F.N.B (FNB) Valuation: Assessing the Company's Worth Amidst Recent Share Performance

F.N.B (FNB) shares are trading near narrative fair value estimate of $19.19, with a 40.81% intrinsic discount. The company's proven ability to grow deposits and loans organically and sustain balance sheet expansion in its core Mid-Atlantic and Southeast markets supports revenue and long-term earnings growth. However, regional economies weakening or commercial real estate stresses could put pressure on loan quality, funding costs, and earnings assumptions. The P/E ratio sits at 12.1x earnings, slightly above the US Banks industry but below a 14.1x fair ratio estimate.