F.N.B. Corp. (FNB) Stock Forecast & Price Target

F N B Corp is experiencing ongoing expansions in fee-based businesses, particularly in capital markets, which enhances its revenue diversification and reduces dependency on traditional banking revenues. The company's earnings per share estimates for 2025 and 2026 indicate growth potential, with projected figures of $1.45 and $1.70, respectively. Additionally, F N B Corp boasts a more granular deposit franchise than its peers, complemented by a strong digital offering and a proven track record in disciplined underwriting, which bolsters its stability and growth prospects.

F N B Corp faces significant challenges that contribute to a negative outlook, primarily due to concerns over further credit deterioration, which could adversely affect asset quality. Additionally, slower loan growth in a competitive environment may limit the company's ability to expand its revenue base, particularly within the Community Banking segment that generates the majority of income. Increasing regulatory costs are expected to lead to higher expense builds, further straining profitability and potentially hindering operational efficiency.