{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7",
    "symbol": "FNB",
    "name": "F.N.B. Corp",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7",
      "symbol": "FNB",
      "name": "F.N.B. Corp",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "FNB",
    "market_cap": 6635167744.0,
    "market_cap_usd": 6297002257.81,
    "price": 18.639999,
    "currency": "USD",
    "dividend_yield": 0.0284,
    "dividend_years": 39,
    "dividend_growth_5y": 0.0,
    "dividend_cut_5y": false,
    "payout_ratio": 0.2963,
    "net_income": 565000000.0,
    "free_cash_flow": 376000000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.45598461,
    "revenue_growth_5y": 0.13337478,
    "net_margin": 0.34075,
    "roe": 0.08851,
    "pe_ratio": 11.506172,
    "price_vs_ma": 0.08825147,
    "return_3y": 0.86078953,
    "return_5y": 0.74537996,
    "max_drawdown": -0.32040004,
    "scores": {
      "dividend_reliability": 20.0,
      "dividend_sustainability": 20.0,
      "business_quality": 22.5,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 92.5,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/",
      "chart": "https://sharemaestro.com/terminal/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 20.0,
    "dividend_sustainability": 20.0,
    "business_quality": 22.5,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 92.5,
    "confidence": 100.0
  },
  "warnings": [],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB qualified as a dividend compounder candidate",
      "detail": "Score 92.5/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2026-06-01",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "Dividend increased 8.3%",
      "detail": "Payment changed from 0.12 to 0.13.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2026-06-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.13 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2026-03-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2025-12-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2025-09-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2025-06-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2025-03-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2024-12-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2024-09-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2024-06-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2024-03-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2023-12-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2023-09-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "FNB dividend payment 0.12 USD",
      "detail": "Recorded dividend payment for F.N.B. Corp.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2009-02-26",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "Dividend cut -50.0%",
      "detail": "Payment changed from 0.24 to 0.12.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2004-02-26",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "Dividend cut -98.6%",
      "detail": "Payment changed from 16.65 to 0.23.",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2004-01-02",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "Dividend increased 6837.5%",
      "detail": "Payment changed from 0.24 to 16.65.",
      "amount": 16.65,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2003-05-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "Dividend increased 14.5%",
      "detail": "Payment changed from 0.2095 to 0.24.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    },
    {
      "event_date": "2002-05-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FNB",
      "exchange": "NYSE",
      "headline": "Dividend increased 15.5%",
      "detail": "Payment changed from 0.1814 to 0.2095.",
      "amount": 0.209524,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/855ef3ce-d7d2-45ec-b7bb-9f7cf0e407e7/"
    }
  ]
}