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F.N.B. Corporation: Business Overview, Financials & Competitive Analysis

F.N.B. Corporation, headquartered in Pittsburgh, Pennsylvania, is a diversified financial services company operating in seven states and the District of Columbia. FNB provides a full range of commercial banking, consu...

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7/ 10Strong

Cyborg Score thesis

Regional bank with solid fundamentals and strategic digital positioning, capitalizing on Southeast U.S.

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Industry Regional Banks / Diversified Financial Services
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: November 2, 2026
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F.N.B. Corporation Overview

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F.N.B. Corporation, headquartered in Pittsburgh, Pennsylvania, is a diversified financial services company operating in seven states and the District of Columbia. FNB provides a full range of commercial banking, consumer banking and wealth management services plus industry leading online and mobile banking solutions. The company serves consumers, corporations, governments, and small- to medium-sized businesses across a growing Southeast footprint.

Strategic Profile

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FNB remains well-placed to capitalize on Southeast U.S. growth with a full-service model that can offer big-bank products and small-bank customer service. Investments in technology, AI, and data analytics are driving automation and efficiency while supporting revenue-generating businesses through the eStore platform and digital innovation.

Competitive Landscape

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FNB is included in Standard & Poor's MidCap 400 Index within the Regional Banks Sub-Industry. The company competes with other regional banks in its Southeast footprint including Fulton Financial, First Bancorp, and regional divisions of larger national banks. FNB's competitive advantage stems from its scaled presence, digital capabilities, and full-service banking model.

Industry Context

F.N.B. Corporation operates in Regional Banks / Diversified Financial Services.

Key facts

Founded: 1864 · Headquarters: Pittsburgh, Pennsylvania · Employees: 4,200 · Revenue: $1.68B · Market cap: $6.4B

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on F.N.B. Corporation.

  • Crossed $50 billion in total assets in 2025 with record revenue and earnings growth
  • Digital transformation through eStore platform and AI/data analytics driving operational efficiency
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Recent developments

Material events tracked by the AskCyborg corpus.

  • January 2026Announced $0.12 quarterly dividend; Q4 2025 earnings beat expectations
  • November 2024 - February 2025Relocated headquarters to new FNB Financial Center in Pittsburgh Hill District
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Named competitors

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Fulton FinancialRegional bank operating in Mid-Atlantic region→First BancorpRegional bank with presence in Southeast→Huntington BancsharesLarge regional bank competitor→

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Industry context

F.N.B. Corporation operates in Regional Banks / Diversified Financial Services. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does F.N.B. Corporation do?+
F.N.B. Corporation, headquartered in Pittsburgh, Pennsylvania, is a diversified financial services company operating in seven states and the District of Columbia. FNB provides a full range of commercial banking, consu...
What is F.N.B. Corporation's Cyborg Score?+
F.N.B. Corporation has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are F.N.B. Corporation's main competitors?+
Named competitors include Fulton Financial, First Bancorp, Huntington Bancshares. The full competitive landscape is in the AskCyborg report.
How can I get the full F.N.B. Corporation research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the F.N.B. Corporation research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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