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FFBC vs FNB
Which Stock Would AI Choose? First Financial Bancorp (FFBC) vs. F.N.B. Corporation (FNB) Stock Comparison
Key Takeaways
- First Financial Bancorp (FFBC) has outperformed FNB year-to-date with a 19.65% return compared to FNB's 5.01%.
- FNB boasts a larger market capitalization of $6.34 billion versus FFBC's $3.11 billion, offering greater scale in regional banking operations.
- Both stocks trade at similar trailing P/E ratios around 11, with comparable profitability metrics including ROE near 9-10%.
- FFBC offers a higher dividend yield of 3.34% compared to FNB's 2.92%, appealing to income-focused investors.
- Tickeron's AI analysis gives FNB a slight edge with 55% probability of outperformance over the next quarter due to recent earnings momentum.
Introduction
This stock comparison examines FFBC and FNB, two regional banking players navigating interest rate dynamics and economic shifts. Both operate in the competitive U.S. banking sector, focusing on commercial and consumer lending. Traders seeking short-term momentum and investors eyeing dividends or growth stability will find value in analyzing their relative performance, valuation, and market positioning. With recent earnings highlighting resilience amid sector pressures, this review aids decisions on portfolio allocation in regional banks.
FFBC Overview and Recent Performance
First Financial Bancorp (FFBC) is a bank holding company for First Financial Bank, providing commercial banking, mortgage, and wealth management services primarily in Ohio, Indiana, and Kentucky. In recent market activity, FFBC shares have shown strong momentum, with a year-to-date gain of 19.65% and a one-year return of 36.14%, outpacing the S&P 500. Trading near $29.67, the stock sits within its 52-week range of $22.55-$31.38, supported by solid profitability (ROE of 9.82%) and a market cap of $3.11 billion. Sentiment has been bolstered by record 2025 results and an upcoming Q1 earnings report, though revenue growth has been muted at around 4-5% annually. Lower beta of 0.94 indicates relative stability versus broader market volatility.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB) is a diversified financial holding company offering banking, insurance, and wealth management to consumers, businesses, and governments across Pennsylvania, Ohio, and other Mid-Atlantic states. Recent weeks have featured robust Q1 2026 results, with EPS rising 19% to $0.38 and revenues up 9.4% year-over-year to $450 million, meeting estimates despite expense growth. Shares trade around $17.83 within a 52-week range of $12.55-$19.14, with YTD performance at 5.01% and a one-year gain of 45.74%. A larger $6.34 billion market cap and CET1 (Common Equity Tier 1) ratio of 11.4% underscore capital strength, while analyst price target hikes reflect positive sentiment on loan growth and digital initiatives.
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Head-to-Head Comparison
Both FFBC and FNB focus on regional banking models emphasizing deposits, loans, and fee income, but FNB's larger asset base (over $50 billion) provides broader sector exposure and diversification versus FFBC's $21.1 billion. Growth drivers differ: FFBC benefits from recent price momentum and higher dividends, while FNB shows stronger revenue scale ($1.77 billion vs. $899 million) and recent EPS beats. Risk factors include interest rate sensitivity (similar betas ~0.9), with FFBC's higher ROA (1.29%) edging FNB's (1.17%). Market sentiment favors FFBC's YTD surge but tilts to FNB on technicals and catalysts like buybacks.
Tickeron AI Verdict
Tickeron's AI currently favors FNB with a 55% probability of outperforming FFBC over the next quarter. This edges on FNB's superior scale, recent earnings consistency, revenue momentum, and diversified operations amid stabilizing rates, though FFBC's stronger YTD trend offers near-term upside potential.
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 FFBC is a Buy and FNB is a StrongBuy.
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).
FFBC’s FA Score shows that 2 FA rating(s) are green whileFNB’s FA Score has 0 green FA rating(s).
- FFBC’s FA Score: 2 green, 3 red.
- FNB’s FA Score: 0 green, 5 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.
FFBC’s TA Score shows that 4 TA indicator(s) are bullish while FNB’s TA Score has 5 bullish TA indicator(s).
- FFBC’s TA Score: 4 bullish, 3 bearish.
- FNB’s TA Score: 5 bullish, 3 bearish.
Price Growth
FFBC (@Regional Banks) experienced а +2.99% price change this week, while FNB (@Regional Banks) price change was +3.80% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +4.63%. For the same industry, the average monthly price growth was +4.48%, and the average quarterly price growth was +10.24%.
Reported Earning Dates
FFBC is expected to report earnings on Jul 16, 2026.
FNB is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Regional Banks (+4.63% 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.
| FFBC | FNB | FFBC / FNB | |
| Capitalization | 3.31B | 6.42B | 52% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 27.543 | 7.044 | 391% |
| P/E Ratio | 11.15 | 11.14 | 100% |
| Revenue | 962M | 1.8B | 53% |
| Total Cash | 171M | 452M | 38% |
| Total Debt | 1B | 3.14B | 32% |
FFBC | FNB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 15 | 22 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 33 Fair valued | 45 Fair valued | |
PROFIT vs RISK RATING 1..100 | 32 | 36 | |
SMR RATING 1..100 | 100 | 100 | |
PRICE GROWTH RATING 1..100 | 44 | 47 | |
P/E GROWTH RATING 1..100 | 42 | 51 | |
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.
FFBC's Valuation (33) in the Regional Banks industry is in the same range as FNB (45). This means that FFBC’s stock grew similarly to FNB’s over the last 12 months.
FFBC's Profit vs Risk Rating (32) in the Regional Banks industry is in the same range as FNB (36). This means that FFBC’s stock grew similarly to FNB’s over the last 12 months.
FFBC's SMR Rating (100) in the Regional Banks industry is in the same range as FNB (100). This means that FFBC’s stock grew similarly to FNB’s over the last 12 months.
FFBC's Price Growth Rating (44) in the Regional Banks industry is in the same range as FNB (47). This means that FFBC’s stock grew similarly to FNB’s over the last 12 months.
FFBC's P/E Growth Rating (42) in the Regional Banks industry is in the same range as FNB (51). This means that FFBC’s stock grew similarly to FNB’s over the last 12 months.
| FFBC | FNB | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 57% | 2 days ago 52% |
| Momentum ODDS (%) | 2 days ago 63% | 2 days ago 62% |
| MACD ODDS (%) | 2 days ago 72% | 2 days ago 78% |
| TrendWeek ODDS (%) | 2 days ago 61% | 2 days ago 57% |
| TrendMonth ODDS (%) | 2 days ago 55% | 2 days ago 51% |
| Advances ODDS (%) | 6 days ago 61% | 2 days ago 55% |
| Declines ODDS (%) | 10 days ago 62% | 10 days ago 57% |
| BollingerBands ODDS (%) | 2 days ago 63% | 2 days ago 68% |
| Aroon ODDS (%) | 2 days ago 49% | 2 days ago 57% |
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FNB and
Correlation & Price change
A.I.dvisor indicates that over the last year, FNB has been closely correlated with ZION. 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 ZION could also see price increases.
| Ticker / NAME | Correlation To FNB | 1D Price Change % | ||
|---|---|---|---|---|
| FNB | 100% | +1.86% | ||
| ZION - FNB | 91% Closely correlated | +2.50% | ||
| ASB - FNB | 91% Closely correlated | +2.20% | ||
| ONB - FNB | 90% Closely correlated | +1.98% | ||
| WTFC - FNB | 89% Closely correlated | +2.36% | ||
| FULT - FNB | 89% Closely correlated | +2.04% | ||
More | ||||