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FHN vs FNB
Which Stock Would AI Choose? First Horizon Corporation (FHN) vs. F.N.B. Corporation (FNB) Stock Comparison
Key Takeaways
- First Horizon Corporation (FHN) is a Memphis-based regional bank with roughly $84 billion in assets, while F.N.B. Corporation (FNB) is a Pittsburgh-based regional bank that recently crossed the $50 billion asset threshold.
- Both banks have delivered double-digit earnings-per-share (EPS) growth in recent quarters, but FNB has shown stronger relative price momentum and a higher Common Equity Tier 1 (CET1) capital ratio, a key measure of a bank's financial cushion.
- FHN generates a higher return on tangible common equity (ROTCE), reflecting stronger profitability, while FNB runs an industry-leading efficiency ratio in the low-to-mid 50% range.
- Both names face shared headwinds from regional-bank sentiment, yield-curve volatility, and deposit competition, which have pressured share prices in recent weeks.
- FNB has returned capital more aggressively through an 8% dividend increase and a $250 million share repurchase authorization, while FHN continues to emphasize balance-sheet growth and fee diversification.
Introduction
Regional banks remain a focal point for investors weighing interest-rate trends, credit quality, and deposit costs, making a direct stock comparison between two similarly sized franchises especially useful. FHN and FNB both operate diversified commercial and consumer banking models, yet their growth profiles, capital-return priorities, and recent market positioning differ in meaningful ways. This comparison is relevant for traders and long-term investors seeking to understand relative performance, momentum, and risk within the regional-banking sector. By examining business models, recent results, and sentiment shifts, readers can better assess how each stock is positioned in the current market environment.
FHN Overview and Recent Performance
First Horizon Corporation, based in Memphis, Tennessee, is a leading regional financial services company with approximately $84 billion in assets. Its franchise spans commercial banking, wealth management, treasury management, and a meaningful fixed-income business through FHN Financial, which provides some counter-cyclical revenue diversification. The company's 2020 merger with Iberiabank expanded its Southeast footprint and customer base.
In recent quarters, FHN has posted steady profitability, with net income available to common shareholders rising 21% year over year in the first quarter and 12% in the second quarter. Return on tangible common equity (ROTCE), a measure of how efficiently a bank generates profit from shareholder capital, reached the mid-15% range, among the stronger levels in its peer group. However, relative performance has been mixed: shares gained roughly 9% over the trailing year but pulled back more recently as regional-bank sentiment softened on macro concerns, yield-curve jitters, and cash-sorting dynamics. Analysts have maintained a generally constructive view, with targets clustered in the mid-to-high $20s, though some firms trimmed targets amid broader sector caution.
FNB Overview and Recent Performance
F.N.B. Corporation, headquartered in Pittsburgh, Pennsylvania, operates through its principal subsidiary, First National Bank, and has grown its balance sheet past the $50 billion mark. Its "Clicks-to-Bricks" strategy blends digital capabilities—including the eStore platform and a Common App for onboarding—with a traditional branch network, and the company has invested heavily in artificial intelligence and data analytics.
Recent results have been solid. First-quarter EPS rose 19% year over year, and second-quarter revenue reached a record as fee income and wealth-management fees expanded. FNB's efficiency ratio, which measures non-interest expense as a share of revenue (lower is better), improved to the low 50% range—an industry-leading level. Tangible book value per share, a measure of underlying shareholder value, increased about 11% year over year. Capital return has been a differentiator: FNB raised its quarterly dividend 8% and authorized a $250 million share repurchase program. The stock has outperformed peers over the past year, though it has also pulled back in recent weeks alongside the broader regional-bank complex.
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Head-to-Head Comparison
While both companies are diversified regional banks, their profiles diverge in important ways. FHN operates a larger balance sheet and carries a distinct fixed-income and mortgage-company lending component that can offset rate-sensitive spread pressure but also introduces some earnings volatility. FNB, by contrast, is more concentrated in commercial and industrial lending and has emphasized organic digital-led growth and disciplined acquisitions.
On profitability, FHN has historically generated a higher return on tangible common equity, while FNB leads on efficiency and capital ratios. FNB's CET1 ratio of approximately 11.4% exceeds FHN's roughly 10.5%, giving FNB a slightly larger capital cushion. Both banks have improved asset quality, with net charge-offs remaining modest relative to loans.
Growth drivers also differ: FHN points to relationship-based deposit gathering, wealth-management expansion, and treasury services, while FNB leans on digital acquisition, branch expansion in high-growth Southeast markets, and capital-markets build-out. Risk factors are broadly similar—deposit-cost competition, commercial real estate exposure, and interest-rate sensitivity—but FNB's lower-cost deposit base and higher capital may offer marginally more defensive positioning, whereas FHN's asset-sensitive balance sheet and fee businesses provide more torque if rates stabilize.
Tickeron AI Verdict
Based on observable factors such as trend consistency, relative momentum, capital positioning, and near-term catalysts, Tickeron's AI would likely tilt toward FNB at present. FNB has demonstrated steadier relative performance, a higher CET1 capital ratio, an improving efficiency profile, and active capital return through a dividend increase and buybacks—attributes that tend to align with favorable trend signals. That said, FHN retains a stronger profitability profile and diversified fee streams that could regain favor if interest-rate and regional-bank sentiment stabilize. The distinction is probabilistic rather than definitive, and the AI's preference could shift as momentum, credit trends, and macro conditions evolve.
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.
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 FHN is a Hold and FNB is a Hold.
FHN's Indicator enters downward trend
The Aroon Indicator for FHN entered a downward trend on October 16, 2026. Tickeron's A.I.dvisor identified a pattern where the AroonDown red line was above 70 while the AroonUp green line was below 30 for three straight days. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options. A.I.dvisor looked at 101 similar instances where the Aroon Indicator formed such a pattern. In 58 of the 101 cases the stock moved lower. This puts the odds of a downward move at 57%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 09, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on FHN as a result. In 38 of 82 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 46%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where FHN declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 53%.
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where FHN's RSI Indicator exited the oversold zone, 14 of 23 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 61%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 33 of 50 cases where FHN's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 66%.
The Moving Average Convergence Divergence (MACD) for FHN just turned positive on October 15, 2026. Looking at past instances where FHN's MACD turned positive, the stock continued to rise in 26 of 49 cases over the following month. The odds of a continued upward trend are 53%.
Following a +0.93% 3-day Advance, the price is estimated to grow further. Considering data from situations where FHN advanced for three days, in 179 of 321 cases, the price rose further within the following month. The odds of a continued upward trend are 56%.
FHN may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 9 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 34 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.295) is normal, around the industry mean (1.323). P/E Ratio (11.149) is within average values for comparable stocks, (23.509). Projected Growth (PEG Ratio) (0.050) is also within normal values, averaging (1.190). Dividend Yield (0.029) settles around the average of (0.030) among similar stocks. P/S Ratio (3.448) is also within normal values, averaging (3.738).
The Tickeron Profit vs. Risk Rating rating for this company is 55 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock slightly better than average.
The Tickeron Price Growth Rating for this company is 59 (best 1 - 100 worst), indicating fairly steady price growth. FHN’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 69 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
FNB's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for FNB turned positive on October 15, 2026. Looking at past instances where FNB's MACD turned positive, the stock continued to rise in 31 of 42 cases over the following month. The odds of a continued upward trend are 74%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where FNB's RSI Oscillator exited the oversold zone, 17 of 25 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 68%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 37 of 55 cases where FNB's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 67%.
Following a +1.77% 3-day Advance, the price is estimated to grow further. Considering data from situations where FNB advanced for three days, in 163 of 295 cases, the price rose further within the following month. The odds of a continued upward trend are 55%.
FNB may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on September 17, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on FNB as a result. In 50 of 85 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 59%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where FNB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 57%.
The Aroon Indicator for FNB entered a downward trend on October 16, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 11 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 30 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron Valuation Rating of 43 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.907) is normal, around the industry mean (1.323). P/E Ratio (10.375) is within average values for comparable stocks, (23.509). Projected Growth (PEG Ratio) (1.530) is also within normal values, averaging (1.190). Dividend Yield (0.029) settles around the average of (0.030) among similar stocks. P/S Ratio (3.524) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 58 (best 1 - 100 worst), indicating fairly steady price growth. FNB’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 59 (best 1 - 100 worst), pointing to average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
FHN | FNB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 69 | 66 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 34 Fair valued | 43 Fair valued | |
PROFIT vs RISK RATING 1..100 | 55 | 30 | |
SMR RATING 1..100 | 9 | 11 | |
PRICE GROWTH RATING 1..100 | 59 | 58 | |
P/E GROWTH RATING 1..100 | 69 | 59 | |
SEASONALITY SCORE 1..100 | 75 | 90 |
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.
FHN's Valuation (34) in the Regional Banks industry is in the same range as FNB (43). This means that FHN’s stock grew similarly to FNB’s over the last 12 months.
FNB's Profit vs Risk Rating (30) in the Regional Banks industry is in the same range as FHN (55). This means that FNB’s stock grew similarly to FHN’s over the last 12 months.
FHN's SMR Rating (9) in the Regional Banks industry is in the same range as FNB (11). This means that FHN’s stock grew similarly to FNB’s over the last 12 months.
FNB's Price Growth Rating (58) in the Regional Banks industry is in the same range as FHN (59). This means that FNB’s stock grew similarly to FHN’s over the last 12 months.
FNB's P/E Growth Rating (59) in the Regional Banks industry is in the same range as FHN (69). This means that FNB’s stock grew similarly to FHN’s over the last 12 months.
| FHN | FNB | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 61% | 2 days ago 68% |
| Stochastic ODDS (%) | 2 days ago 66% | 2 days ago 67% |
| Momentum ODDS (%) | 2 days ago 46% | 2 days ago 59% |
| MACD ODDS (%) | 2 days ago 53% | 2 days ago 74% |
| TrendWeek ODDS (%) | 2 days ago 52% | 2 days ago 56% |
| TrendMonth ODDS (%) | 2 days ago 52% | 2 days ago 55% |
| Advances ODDS (%) | 2 days ago 56% | 2 days ago 55% |
| Declines ODDS (%) | 4 days ago 53% | 4 days ago 57% |
| BollingerBands ODDS (%) | 2 days ago 74% | 2 days ago 55% |
| Aroon ODDS (%) | 2 days ago 57% | 2 days ago 64% |
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 overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FHN’s FA Score shows that 1 FA rating(s) are green while FNB’s FA Score has 2 green FA rating(s).
- FHN’s FA Score: 1 green, 4 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.
FHN’s TA Score shows that 5 TA indicator(s) are bullish while FNB’s TA Score has 5 bullish TA indicator(s).
- FHN’s TA Score: 5 bullish, 3 bearish.
- FNB’s TA Score: 5 bullish, 3 bearish.
Price Growth
FHN (@Regional Banks) experienced а -0.87% price change this week, while FNB (@Regional Banks) price change was +1.00% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.49%. For the same industry, the average monthly price growth was -2.80%, and the average quarterly price growth was +4.68%.
Reported Earning Dates
FHN is expected to report earnings on Jan 21, 2027.
FNB is expected to report earnings on Oct 19, 2026.
Industries' Descriptions
@Regional Banks (+0.49% 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.
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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 90% 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% | +0.41% | ||
| ASB - FNB | 90% Closely correlated | +0.42% | ||
| ONB - FNB | 89% Closely correlated | +0.04% | ||
| WTFC - FNB | 88% Closely correlated | +0.38% | ||
| ZION - FNB | 87% Closely correlated | +0.57% | ||
| CFG - FNB | 87% Closely correlated | -0.11% | ||
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