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
Current thesis
Record net interest income, 4-basis-point margin expansion, strong loan and deposit growth, and $51 million of Q3 buybacks support gradual earnings and tangible-book-value growth [#SEC-8K-2026-10-20]. Company release.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.9.
What can break
Deposit growth skewed toward money-market balances; higher funding costs could reverse the Q3 margin improvement. Company release.
Momentum
43
Value
60
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $18.50 · Bull $21.00 · Bear $15.50Analysis 2026-10-22; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-22 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-23
Investment thesis
As of 2026-10-23
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $20.00
Why
Momentum43 · Δ7d +8.1
Value60 · Δ7d -0.9
Sentiment56 · Δ7d -17.8
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta -0.9.
Contradictions & invalidation
- • Deposit growth skewed toward money-market balances; higher funding costs could reverse the Q3 margin improvement. Company release.
- • No verified post-print consensus estimate revision or quantitative guidance change is available in the checked evidence.
- • EPS merely matched expectations and revenue missed.
Catalyst clock
2026-10-22
Q3 earnings reset: stronger interest income, softer revenue
Lead driver: Value · See fundamentals
Momentum
43
8% active weight
Current posture
7d trendImproving
Δ7d
+8.1
Δ21d
+10.0
Value
60
47% active weight
Current posture
7d trendFlat
Δ7d
-0.9
Δ21d
-0.8
Sentiment
56
45% active weight
Current posture
7d trendSoftening
Δ7d
-17.8
Δ21d
-25.0
Why this grade
Composite grade B. Momentum 43.3 / Value 60.0 / Sentiment 56.0
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-22. Scenario method
Most 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
Fundamentals (TTM)As of 2026-10-23
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$6.42B
Beta
0.94
Shares Out
353M
P/E (TTM)
12.4
P/S (TTM)
3.71
P/FCF (TTM)
16.39
Rev YoY
+0.1%
EPS YoY
+16.2%
Gross Margin
-
Op Margin
+26.4%
Net Debt
$3.8B
Current Ratio
0.08
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data