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FHN vs RF
Which Stock Would AI Choose? First Horizon Corporation (FHN) vs. Regions Financial Corporation (RF) Stock Comparison
Key Takeaways
- FHN (First Horizon) and RF (Regions Financial) are both Southeast-focused regional banks, but they differ meaningfully in size, profitability, and capital-return strategy.
- Regions Financial is the larger franchise with a higher return on tangible common equity (ROTCE, a measure of profitability) and a larger dividend yield, while First Horizon trades at a lower market capitalization with a more asset-sensitive balance sheet.
- Both stocks pulled back in recent weeks amid broader regional-bank volatility, macro concerns, and yield-curve swings, even as underlying credit metrics remained broadly stable.
- First Horizon emphasizes buybacks and revenue diversification, while Regions pairs buybacks with a growing dividend and an expanding fee-income platform.
- Relative performance and valuation are close enough that style, time horizon, and risk tolerance play a larger role than any single fundamental advantage.
Introduction
Regional banks remain a focal point for investors assessing how interest-rate expectations, loan growth, and credit quality shape earnings. This stock comparison examines FHN (First Horizon Corporation) and RF (Regions Financial Corporation), two well-capitalized lenders with heavy exposure to the U.S. Southeast. The comparison is relevant to traders tracking sector momentum and to longer-term investors evaluating market positioning, capital returns, and profitability. While both companies share similar geographic and economic tailwinds, their balance sheets, business mixes, and capital-return approaches create distinct risk-reward profiles worth understanding before forming a view.
FHN Overview and Recent Performance
First Horizon Corporation is a Memphis-based regional bank serving commercial, consumer, and wealth clients primarily across the Southeast and Texas. Its franchise was reshaped by the 2020 IBERIABANK merger, which expanded its footprint and cross-selling opportunities. First Horizon has also built counter-cyclical businesses—including fixed income, mortgage banking, and lending to mortgage companies—that can partially offset pressure on its asset-sensitive balance sheet when interest rates decline.
In recent market activity, FHN shares experienced choppy trading, with a notable pullback in recent weeks following quarterly results that beat revenue expectations but drew investor attention to broader regional-bank risks. Profitability remains solid, with adjusted ROTCE running above 15%, supported by disciplined expense management and share repurchases. Management continues to target positive operating leverage and more than $100 million of additional revenue-driven pre-provision net revenue (PPNR, a measure of earnings before credit costs and taxes). Analyst price targets have generally clustered in the mid-to-high $20s, reflecting a mix of Buy and Hold ratings.
RF Overview and Recent Performance
Regions Financial Corporation is a Birmingham, Alabama-based bank holding company with a leading presence across high-growth Sun Belt and Midwest markets. The company generates revenue through consumer and commercial banking, wealth management, mortgage, and a growing capital markets platform, with recent acquisitions aimed at expanding fee-based income in municipal and corporate investment banking.
RF shares also declined in recent weeks, falling more than 10% over a recent one-month stretch as investors reassessed near-term bank risks alongside a planned finance leadership transition. Fundamentally, Regions has delivered steady results: ROTCE reached roughly 18% in a recent quarter, and the company raised its quarterly dividend by about 13%, pairing that with a multi-billion-dollar share repurchase authorization. Its Common Equity Tier 1 (CET1, a key regulatory capital measure) ratio has remained in the high single digits, providing flexibility for both growth and capital returns. Analysts have maintained a generally constructive view, with targets clustered around the low $30s.
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Head-to-Head Comparison
Several contrasts define this stock comparison. Scale and profitability: Regions Financial is the larger of the two by market capitalization and currently reports a higher ROTCE, while First Horizon runs a leaner, more buyback-focused model. Growth drivers: First Horizon leans on relationship-driven commercial lending, fixed income, and mortgage-linked businesses, whereas Regions emphasizes fee-income expansion, wealth management, and a branch build-out in high-growth Southeastern and Texas markets. Capital returns: First Horizon has prioritized repurchases alongside a modest dividend, while Regions combines a larger and growing dividend yield with repurchases. Risk factors: First Horizon's asset-sensitive balance sheet reacts more directly to rate changes, while Regions faces competitive deposit pricing in the Southeast and some commercial real estate and niche-loan exposure. Market sentiment: Both stocks have faced recent selling pressure tied to macro concerns and yield-curve jitters, leaving their relative performance broadly comparable over recent months.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward RF at present. Regions Financial combines more consistent trend behavior, a higher ROTCE, stronger capital-return visibility through a growing dividend, and steadier net interest income (NII, the difference between interest earned and interest paid) growth. First Horizon's more asset-sensitive profile and recent earnings-day volatility introduce slightly greater near-term uncertainty. That said, the margin is modest, and FHN retains favorable valuation and buyback-driven support. This assessment is probabilistic and reflects current positioning rather than a definitive forecast.
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 Buy and RF is a Buy.
FHN sees its 50-day moving average cross bearishly below its 200-day moving average
The 50-day moving average for FHN moved below the 200-day moving average on October 19, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.
Technical Analysis (Indicators)
Bearish Trend Analysis
FHN moved below its 50-day moving average on November 05, 2026 date and that indicates a change from an upward trend to a downward trend.
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%.
The Aroon Indicator for FHN entered a downward trend on October 26, 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.
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
The Momentum Indicator moved above the 0 level on November 09, 2026. You may want to consider a long position or call options on FHN as a result. In 53 of 83 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 64%.
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 24 of 48 cases over the following month. The odds of a continued upward trend are 50%.
Following a +2.08% 3-day Advance, the price is estimated to grow further. Considering data from situations where FHN advanced for three days, in 179 of 320 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 Seasonality Score of 34 (best 1 - 100 worst) indicates that the company is fair valued 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.
The Tickeron Valuation Rating of 38 (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 (1.286) is normal, around the industry mean (1.262). P/E Ratio (10.971) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (0.050) is also within normal values, averaging (1.190). Dividend Yield (0.030) settles around the average of (0.035) 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 56 (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 66 (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.
RF in upward trend: price rose above 50-day moving average on November 09, 2026
RF moved above its 50-day moving average on November 09, 2026 date and that indicates a change from a downward trend to an upward trend. In 27 of 35 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 77%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where RF's RSI Oscillator exited the oversold zone, 20 of 31 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 65%.
The Stochastic Oscillator is in the oversold zone. Keep an eye out for a move up in the foreseeable future.
The Momentum Indicator moved above the 0 level on November 09, 2026. You may want to consider a long position or call options on RF as a result. In 48 of 72 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 67%.
The Moving Average Convergence Divergence (MACD) for RF just turned positive on October 08, 2026. Looking at past instances where RF's MACD turned positive, the stock continued to rise in 28 of 42 cases over the following month. The odds of a continued upward trend are 67%.
The 10-day moving average for RF crossed bullishly above the 50-day moving average on November 02, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 7 of 13 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 54%.
Following a +0.74% 3-day Advance, the price is estimated to grow further. Considering data from situations where RF advanced for three days, in 191 of 315 cases, the price rose further within the following month. The odds of a continued upward trend are 61%.
The Aroon Indicator entered an Uptrend today. In 152 of 269 cases where RF Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 57%.
Bearish Trend Analysis
The 50-day moving average for RF moved below the 200-day moving average on November 06, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where RF 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 63%.
RF broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 7 (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 35 (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 PE Growth Rating for this company is 36 (best 1 - 100 worst), pointing to consistent 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 Price Growth Rating for this company is 47 (best 1 - 100 worst), indicating steady price growth. RF’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 48 (best 1 - 100 worst) indicates that the company is fair valued 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.
The Tickeron Valuation Rating of 55 (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 (1.380) is normal, around the industry mean (1.262). P/E Ratio (11.462) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (1.424) is also within normal values, averaging (1.190). Dividend Yield (0.042) settles around the average of (0.035) among similar stocks. P/S Ratio (3.269) is also within normal values, averaging (3.738).
FHN | RF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 16 | 31 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 38 Fair valued | 55 Fair valued | |
PROFIT vs RISK RATING 1..100 | 55 | 35 | |
SMR RATING 1..100 | 9 | 7 | |
PRICE GROWTH RATING 1..100 | 56 | 47 | |
P/E GROWTH RATING 1..100 | 66 | 36 | |
SEASONALITY SCORE 1..100 | 34 | 48 |
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 (38) in the Regional Banks industry is in the same range as RF (55) in the Major Banks industry. This means that FHN’s stock grew similarly to RF’s over the last 12 months.
RF's Profit vs Risk Rating (35) in the Major Banks industry is in the same range as FHN (55) in the Regional Banks industry. This means that RF’s stock grew similarly to FHN’s over the last 12 months.
RF's SMR Rating (7) in the Major Banks industry is in the same range as FHN (9) in the Regional Banks industry. This means that RF’s stock grew similarly to FHN’s over the last 12 months.
RF's Price Growth Rating (47) in the Major Banks industry is in the same range as FHN (56) in the Regional Banks industry. This means that RF’s stock grew similarly to FHN’s over the last 12 months.
RF's P/E Growth Rating (36) in the Major Banks industry is in the same range as FHN (66) in the Regional Banks industry. This means that RF’s stock grew similarly to FHN’s over the last 12 months.
| FHN | RF | |
|---|---|---|
| RSI ODDS (%) | N/A | 1 day ago 65% |
| Stochastic ODDS (%) | 1 day ago 71% | 1 day ago 65% |
| Momentum ODDS (%) | 1 day ago 64% | 1 day ago 67% |
| MACD ODDS (%) | 1 day ago 50% | 1 day ago 67% |
| TrendWeek ODDS (%) | 1 day ago 52% | 1 day ago 63% |
| TrendMonth ODDS (%) | 1 day ago 51% | 1 day ago 58% |
| Advances ODDS (%) | 19 days ago 56% | 15 days ago 61% |
| Declines ODDS (%) | 4 days ago 53% | 4 days ago 63% |
| BollingerBands ODDS (%) | 1 day ago 64% | 1 day ago 65% |
| Aroon ODDS (%) | 1 day ago 64% | 1 day ago 57% |
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 RF’s FA Score has 1 green FA rating(s).
- FHN’s FA Score: 1 green, 4 red.
- RF’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.
FHN’s TA Score shows that 5 TA indicator(s) are bullish while RF’s TA Score has 8 bullish TA indicator(s).
- FHN’s TA Score: 5 bullish, 4 bearish.
- RF’s TA Score: 8 bullish, 3 bearish.
Price Growth
FHN (@Regional Banks) experienced а -0.47% price change this week, while RF (@Regional Banks) price change was -0.14% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.07%. For the same industry, the average monthly price growth was +3.36%, and the average quarterly price growth was +11.62%.
Reported Earning Dates
FHN is expected to report earnings on Jan 21, 2027.
RF is expected to report earnings on Jan 22, 2027.
Industries' Descriptions
@Regional Banks (-0.07% 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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RF and
Correlation & Price change
A.I.dvisor indicates that over the last year, RF has been closely correlated with MTB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if RF jumps, then MTB could also see price increases.
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