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BANF vs FNB
Which Stock Would AI Choose? BancFirst Corporation (BANF) vs. F.N.B. Corporation (FNB) Stock Comparison
Key Takeaways
- BancFirst Corporation (BANF) reported first-quarter 2026 earnings per share (EPS) of $1.85, surpassing estimates, with net interest margin (NIM) improving to 3.74%.
- F.N.B. Corporation (FNB) posted Q1 EPS of $0.38, meeting expectations and up 19% year-over-year, alongside an 8% dividend increase and new $250 million share repurchase program.
- FNB shares gained about 13% over the recent month, outperforming broader indices, while BANF experienced more muted price action amid market volatility.
- Both stocks trade in the regional banking sector, with BANF focused on Oklahoma and FNB spanning multiple Mid-Atlantic states.
- Recent sentiment favors dividend sustainability and capital returns at FNB, boosting investor interest.
Introduction
Regional banking stocks like BancFirst Corporation (BANF) and F.N.B. Corporation (FNB) offer exposure to interest rate dynamics, loan growth, and deposit stability in the current market. This comparison analyzes their recent performance, financial metrics, and positioning amid shifting economic conditions. Traders seeking momentum plays and long-term investors eyeing dividends may find value in evaluating relative strength, earnings trends, and strategic moves. With both companies releasing first-quarter results in recent weeks, the analysis highlights contrasts in growth drivers and market reactions for informed stock comparison decisions.
BANF Overview and Recent Performance
BancFirst Corporation (BANF) is a bank holding company headquartered in Oklahoma City, primarily serving commercial and retail banking needs across Oklahoma through its banking and non-banking subsidiaries. In recent market activity, BANF shares have traded around the mid-$110 range, reflecting resilience within the 52-week spectrum from approximately $101 to $139. The stock's performance has been influenced by solid first-quarter 2026 results, including EPS of $1.85 that exceeded analyst forecasts and a NIM expansion to 3.74% from the prior year. Sentiment has benefited from controlled provisions for credit losses and steady deposit growth, though broader sector pressures from interest rate expectations have tempered gains in recent weeks.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB) operates as a diversified financial holding company with banking, trust, and wealth management services across Pennsylvania, Ohio, and other Mid-Atlantic states. Recently, FNB stock has hovered near $18, showing upward momentum with a roughly 3% daily gain amid positive announcements. Key drivers include first-quarter 2026 EPS of $0.38, aligning with consensus and marking a 19% year-over-year rise, coupled with pre-provision net revenue growth. Management's decision to raise the quarterly dividend by 8% and authorize a $250 million repurchase program has enhanced sentiment, signaling confidence in ongoing profitability and capital management during recent market activity.
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Head-to-Head Comparison
BancFirst Corporation (BANF) and F.N.B. Corporation (FNB) both anchor in regional banking, emphasizing commercial lending and deposits, but differ in scale and geography—BANF’s Oklahoma focus offers niche stability versus FNB’s broader diversification reducing single-market risk. Growth drivers for BANF include NIM expansion, while FNB leverages fee income from wealth management. Recent momentum favors FNB with its 13% monthly gain, contrasting BANF’s steadier path. Risk factors involve credit quality (non-performing loans, or NCOs) and rate sensitivity, with both exhibiting moderate betas. Sector exposure ties them to economic cycles, but FNB’s capital returns edge out in bolstering market sentiment.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward F.N.B. Corporation (FNB) based on stronger recent momentum, dividend enhancement signaling shareholder returns, and consistent earnings growth amid regional bank pressures. BANF shows earnings strength but lags in price catalysts. This probabilistic edge reflects trend consistency and relative positioning, subject to evolving market data.
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 disclaimer. 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 BANF 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).
BANF’s FA Score shows that 0 FA rating(s) are green whileFNB’s FA Score has 2 green FA rating(s).
- BANF’s FA Score: 0 green, 5 red.
- FNB’s FA Score: 2 green, 3 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.
BANF’s TA Score shows that 6 TA indicator(s) are bullish while FNB’s TA Score has 5 bullish TA indicator(s).
- BANF’s TA Score: 6 bullish, 3 bearish.
- FNB’s TA Score: 5 bullish, 4 bearish.
Price Growth
BANF (@Regional Banks) experienced а -1.68% price change this week, while FNB (@Regional Banks) price change was +2.01% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +13.60%.
Reported Earning Dates
BANF is expected to report earnings on Jul 16, 2026.
FNB is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Regional Banks (+1.31% 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.
| BANF | FNB | BANF / FNB | |
| Capitalization | 3.77B | 6.67B | 56% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 6.217 | 11.256 | 55% |
| P/E Ratio | 15.25 | 11.33 | 135% |
| Revenue | 705M | 1.8B | 39% |
| Total Cash | 205M | 452M | 45% |
| Total Debt | 101M | 3.14B | 3% |
BANF | FNB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 39 | 32 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 78 Overvalued | 44 Fair valued | |
PROFIT vs RISK RATING 1..100 | 41 | 33 | |
SMR RATING 1..100 | 35 | 20 | |
PRICE GROWTH RATING 1..100 | 55 | 46 | |
P/E GROWTH RATING 1..100 | 71 | 50 | |
SEASONALITY SCORE 1..100 | n/a | 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.
FNB's Valuation (44) in the Regional Banks industry is somewhat better than the same rating for BANF (78). This means that FNB’s stock grew somewhat faster than BANF’s over the last 12 months.
FNB's Profit vs Risk Rating (33) in the Regional Banks industry is in the same range as BANF (41). This means that FNB’s stock grew similarly to BANF’s over the last 12 months.
FNB's SMR Rating (20) in the Regional Banks industry is in the same range as BANF (35). This means that FNB’s stock grew similarly to BANF’s over the last 12 months.
FNB's Price Growth Rating (46) in the Regional Banks industry is in the same range as BANF (55). This means that FNB’s stock grew similarly to BANF’s over the last 12 months.
FNB's P/E Growth Rating (50) in the Regional Banks industry is in the same range as BANF (71). This means that FNB’s stock grew similarly to BANF’s over the last 12 months.
| BANF | FNB | |
|---|---|---|
| RSI ODDS (%) | N/A | 1 day ago 67% |
| Stochastic ODDS (%) | 1 day ago 69% | 1 day ago 65% |
| Momentum ODDS (%) | 1 day ago 69% | 1 day ago 65% |
| MACD ODDS (%) | 1 day ago 70% | 1 day ago 57% |
| TrendWeek ODDS (%) | 1 day ago 60% | 1 day ago 57% |
| TrendMonth ODDS (%) | 1 day ago 63% | 1 day ago 51% |
| Advances ODDS (%) | 1 day ago 65% | 1 day ago 55% |
| Declines ODDS (%) | 23 days ago 65% | 23 days ago 57% |
| BollingerBands ODDS (%) | 1 day ago 53% | 1 day ago 70% |
| Aroon ODDS (%) | 1 day ago 54% | 1 day 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% | +2.12% | ||
| ASB - FNB | 91% Closely correlated | +1.70% | ||
| ZION - FNB | 91% Closely correlated | +2.04% | ||
| ONB - FNB | 90% Closely correlated | +1.28% | ||
| WTFC - FNB | 90% Closely correlated | +1.07% | ||
| FULT - FNB | 89% Closely correlated | +2.65% | ||
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