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

F N B Corp's diverse revenue streams, particularly from its expanding fee-based businesses such as capital markets, contribute to a strong financial profile and reduce reliance on traditional banking services. The company's earnings per share (EPS) estimates remain robust, with projections set at $1.45 for 2025 and $1.70 for 2026, reflecting positive growth expectations. Additionally, F N B's competitive advantage is underscored by a granular deposit base and a differentiated digital offering, along with a proven record of disciplined underwriting practices, positioning the bank for sustained performance in a dynamic market.

F N B Corp faces several significant challenges that contribute to a negative outlook, primarily stemming from anticipated credit deterioration and a competitive environment that may hinder loan growth. Additionally, the firm is likely to encounter higher expenses due to increasingly punitive regulatory costs, which could further impact financial performance. These factors collectively raise concerns about the overall stability and profitability of the company's primary business segments, particularly Community Banking, which generates the majority of its revenue.