology