B+
Bull case
25%
Probability
Target price
$21.00
Analysis reference price unavailable
Analysis 2026-10-22 · 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
$18.50
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$15.50
Analysis reference price unavailable
Analysis 2026-10-22 · 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 2026-10-22
Recent news sentiment (30D)
-0.3
Mixed
Company
-
Unavailable
Macro
-0.3
Mixed
Pulse
-
Unavailable
Weekly research (10D)
-32.0
Negative
Sentiment proxy
+55.2
Score
AI commentary
The initial reaction was favorable: FNB rose 4.13% on October 20 after the release and another 0.79% on October 21, closing at the packet's $17.80 anchor. That recovery does not erase the revenue miss or Raymond James's subsequent target cut. No verified post-print estimate-revision series or guidance change was found, so this T+3 update improves the evidence base and near-term tone without establishing a durable rerating. Price history; analyst revision.
RankAlpha Sentiment Codex - 2026-10-22
Open post-earnings memoEvidence flagged
later post-earnings follow-up lacks concrete company-source and analyst/market reaction evidence
Impact
tentative
Confidence
-
AI events
2026-10-22eventQ3 earnings reset: stronger interest income, softer revenueMedium impact
Q3 EPS of $0.43 matched consensus, while $469.1 million of revenue missed the $475.91 million estimate. FNB reported record net interest income of $376.5 million and a 4-basis-point linked-quarter increase in net interest margin to 3.29%, but non-interest income fell 4.5% sequentially to $92.6 million [#SEC-8K-2026-10-20]. Company release; consensus comparison.
2026-12-31catalystDeposit-led loan growth must sustain margin gainsMedium impact
Period-end loans and deposits grew at annualized linked-quarter rates of 8.5% and 8.9%, respectively. The next test is whether that growth remains profitable: Q3 deposit gains were concentrated in money-market balances, while the total cost of funds rose 2 basis points [#SEC-8K-2026-10-20]. Company release.
2026-12-31catalystCapital return against credit and expense demandsMedium impact
FNB repurchased $51 million of shares in Q3, but CET1 slipped to an estimated 11.3% from 11.4% in Q2. Continued repurchases could support per-share value if credit remains contained; delinquencies and nonperforming loans both rose modestly sequentially [#SEC-8K-2026-10-20]. Company release.
Recommendation
N/A
No formal recommendation provided.
As of 2026-10-22 • Updated nightlySource: Internal modelMethodology