FNB
F.N.B. Corporation Financial Services - Banking Investor Relations →
F.N.B. Corporation (FNB) closed at $18.23 as of 2026-06-19, trading 36.6% above its 200-week moving average of $13.35. The stock is currently moving closer to the line, down from 40.1% last week. With a 14-week RSI of 71, FNB is in overbought territory.
Trading volume is running at 0.8x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.39 ratio) is neutral — neither side is clearly dominating.
Over the past 2028 weeks of data, FNB has crossed below its 200-week moving average 24 times. On average, these episodes lasted 25 weeks. Historically, investors who bought FNB at the start of these episodes saw an average one-year return of +12.4%.
With a market cap of $6.5 billion, FNB is a mid-cap stock. Return on equity stands at 8.9%. The stock trades at 0.9x book value.
Over the past 33.5 years, a hypothetical investment of $100 in FNB would have grown to $1766, compared to $3097 for the S&P 500. FNB has returned 8.9% annualized vs 10.8% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -30.6% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: FNB vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After FNB Crosses Below the Line?
Across 22 historical episodes, buying FNB when it crossed below its 200-week moving average produced an average return of +13.2% after 12 months (median +12.0%), compared to +7.0% for the S&P 500 over the same periods. 64% of those episodes were profitable after one year. After 24 months, the average return was +5.3% vs +5.9% for the index.
Each line shows $100 invested at the moment FNB crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices FNB would reach each dislocation threshold.
Dislocation Price Levels
Prices where FNB's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-07-16.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $15.79 | Unusually cheap — potential buy zone |
| Value | +1σ | $16.38 | Cheap vs. own history |
| Fair Value | +0σ | $17.02 | Historical mean behavior |
| Expensive | -1σ | $17.71 | Expensive vs. own history |
| Deep Expensive | -2σ | $18.46 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from FNB's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
FNB has crossed below its 200-week MA 24 times with an average 1-year return of +12.4% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Nov 1987 | Dec 1987 | 3 | 0.1% | -12.7% | +1233.2% |
| May 1988 | Feb 1992 | 197 | 32.4% | -13.0% | +1262.5% |
| Jun 1992 | Aug 1992 | 10 | 9.4% | +23.4% | +1765.4% |
| Aug 1992 | Oct 1992 | 6 | 6.9% | +42.5% | +1806.0% |
| Oct 1992 | Jan 1993 | 13 | 17.5% | +36.9% | +1754.1% |
| Feb 1999 | Mar 1999 | 8 | 6.6% | -1.0% | +503.9% |
| Dec 1999 | Mar 2001 | 68 | 25.0% | -7.2% | +448.8% |
| Apr 2001 | Apr 2001 | 1 | 0.4% | +44.0% | +415.9% |
| Dec 2003 | Jan 2004 | 1 | 17.1% | +106.6% | +391.9% |
| Jan 2006 | Feb 2006 | 3 | 1.6% | +16.3% | +184.9% |
| May 2006 | May 2006 | 2 | 4.0% | +14.8% | +187.4% |
| Jun 2006 | Sep 2006 | 13 | 6.5% | +10.7% | +178.0% |
| May 2007 | May 2007 | 2 | 1.1% | -3.1% | +159.2% |
| Jul 2007 | Aug 2007 | 4 | 11.8% | -29.2% | +159.9% |
| Oct 2007 | Apr 2008 | 26 | 17.1% | -15.3% | +162.0% |
| May 2008 | Sep 2008 | 19 | 30.9% | -32.3% | +172.8% |
| Oct 2008 | Dec 2010 | 115 | 59.0% | -39.0% | +219.1% |
| Aug 2011 | Oct 2011 | 9 | 8.4% | +30.1% | +270.3% |
| Sep 2017 | Sep 2017 | 1 | 0.2% | +13.8% | +108.5% |
| Oct 2018 | Oct 2019 | 54 | 23.1% | +1.7% | +107.4% |
| Jan 2020 | Jan 2021 | 49 | 46.1% | -10.6% | +101.1% |
| Jan 2021 | Feb 2021 | 2 | 6.2% | +28.6% | +111.0% |
| May 2023 | May 2023 | 1 | 0.4% | +40.3% | +94.5% |
| Mar 2025 | Apr 2025 | 2 | 4.7% | +51.4% | +64.9% |
| Average | 25 | — | +12.4% | — |
Frequently Asked Questions
Is FNB below its 200-week moving average?
No. F.N.B. Corporation (FNB) is currently 36.6% above its 200-week moving average of $13.35. It would need to fall to $13.35 to cross below the line.
What is FNB's 200-week moving average price?
F.N.B. Corporation's 200-week moving average is $13.35 as of 2026-06-19. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when FNB drops below its 200-week moving average?
FNB has crossed below its 200-week moving average 24 times in our data. On average, buying at that moment produced a one-year return of +12.4%. These dips have historically been decent entry points. These episodes lasted 25 weeks on average.
Is FNB a good value right now?
Here's what our data says about FNB as of 2026-06-19: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 71 (overbought). Return on equity is 8.9%. Price-to-book is 0.9x. This is not a buy or sell recommendation — always do your own research.
How does FNB compare to the S&P 500?
Over the past 33.5 years, $100 invested in FNB would have grown to $1766, compared to $3097 for the S&P 500. That's 8.9% annualized vs 10.8% for the index. FNB has underperformed the broader market over this period.
Does FNB pay a dividend?
Yes. F.N.B. Corporation currently pays a dividend yield of 283.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-06-19