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ASB vs FNB
Which Stock Would AI Choose? Associated Banc-Corp (ASB) vs. F.N.B. Corporation (FNB) Stock Comparison
Key Takeaways
- Both ASB and FNB are regional banks offering attractive dividend yields above 2.9%, appealing to income-focused investors.
- ASB has outperformed year-to-date with a 10.71% return compared to FNB's 5.01%, reflecting stronger momentum in recent market activity.
- ASB trades at a lower trailing P/E ratio of 10.20 versus FNB's 11.01, suggesting relatively better valuation.
- FNB boasts a larger market capitalization of approximately $6.37 billion compared to ASB's $5.32 billion.
- Recent quarterly earnings for FNB showed EPS growth and positive operating leverage, boosting sentiment.
- Both stocks exhibit low beta values (ASB at 0.78, FNB at 0.90), indicating lower volatility relative to the market.
Introduction
This stock comparison examines ASB and FNB, two regional banking stocks operating in the competitive U.S. financial services sector. Both companies provide essential banking products to consumers and businesses, making them relevant for investors seeking exposure to regional banks amid shifting interest rates and economic conditions. Traders interested in dividend income, relative performance, and sector momentum will find value in analyzing their business models, recent price behavior, and market positioning. This analysis highlights key contrasts to inform stock comparison decisions.
ASB Overview and Recent Performance
Associated Banc-Corp (ASB), headquartered in Green Bay, Wisconsin, is a bank holding company serving individuals and businesses across Wisconsin, Illinois, Missouri, Minnesota, and select other states through lending, deposit, cash management, and wealth management services. In recent market activity, ASB shares have approached their 52-week high near $29.52, trading around $28.26 with a market cap of $5.32 billion. Year-to-date gains of 10.71% reflect positive sentiment driven by solid quarterly results, including Q4 2025 earnings of $134 million, and a favorable dividend yield of 3.34%. Lower interest rate expectations and regional economic stability have supported performance, though shares remain sensitive to net interest income (NII, revenue from interest-earning assets minus interest expenses) trends.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB), based in Pittsburgh, Pennsylvania, operates as a financial holding company with community banking, wealth management, and insurance segments across Pennsylvania, Ohio, and other Mid-Atlantic states. Shares recently traded around $17.83, with a market cap of $6.37 billion and a 52-week range of $12.55 to $19.14. Year-to-date performance stands at 5.01%, influenced by Q1 2026 earnings that met estimates, delivered 19% EPS growth, and featured positive operating leverage of 4.9%, alongside share repurchase authorizations. A dividend yield of 2.92% and recent analyst price target upgrades have bolstered investor confidence amid steady loan growth and digital expansion efforts.
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Head-to-Head Comparison
Both ASB and FNB focus on regional banking models emphasizing commercial and consumer lending, deposits, and fee-based services, but differ in geographic footprints—ASB in the Midwest versus FNB’s Mid-Atlantic presence. Growth drivers include loan portfolios and NII, with FNB highlighting recent digital initiatives and buybacks for expansion. Recent momentum favors ASB with superior YTD returns and a higher dividend yield, while FNB edges in size and payout ratio (29.63%). Risk factors are comparable, with low betas signaling stability, though both face sector pressures from interest rate fluctuations and credit quality (non-performing loans). Market sentiment leans positive for both, evidenced by analyst targets around 6-15% upside, and high historical correlation (91%).
Tickeron AI Verdict
Tickeron’s AI models would likely favor ASB in the current environment due to its stronger year-to-date momentum, lower valuation multiples, higher dividend yield, and lower beta for enhanced stability. While FNB demonstrates solid earnings catalysts and scale advantages, ASB’s relative positioning suggests a probabilistic edge for trend consistency amid regional bank recovery trends.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ASB is a Buy and FNB is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
ASB’s FA Score shows that 2 FA rating(s) are green whileFNB’s FA Score has 1 green FA rating(s).
- ASB’s FA Score: 2 green, 3 red.
- FNB’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
ASB’s TA Score shows that 5 TA indicator(s) are bullish while FNB’s TA Score has 4 bullish TA indicator(s).
- ASB’s TA Score: 5 bullish, 4 bearish.
- FNB’s TA Score: 4 bullish, 4 bearish.
Price Growth
ASB (@Regional Banks) experienced а -0.91% price change this week, while FNB (@Regional Banks) price change was -0.57% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.40%. For the same industry, the average monthly price growth was +6.48%, and the average quarterly price growth was +17.14%.
Reported Earning Dates
ASB is expected to report earnings on Jul 23, 2026.
FNB is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (+0.40% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| ASB | FNB | ASB / FNB | |
| Capitalization | 5.79B | 6.77B | 85% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 21.080 | 12.918 | 163% |
| P/E Ratio | 10.20 | 11.33 | 90% |
| Revenue | 1.52B | 1.8B | 84% |
| Total Cash | 465M | 452M | 103% |
| Total Debt | 4.01B | 3.14B | 128% |
ASB | FNB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 25 Undervalued | 43 Fair valued | |
PROFIT vs RISK RATING 1..100 | 38 | 34 | |
SMR RATING 1..100 | 22 | 20 | |
PRICE GROWTH RATING 1..100 | 43 | 45 | |
P/E GROWTH RATING 1..100 | 97 | 50 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ASB's Valuation (25) in the Regional Banks industry is in the same range as FNB (43). This means that ASB’s stock grew similarly to FNB’s over the last 12 months.
FNB's Profit vs Risk Rating (34) in the Regional Banks industry is in the same range as ASB (38). This means that FNB’s stock grew similarly to ASB’s over the last 12 months.
FNB's SMR Rating (20) in the Regional Banks industry is in the same range as ASB (22). This means that FNB’s stock grew similarly to ASB’s over the last 12 months.
ASB's Price Growth Rating (43) in the Regional Banks industry is in the same range as FNB (45). This means that ASB’s stock grew similarly to FNB’s over the last 12 months.
FNB's P/E Growth Rating (50) in the Regional Banks industry is somewhat better than the same rating for ASB (97). This means that FNB’s stock grew somewhat faster than ASB’s over the last 12 months.
| ASB | FNB | |
|---|---|---|
| RSI ODDS (%) | 5 days ago 74% | 5 days ago 61% |
| Stochastic ODDS (%) | 5 days ago 55% | 5 days ago 58% |
| Momentum ODDS (%) | 5 days ago 69% | N/A |
| MACD ODDS (%) | 5 days ago 63% | 5 days ago 61% |
| TrendWeek ODDS (%) | 5 days ago 60% | 5 days ago 60% |
| TrendMonth ODDS (%) | 5 days ago 57% | 5 days ago 51% |
| Advances ODDS (%) | 11 days ago 60% | 11 days ago 56% |
| Declines ODDS (%) | 7 days ago 60% | 7 days ago 57% |
| BollingerBands ODDS (%) | 5 days ago 64% | 5 days ago 59% |
| Aroon ODDS (%) | 5 days ago 52% | 5 days ago 43% |
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FNB and
Correlation & Price change
A.I.dvisor indicates that over the last year, FNB has been closely correlated with ASB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNB jumps, then ASB could also see price increases.
| Ticker / NAME | Correlation To FNB | 1D Price Change % | ||
|---|---|---|---|---|
| FNB | 100% | -2.06% | ||
| ASB - FNB | 91% Closely correlated | -1.86% | ||
| ONB - FNB | 90% Closely correlated | -0.88% | ||
| ZION - FNB | 90% Closely correlated | -1.91% | ||
| WTFC - FNB | 89% Closely correlated | -0.98% | ||
| HWC - FNB | 87% Closely correlated | -1.39% | ||
More | ||||