Roiver Score™ for
FNBF.N.B. Corp
Based on the annual report for the fiscal year ended December 31, 2025.
F.N.B. Corp (FNB) scores 69/100 (Solid) on the Roiver Score, a transparent quality composite, based on its annual report for the fiscal year ended December 31, 2025. Its strongest area is capital strength; its weakest is profitability. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). Banks, insurers and REITs are scored on measures suited to them. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about FNB
What is FNB's Roiver Score?
F.N.B. Corp scores 69 out of 100 (Solid). Based on the annual report for the fiscal year ended December 31, 2025.
How is the Roiver Score for FNB calculated?
It combines profitability, capital strength, efficiency, valuation and stability into a transparent 0–100 composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). F.N.B. Corp is scored with the bank model: This score uses measures suited to banks in place of the standard five, because ratios like debt-to-equity mean something different for them. The full methodology is published.
Is FNB a good quality stock?
On quality, FNB rates "Solid" (69/100). Its strongest driver is capital strength and its weakest is profitability. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.