FNB vs. NBN
FNB (F.N.B. Corporation) and NBN (Northeast Bank) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, FNB returned 8.50%/yr vs 27.70%/yr for NBN. At a 0.17 correlation, their price movements are largely independent.
Performance
FNB vs. NBN - Performance Comparison
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Returns By Period
In the year-to-date period, FNB achieves a 8.94% return, which is significantly lower than NBN's 23.19% return. Over the past 10 years, FNB has underperformed NBN with an annualized return of 8.50%, while NBN has yielded a comparatively higher 27.70% annualized return.
FNB
- 1D
- 0.71%
- 1M
- 5.52%
- YTD
- 8.94%
- 6M
- 4.42%
- 1Y
- 35.97%
- 3Y*
- 22.38%
- 5Y*
- 12.25%
- 10Y*
- 8.50%
NBN
- 1D
- 1.20%
- 1M
- 3.65%
- YTD
- 23.19%
- 6M
- 19.15%
- 1Y
- 55.18%
- 3Y*
- 46.32%
- 5Y*
- 34.61%
- 10Y*
- 27.70%
FNB vs. NBN - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FNB F.N.B. Corporation | 8.94% | 19.37% | 10.96% | 9.76% | 11.74% | 32.83% | -20.81% | 34.49% | -26.16% | -7.76% |
NBN Northeast Bank | 23.19% | 13.35% | 66.31% | 31.21% | 17.95% | 58.86% | 2.63% | 31.69% | -27.59% | 77.10% |
Correlation
The correlation between FNB and NBN is 0.66, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.66 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.68 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.58 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.48 |
Correlation (All Time) Calculated using the full available price history since Mar 4, 1993 | 0.17 |
Over the past year, FNB and NBN have become more correlated (0.66) than their long-term average of 0.17, meaning their price movements have been converging.
Fundamentals
FNB:
$6.61B
NBN:
$1.08B
FNB:
$1.62
NBN:
$11.67
FNB:
11.33
NBN:
10.96
FNB:
1.72
NBN:
1.23
FNB:
2.45
NBN:
2.87
FNB:
0.97
NBN:
1.90
FNB:
$2.71B
NBN:
$375.47M
FNB:
$1.72B
NBN:
$226.92M
FNB:
$732.68M
NBN:
$144.04M
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Return for Risk
FNB vs. NBN — Risk / Return Rank
FNB
NBN
FNB vs. NBN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for F.N.B. Corporation (FNB) and Northeast Bank (NBN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FNB | NBN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.16 | ||
| Sortino ratioReturn per unit of downside risk | -0.30 | ||
| Omega ratioGain probability vs. loss probability | 1.26 | 1.27 | -0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.30 | 2.01 | +0.29 |
| Martin ratioReturn relative to average drawdown | 6.09 | 5.14 | +0.95 |
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Drawdowns
FNB vs. NBN - Drawdown Comparison
The maximum FNB drawdown since its inception was -69.60%, roughly equal to the maximum NBN drawdown of -70.51%. Use the drawdown chart below to compare losses from any high point for FNB and NBN.
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Drawdown Indicators
| FNB | NBN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -69.60% | -70.51% | +0.91% |
Max Drawdown (1Y)Largest decline over 1 year | -15.74% | -27.57% | +11.83% |
Max Drawdown (3Y)Largest decline over 3 years | -32.59% | -27.57% | -5.02% |
Max Drawdown (5Y)Largest decline over 5 years | -32.59% | -29.30% | -3.29% |
Max Drawdown (10Y)Largest decline over 10 years | -60.11% | -70.25% | +10.14% |
Current DrawdownCurrent decline from peak | -1.54% | -1.47% | -0.07% |
Average DrawdownAverage peak-to-trough decline | -18.31% | -23.71% | +5.40% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.92% | 10.76% | -4.84% |
Volatility
FNB vs. NBN - Volatility Comparison
The current volatility for F.N.B. Corporation (FNB) is 5.96%, while Northeast Bank (NBN) has a volatility of 9.04%. This indicates that FNB experiences smaller price fluctuations and is considered to be less risky than NBN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FNB | NBN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.96% | 9.04% | -3.08% |
Volatility (6M)Calculated over the trailing 6-month period | 17.74% | 24.04% | -6.30% |
Volatility (1Y)Calculated over the trailing 1-year period | 25.46% | 35.17% | -9.71% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.13% | 32.97% | -3.84% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.45% | 40.78% | -5.33% |
Dividends
FNB vs. NBN - Dividend Comparison
FNB's dividend yield for the trailing twelve months is around 2.67%, more than NBN's 0.03% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FNB F.N.B. Corporation | 2.67% | 2.81% | 3.25% | 3.49% | 3.68% | 3.96% | 5.05% | 3.78% | 4.88% | 6.75% | 2.99% | 3.60% |
NBN Northeast Bank | 0.03% | 0.04% | 0.04% | 0.07% | 0.10% | 0.11% | 0.18% | 0.18% | 0.24% | 0.17% | 0.31% | 0.38% |
Financials
FNB vs. NBN - Financials Comparison
This section allows you to compare key financial metrics between F.N.B. Corporation and Northeast Bank. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FNB vs. NBN - Profitability Comparison
FNB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, F.N.B. Corporation reported a gross profit of 431.80M and revenue of 660.27M. Therefore, the gross margin over that period was 65.4%.
NBN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Northeast Bank reported a gross profit of 66.84M and revenue of 105.42M. Therefore, the gross margin over that period was 63.4%.
FNB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, F.N.B. Corporation reported an operating income of 173.94M and revenue of 660.27M, resulting in an operating margin of 26.3%.
NBN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Northeast Bank reported an operating income of 43.20M and revenue of 105.42M, resulting in an operating margin of 41.0%.
FNB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, F.N.B. Corporation reported a net income of 137.05M and revenue of 660.27M, resulting in a net margin of 20.8%.
NBN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Northeast Bank reported a net income of 29.85M and revenue of 105.42M, resulting in a net margin of 28.3%.
Frequently Asked Questions
FNB and NBN have a correlation of 0.66, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
NBN has higher volatility (9.04%) compared to FNB (5.96%). In terms of maximum drawdown, FNB dropped -69.60% vs NBN's -70.51%.
NBN currently has the higher Sharpe Ratio (1.58 vs 1.42), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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