F.N.B. Corporation Common Stock vs Upstart Holdings Inc — how do they compare? F.N.B. Corporation Common Stock trades at $16.96 (market cap $6.03B), while Upstart Holdings Inc trades at $22.5 (market cap $2.21B). The key difference: F.N.B. Corporation Common Stock is far larger — about 2.7× Upstart Holdings Inc's market cap, and F.N.B. Corporation Common Stock pays a 3.07% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold F.N.B. Corporation Common Stock for 0 Days and Upstart Holdings Inc for 39 Days on average.
| FNB | UPST | |
|---|---|---|
Market Cap | $6.03B | $2.21B |
Volume | 7,117,178 | 5,011,542 |
Sector | Financials | Financials |
52-Week High | $19.49 | $52.74 |
52-Week Low | $14.65 | $22.74 |
Typical Hold Time | 0 Days | 39 Days |
Enterprise Value | $10.52B | $3.78B |
Dividend Yield | 3.07% | — |
Signals from Pluang's Aura AI — not financial advice
FNB trades at $17.05, down 0.76% on the day, with a neutral technical signal. The stock shows solid fundamentals with a P/E of 10.15 and P/B of 0.89, indicating potential undervaluation. Recent earnings have been mixed, with Q2 2026 beating estimates but Q1 missing. Revenue remains stable at $1.77 billion for 2025, with a strong net income margin of 33.04%. Analyst sentiment is positive, with 13 buy ratings and a consensus price target of $20.80.
The outlook for FNB is cautiously optimistic, supported by strong profitability and a favorable analyst consensus. Key opportunities include potential upside to the price target and consistent dividend payments. Risks involve earnings volatility, as seen in recent quarters, and competitive pressures in the banking sector. Investors should weigh the attractive valuation against execution risks and market conditions.
Upstart Holdings trades at $23.83, showing modest daily gains of 0.34% but remains in a bearish technical trend. The company reported mixed Q2 2026 earnings with $0.16 EPS missing expectations of $0.18, though revenue growth accelerated to $1.02 billion in 2025 with positive net income of $54 million. Recent news highlights partnership expansions into HELOC and auto lending while the stock faces pressure near 52-week lows.
Despite recent profitability improvements, Upstart faces execution risks with three consecutive earnings misses and negative operating cash flow. Analyst consensus remains divided with a $38.13 price target suggesting 60% upside potential, but high valuation multiples and competitive pressures in consumer lending warrant caution for investors.
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F.N.B. Corporation is a diversified financial services holding company headquartered in Pittsburgh, Pennsylvania, operating through its lead subsidiary, First National Bank of Pennsylvania. It provides commercial banking, consumer banking, wealth management, and insurance through more than 350 banking offices across seven states and Washington, D.C.
Read more on FNB →Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The revenue of the company is primarily comprised of fees paid by banks.
Read more on UPST →