F.N.B. Corporation (FNB) exhibits 41.0% gross margins and 2.4% return on invested capital within Financials (Major Banks), balanced against a 28.5x enterprise multiple and 7.0% implied options volatility.
Sustained 41.0% gross profitability converts into 38.1% operating margin and 2.4% ROIC, outpacing sector cost of capital.
ROIC: 2.4% // GM: 41.0%YoY revenue trajectory of +12.1% paired with 5.81% free cash flow yield supports self-funded R&D and capital return.
REV YOY: +12.1% // FCF YLD: 5.81%Altman Z-Score of 0.45 and Piotroski F-Score of 7/9 indicate low near-term refinancing stress.
ALTMAN Z: 0.45 // F-SCORE: 7/9Trading at 11.4x trailing P/E (9.6x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.
P/E: 11.4x // EV/EBITDA: 28.5xOptions market prices a ±7.0% implied move with a 0.71 put/call ratio around $18.00 max pain.
IMPL MOVE: ±7.0% // P/C: 0.71Elevated industry capital intensity and customer concentration in Major Banks require continuous execution to defend 31.2% net margins.
NET MARGIN: 31.2% // D/E: 2.70x| FILER | SIDE | $ VALUE |
|---|---|---|
| INSPECT FULL OWNERSHIP LEDGER IN OWN <GO> | ||
| STRIKE / EXP | TYPE | PREMIUM |
|---|---|---|
| INSPECT GEX & CHAIN IN OPT <GO> | ||
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