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FNB

F.N.BB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The Q2 release supports a constructive operating case: record revenue, 17% EPS growth, positive operating leverage, loan and deposit growth, stable NIM, improving year-over-year credit metrics, 11.4% CET1, and continued buybacks. The earnings call also highlighted digital, data, and capital-markets investments as growth enablers [#SEC-8K-2026-07-17] [#EARNINGS-TRANSCRIPT-2026Q2].
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +3.5.
What can break
Deposit competition or lower asset yields could compress net interest margin.
Momentum
37
Value
59
Sentiment
71
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $20.60 · Bull $23.00 · Bear $16.50Analysis 2026-07-21; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $20.61
Why
Momentum37 · Δ7d +2.7
Value59 · Δ7d -6.9
Sentiment71 · Δ7d +3.5
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +3.5.

Contradictions & invalidation

  • • Deposit competition or lower asset yields could compress net interest margin.
  • • Post-earnings analyst revisions and broader target-price breadth are unavailable, reducing forward visibility.
  • • The print was not a clean beat: stored coverage indicates revenue missed consensus, while NIM did not expand sequentially, the loan-to-deposit ratio increased, delinquency rose year over year, and strategic technology and hiring costs remain elevated.

Catalyst clock

2026-07-16

Q2 earnings were operationally solid but produced a mixed post-print read-through

Lead driver: Sentiment · See AI snapshot
Momentum
37
9% active weight
Current posture
7d trendImproving
Δ7d
+2.7
Δ21d
-9.6
Value
59
28% active weight
Current posture
7d trendSoftening
Δ7d
-6.9
Δ21d
-0.1
Sentiment
71
62% active weight
Current posture
7d trendImproving
Δ7d
+3.5
Δ21d
+8.6
Why this grade

Composite grade B. Momentum 36.5 / Value 59.0 / Sentiment 70.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-21. Scenario method

B+
Bull case
25%
Probability
Target price
$23.00
Analysis reference price unavailable
Analysis 2026-07-21 · RankAlpha Sentiment Codex
Most 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
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$6.85B
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data