FNB - Successfully Differentiating Itself On Growth Is A Key Opportunity For F.N.B.
- After somewhat lackluster performance, F.N.B.'s loan growth has accelerated noticeably and should continue to grow in 2022 as both new originations and line utilization improve.
- F.N.B. has modestly above-average rate sensitivity, as well as opportunities to drive better operating leverage.
- Using M&A to double its share in Baltimore gives management some market-disruption opportunities, but the faster-growing North Carolina markets are intensely competitive.
- Long-term core earnings growth of around 6% can drive double-digit upside from here, but management has to deliver on business acceleration and operating leverage.
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Successfully Differentiating Itself On Growth Is A Key Opportunity For F.N.B.