When you search for the first national bank stock price, you’re actually stepping into a bit of a naming minefield. If you head to a local branch in a small town, you might see "First National Bank" on the glass, but that doesn't mean it’s the same company trading on the New York Stock Exchange. Honestly, the ticker most people are actually looking for is FNB, belonging to F.N.B. Corporation.
They are the "big" First National Bank—a Pittsburgh-based powerhouse with roughly $50 billion in assets. As of mid-January 2026, the stock has been hovering around **$17.47**. It’s been a bit of a tug-of-war lately. One day it’s up a percent and a half, the next it’s flat. You've got to look past the ticker symbol to see what’s actually driving the value here.
The Reality of the FNB Ticker in 2026
Investors often get tripped up by the sheer number of banks with similar names. F.N.B. Corp (NYSE: FNB) is the one that matters for most portfolios. Right now, the market cap sits near $6.25 billion. It’s not a "too big to fail" global bank like JPMorgan, but it’s a dominant regional player across the Mid-Atlantic and Southeast.
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The 52-week range has been a wild ride, swinging from a low of $10.88 to a high of $17.93. If you bought in during the dips last year, you’re feeling pretty good right about now. But if you’re looking to jump in today, the question is whether it has enough gas to break past that $18 resistance level.
What the Analysts Are Whispering
Wall Street isn't exactly silent on this one. Most analysts, including those from Truist and Piper Sandler, have a "Moderate Buy" or "Overweight" rating on the stock. They’ve set a consensus price target around $19.10.
- Revenue Growth: They are looking at about 10% annual growth.
- Earnings Per Share (EPS): Estimates for 2026 are landing around $1.67 to $1.70.
- The Yield: A consistent dividend of **$0.12 per quarter** ($0.48 annually) gives it a yield of roughly 2.75% to 2.8%.
It’s a steady-eddy play. You aren't going to see Nvidia-style moonshots here. It's a bank. It makes money on the spread between what it pays you for your savings and what it charges your neighbor for a mortgage.
Why the First National Bank Stock Price is Moving
The stock price isn't just a random number; it's reacting to some very specific 2026 pressures. First, there's the $50 billion asset threshold. FNB is right on the edge of this. Crossing it means more "punitive" regulatory costs—basically, more paperwork and stricter capital rules that eat into profits.
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Then you've got the acquisition streak. They just picked up Raptor Partners LLC, an investment bank. This is a classic "fee-based" move. Instead of just relying on interest rates, they want to make money on advisory fees and capital markets. It’s a smart pivot, but it takes time to show up in the bottom line.
Technicals and Market Mood
If you're into charts, the stock recently broke its lower Bollinger Band. Usually, that’s a signal that the stock was "oversold" and might bounce back toward the middle. And it did. The "Aroon Indicator" (a fancy way of measuring trend strength) also recently signaled an uptrend.
But it’s not all sunshine. The Momentum Indicator dipped below zero earlier this month. That suggests that while the price is okay, the speed of the buying is slowing down.
The Dividend Factor
For a lot of folks, the first national bank stock price is secondary to the dividend. FNB has a payout ratio of about 34%. That’s actually a "Goldilocks" number. It’s high enough to give you a decent check every quarter (usually paid around the 15th of March, June, September, and December), but low enough that the bank isn't starving itself of cash to grow.
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- Last Ex-Dividend Date: December 1, 2025.
- Recent Dividend Amount: $0.12 per share.
- Total Annual Payout: $0.48.
The Risk Nobody Talks About
We have to talk about Commercial Real Estate (CRE). Like every other regional bank, FNB has exposure here. While Deloitte’s 2026 outlook suggests CRE is stabilizing, any sudden shock in office space demand in cities like Pittsburgh or Baltimore could send the stock lower.
Also, watch the "insider" activity. In late 2025, the Principal Accounting Officer sold off about $670k worth of stock. Does that mean the ship is sinking? Probably not—executives sell for all sorts of reasons—but it’s worth noting when the people running the place decide to cash in.
Actionable Insights for Investors
If you are watching the first national bank stock price, keep an eye on January 20, 2026. That’s the Q4 2025 earnings call. This is where CEO Vincent Delie Jr. will lay out the roadmap for the rest of the year.
- Check the Net Interest Margin (NIM): If this is shrinking, the stock will likely struggle to hit that $19 target.
- Monitor the Asset Total: If they stay just under $50 billion, they might be avoiding regulatory costs, which is a short-term win for the stock price.
- Watch the $17.20 Support: This has been a floor for the stock lately. If it closes below this on high volume, the "buy the dip" crowd might be losing their nerve.
Basically, FNB is a classic regional bank play. It's well-managed, has a solid 2.8% yield, and is slowly expanding its footprint. It's not flashy, but in a volatile 2026 market, "not flashy" might be exactly what your portfolio needs.
To stay ahead, set a price alert at $18.50. That’s the breakout point. If it crosses that with strong volume, the path to $20 becomes a lot clearer. Until then, it’s likely to keep bouncing around in this $17 range while the market waits for the next set of earnings data.