“Other non-interest expense was $52.4 million and $48.4 million for the first six months of 2026 and 2025, respectively, with the increase due to higher fraud losses, various litigation-related expenses and the impact of Community Uplift, an affordable mortgag…”10-Q · Aug 5, 2026 ↗
F.N.B. Corporation
FNB
Market read
F.N.B. Corporation's current read is isolated; its market group is not confirming.
No new filing conclusion is available. 0 of 13 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
- FNB's liquidity coverage ratio and months of parent-company cash declined after stock repurchases and dividends from the bank subsidiary.
- FNB reported a 27-basis-point reduction in cost of funds, which lowered interest expense despite growth in average interest-bearing deposits.
Invalidation: The isolated read changes if FNB's group or a disclosed connection begins moving with it.
Research brief
The story so far
No new filing conclusion is available. 0 of 13 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
No thresholded supportive filing evidence is available yet.
No thresholded adverse filing evidence is available yet.
- FNB's liquidity coverage ratio and months of parent-company cash declined after stock repurchases and dividends from the bank subsidiary.
- FNB reported a 27-basis-point reduction in cost of funds, which lowered interest expense despite growth in average interest-bearing deposits.
Company research
Understand the business, not just the ticker
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
- Demand and volume has repeated favorable evidence across 4 filings.
No qualifying adverse evidence was identified; that is not proof there is no downside.
No credible peer-relative valuation comparison is available yet.
Price as of Sep 10, 2026
18.27What management says matters
Persistent and emerging business drivers
“At June 30, 2026 and December 31, 2025, we utilized a third-party consensus macroeconomic forecast reflecting the current and projected macroeconomic environment.”10-Q · Aug 5, 2026 ↗
“On a linked-quarter basis, total average deposits increased $293.3 million driven by growth in average non-interest-bearing demand deposits of $114.0 million, average time deposits of $119.3 million and average interest-bearing deposits of $75.8 million.”10-Q · Aug 5, 2026 ↗
“Other non-interest expense was $52.4 million and $48.4 million for the first six months of 2026 and 2025, respectively, with the increase due to higher fraud losses, various litigation-related expenses and the impact of Community Uplift, an affordable mortgag…”10-Q · Aug 5, 2026 ↗
Valuation discipline
Descriptive valuation snapshot
Price/sales — · EV/sales —. Comparisons use only industry-matched filing peers.
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
How the market is pricing the story
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 11 Sept, 11:25 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
No sourced recent-development timeline yet
Jodie has not returned a relevant primary source or news item for FNB. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Reported financial figures are not available yet
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
No comparable filing assessment is available yet
Jodie has not yet found a suitable current-versus-prior filing comparison for FNB. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
The relationships behind FNB
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depends on
TBBKThe Bancorp, Inc.investeeNov 5, 2025 ▾
“During the second quarter of 2025, we redeemed $25.0 million in other subordinated debt assumed from our previous acquisition of UB Bancorp that was set to reprice at a higher interest rate.”
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
Live connections
FNB is currently a Early Follower in the organic co-movement group Regional Banks. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 1 filing-linked name are in the relationship map; none is currently confirmed as moving with the group.
Context history
Theme membership history
No durable theme membership has been observed for this name yet.