F.N.B. Corporation: Disciplined Growth Makes Shares Attractive

F.N.B. Corporation remains a buy, supported by peer-leading capital, disciplined underwriting, and robust credit quality. Q1 EPS of $0.38 met expectations, with 19% YoY growth driven by balance sheet expansion and margin improvement. FNB's conservative lending, strong reserves (3.8x nonperforming loans), and 11.4% CET1 ratio position it well against sector risks.