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FHN vs FNB
Which Stock Would AI Choose? First Horizon (FHN) vs. F.N.B. Corporation (FNB) Stock Comparison
Key Takeaways
- Both FHN and FNB are regional banks with strong capital positions and upcoming second-quarter 2026 earnings releases scheduled for mid-July.
- FHN stock has traded near $25.74 in recent market activity, reflecting resilience amid broader sector dynamics, while FNB has hovered around $18.83 with similar positive year-to-date momentum.
- First Horizon reported robust first-quarter 2026 results with EPS of $0.53 and return on tangible common equity (ROTCE) reaching 15.1%, highlighting efficient capital deployment.
- F.N.B. Corporation demonstrated solid first-quarter performance with diluted EPS of $0.38, an 8% dividend increase, and authorization of a new $250 million share repurchase program.
- Both companies operate primarily in the regional banking sector, exposing them to comparable interest rate sensitivity, credit quality trends, and net interest income (NII) dynamics.
- Analyst price targets suggest measured optimism for both, with FHN targets clustering around $26–$28 and FNB near $21.
Introduction
This comparison examines FHN (First Horizon Corporation) and FNB (F.N.B. Corporation), two regional banking institutions, to highlight differences in scale, performance metrics, and market positioning. Investors focused on the financial sector, particularly those evaluating mid-sized banks for portfolio allocation or relative value opportunities, may find this analysis relevant. The review emphasizes verifiable recent developments and observable trends without forward-looking speculation.
FHN Overview and Recent Performance
First Horizon Corporation operates as a bank holding company providing commercial, consumer, and specialty banking services across the southeastern United States. In recent weeks, FHN stock has demonstrated stability around the $25–$26 range amid sector-wide movements influenced by interest rate expectations and economic data. Leadership appointments in key regional markets and recognition for innovation have supported sentiment. The company is scheduled to release second-quarter 2026 results on July 15, 2026, following a first-quarter report that showed year-over-year net income growth and an adjusted ROTCE above 15%. Broader market activity has reflected cautious optimism tied to capital management and tangible book value expansion.
FNB Overview and Recent Performance
F.N.B. Corporation serves as the holding company for First National Bank, offering retail, commercial, and wealth management services primarily in the mid-Atlantic and southeastern regions. FNB shares have traded near $18–$19 in recent market activity, supported by positive year-to-date returns and recognition on growth lists. The company plans to report second-quarter 2026 earnings around July 16–17, 2026. First-quarter results highlighted revenue growth, an increased common dividend, and authorization of additional share repurchases totaling $250 million. Recent developments underscore disciplined balance sheet management and non-interest income contributions amid ongoing sector competition.
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Head-to-Head Comparison
First Horizon maintains a larger market capitalization and broader geographic footprint compared with F.N.B. Corporation, which focuses on more concentrated regional operations. Growth drivers differ modestly: FHN has emphasized specialty lending and leadership enhancements, while FNB has highlighted share repurchases and dividend growth to return capital. Recent momentum shows both stocks participating in sector rebounds, though FHN trades at a higher absolute price level with correspondingly elevated analyst targets. Risk factors remain aligned with regional banking exposures, including net interest margin pressure from rate changes and credit quality monitoring via non-performing assets. Market sentiment appears balanced, with neither exhibiting pronounced outperformance in the latest reporting period; trade-offs center on scale versus capital return initiatives.
Tickeron AI Verdict
Based on observable factors including trend consistency in recent weeks, stability around key price levels, and positioning ahead of earnings, Tickeron’s AI models indicate a modest probabilistic preference for FHN due to its demonstrated ROTCE strength and broader analyst target dispersion. This assessment remains conditional on continued data alignment and does not constitute investment guidance.
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.
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).
FHN’s FA Score shows that 1 FA rating(s) are green whileFNB’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 3 TA indicator(s) are bullish while FNB’s TA Score has 4 bullish TA indicator(s).
- FHN’s TA Score: 3 bullish, 5 bearish.
- FNB’s TA Score: 4 bullish, 5 bearish.
Price Growth
FHN (@Regional Banks) experienced а -0.12% price change this week, while FNB (@Regional Banks) price change was -1.25% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.58%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +15.22%.
Reported Earning Dates
FHN is expected to report earnings on Jul 15, 2026.
FNB is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (-0.58% 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.
| FHN | FNB | FHN / FNB | |
| Capitalization | 12.3B | 6.74B | 183% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 9.614 | 12.325 | 78% |
| P/E Ratio | 12.97 | 11.69 | 111% |
| Revenue | 3.37B | 1.8B | 187% |
| Total Cash | 889M | 452M | 197% |
| Total Debt | 3.29B | 3.14B | 105% |
FHN | FNB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 39 | 87 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 45 Fair valued | 44 Fair valued | |
PROFIT vs RISK RATING 1..100 | 56 | 32 | |
SMR RATING 1..100 | 14 | 21 | |
PRICE GROWTH RATING 1..100 | 48 | 47 | |
P/E GROWTH RATING 1..100 | 67 | 59 | |
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.
FNB's Valuation (44) in the Regional Banks industry is in the same range as FHN (45). This means that FNB’s stock grew similarly to FHN’s over the last 12 months.
FNB's Profit vs Risk Rating (32) in the Regional Banks industry is in the same range as FHN (56). This means that FNB’s stock grew similarly to FHN’s over the last 12 months.
FHN's SMR Rating (14) in the Regional Banks industry is in the same range as FNB (21). This means that FHN’s stock grew similarly to FNB’s over the last 12 months.
FNB's Price Growth Rating (47) in the Regional Banks industry is in the same range as FHN (48). 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 (67). This means that FNB’s stock grew similarly to FHN’s over the last 12 months.
| FHN | FNB | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 64% | 1 day ago 76% |
| Stochastic ODDS (%) | 1 day ago 52% | 1 day ago 70% |
| Momentum ODDS (%) | N/A | 1 day ago 63% |
| MACD ODDS (%) | 1 day ago 53% | 1 day ago 57% |
| TrendWeek ODDS (%) | 1 day ago 50% | 1 day ago 60% |
| TrendMonth ODDS (%) | 1 day ago 53% | 1 day ago 52% |
| Advances ODDS (%) | 1 day ago 59% | 1 day ago 57% |
| Declines ODDS (%) | 6 days ago 51% | 6 days ago 56% |
| BollingerBands ODDS (%) | 1 day ago 63% | 1 day ago 61% |
| Aroon ODDS (%) | 1 day ago 49% | 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% | +0.53% | ||
| ASB - FNB | 91% Closely correlated | +0.56% | ||
| ONB - FNB | 90% Closely correlated | +0.44% | ||
| ZION - FNB | 90% Closely correlated | -0.42% | ||
| WTFC - FNB | 89% Closely correlated | -0.01% | ||
| HWC - FNB | 87% Closely correlated | +0.70% | ||
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