COMP <GO>
FNB vs BAC // PIOTROSKI F-SCORE QUALITY
F.N.B. Corporation (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: FNB 9
— BAC 3
■ METRIC PARITY
LAST: $18.06 (-1.42%) • MKT CAP: $6.47B
piotroski-score
7/9
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
piotroski-score
7/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FNB VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FNB | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.40% | 2.50% | -0.10 | BAC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 28.5x | 30.2x | -1.70 | FNB | /valuation <GO> |
| Free Cash Flow Yield | 5.81% | 2.10% | +3.71 | FNB | /fcf-yield <GO> |
| Operating Margin | 38.10% | 32.90% | +5.20 | FNB | /operating-margins <GO> |
| Net Profit Margin | 31.20% | 27.00% | +4.20 | FNB | /net-margins <GO> |
| Revenue Growth (YoY) | 12.10% | 6.80% | +5.30 | FNB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.69% | 0.00% | +2.69 | FNB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.45 | 0.00 | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.00% | 6.60% | +0.40 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.7 | 27.7 | +28.01 | FNB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.04 | 0.90 | +0.14 | FNB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.6x | 10.9x | -1.30 | FNB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $6.47B | $357.61B | -$351.14B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FNB REV | BAC REV | FNB GROSS % | BAC GROSS % | FNB FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $113.10B | — | 44.0% | $376.0M | $7.52B |
| FY 2024 | $0 | $105.86B | — | 44.0% | $503.0M | -$13.57B |
| FY 2023 | $0 | $102.77B | — | 44.0% | $423.0M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FNB // BETA 1.04
BAC // BETA 0.90