FNB vs Enact
This page compares FNB and Enact, outlining their business models, financial performance, and market context in a neutral, accessible format. Educational content, not financial advice.
This page compares FNB and Enact, outlining their business models, financial performance, and market context in a neutral, accessible format. Educational content, not financial advice.
Investment Analysis
FNB
FNB
Pros
- Reported record third quarter 2025 earnings per diluted share of $0.41, a 37% increase year-over-year, driven by net interest income growth and margin expansion.
- Strong financial health evidenced by a high CET1 regulatory capital ratio of around 11% and robust tangible book value per share growth of 11% year-over-year.
- Strategic investments in digital channels, data analytics, and AI enhance customer penetration and position FNB as a primary bank for consumers and commercial clients.
Considerations
- Future growth score is relatively low at 1 out of 6, indicating limited expected expansion compared to peers.
- Debt to equity ratio is moderately high at around 60%, potentially increasing financial risk in volatile market conditions.
- Exposure to regional economic fluctuations could affect performance, given its primary market concentration in specific U.S. regions.
Enact
ACT
Pros
- Shows strong profitability metrics with normalized return on assets at 11.1% and return on equity at 14.6%, indicating efficient use of capital.
- Low valuation multiples including a price-to-book ratio close to 1.04 suggest the stock may be reasonably valued relative to its book value.
- Stable interest coverage ratio of 18.5 reflects adequate ability to meet interest obligations, enhancing financial stability.
Considerations
- As a private mortgage insurance company, Enact’s performance is sensitive to housing market cycles and mortgage default rates, creating sector-specific risk.
- Smaller scale with just over 400 employees and niche focus may limit growth opportunities compared to larger diversified financial firms.
- Limited information on liquidity ratios like quick and current ratios restricts clear assessment of short-term financial flexibility.
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The Federal Reserve's recent interest rate cut, the first of the year, has created a mixed reaction in the market. This theme focuses on companies that are poised to benefit from lower borrowing costs and increased economic activity.
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A recent spike in inflation, driven by import tariffs, has put the Federal Reserve in a difficult position. This theme focuses on companies that could benefit from this economic tension, whether through competitive pricing or a potential interest rate cut.
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Explore BasketBuy FNB or ACT in Nemo
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