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FNB vs FULT
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Fulton Financial Corporation (FULT) Stock Comparison
Key Takeaways
- FULT shows stronger year-to-date performance at 15.51% compared to FNB's 5.01%.
- FULT offers a higher dividend yield of 3.44% versus FNB's 2.92%.
- FNB has a larger market capitalization of $6.37 billion compared to FULT's $4.26 billion.
- Both stocks trade above their 50-day moving averages, signaling recent positive momentum in regional banking.
- FULT boasts a higher return on equity (ROE, a measure of profitability relative to shareholders' equity) at 11.71% versus FNB's 8.86%.
- Tickeron's comparative analysis rates FULT as the better long-term buy.
Introduction
This stock comparison pits FNB against FULT, two regional banks operating in the Mid-Atlantic and Northeast U.S. regions. Both offer similar services in community banking, commercial lending, and wealth management, making them relevant for investors eyeing relative performance in the banking sector. Amid ongoing interest rate fluctuations, deposit competition, and economic shifts, traders may find value in assessing their valuation metrics, dividend profiles, and momentum. This analysis highlights contrasts in size, profitability, and market positioning to aid informed decision-making in today's dynamic market environment.
FNB Overview and Recent Performance
FNB, headquartered in Pittsburgh, Pennsylvania, is a financial holding company serving consumers, corporations, and small- to medium-sized businesses across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Virginia, and Washington, D.C. It operates through Community Banking, Wealth Management, and Insurance segments, providing deposit products, loans, fiduciary services, brokerage, and insurance.
In recent market activity, FNB shares have traded around $17.83, above the 50-day moving average of $17.19, reflecting upward momentum. The stock recently met Q1 2026 earnings estimates, with strong EPS growth, year-over-year revenue increases, loan expansion, and digital initiatives boosting sentiment. Analysts have raised price targets to $20-$21, citing efficient capital deployment via buybacks and dividends amid inflation pressures.
FULT Overview and Recent Performance
FULT, based in Lancaster, Pennsylvania, functions as the holding company for Fulton Bank, delivering banking and financial services including checking/savings accounts, consumer and commercial loans, wealth management, and insurance across Pennsylvania, New Jersey, Delaware, Maryland, and New York.
Recently, FULT shares hover near $22.12, surpassing the 50-day moving average of $20.93, underscoring sustained strength. The stock has outperformed YTD, supported by solid fundamentals like higher ROE and analyst upgrades, including Buy ratings with targets up to $24. Market sentiment reflects resilience in regional funding dynamics and integration efforts, positioning it well despite choppy trading.
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Head-to-Head Comparison
Both FNB and FULT focus on regional banking models emphasizing commercial real estate, consumer lending, and deposits, with exposure to Mid-Atlantic economies sensitive to interest rates and credit quality. FNB edges in scale with a larger footprint and diversification into insurance and municipal bond underwriting, trading at a lower price-to-book ratio of 0.93. FULT counters with superior ROE (11.71%), higher dividend yield, and lower beta (0.82) for reduced volatility.
Growth drivers include loan portfolios and digital enhancements for both, though FNB highlights recent EPS gains while FULT shows better YTD momentum. Risks involve net charge-offs (NCO, losses on loans after recoveries) and rate shifts, but stable metrics support resilience. Market sentiment leans positive, with comparable P/E ratios around 11 and upside to analyst targets.
Tickeron AI Verdict
Tickeron's AI currently favors FULT with higher probability for outperformance, driven by stronger YTD returns, elevated ROE, attractive valuation, and superior long-term buy rating in head-to-head analysis. FNB remains competitive via size and recent earnings stability, but FULT's metrics suggest better relative trend consistency and catalysts in the regional bank space.
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 FNB is a StrongBuy and FULT 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).
FNB’s FA Score shows that 1 FA rating(s) are green whileFULT’s FA Score has 2 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- FULT’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.
FNB’s TA Score shows that 5 TA indicator(s) are bullish while FULT’s TA Score has 4 bullish TA indicator(s).
- FNB’s TA Score: 5 bullish, 4 bearish.
- FULT’s TA Score: 4 bullish, 5 bearish.
Price Growth
FNB (@Regional Banks) experienced а +5.37% price change this week, while FULT (@Regional Banks) price change was +6.45% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +3.72%. For the same industry, the average monthly price growth was +7.76%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
FNB is expected to report earnings on Jul 22, 2026.
FULT is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Regional Banks (+3.72% 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.
| FNB | FULT | FNB / FULT | |
| Capitalization | 6.64B | 4.47B | 149% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 10.604 | 22.014 | 48% |
| P/E Ratio | 11.51 | 11.13 | 103% |
| Revenue | 1.8B | 1.33B | 136% |
| Total Cash | 452M | 271M | 167% |
| Total Debt | 3.14B | 1.25B | 250% |
FNB | FULT | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 37 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 45 Fair valued | 30 Undervalued | |
PROFIT vs RISK RATING 1..100 | 36 | 43 | |
SMR RATING 1..100 | 20 | 23 | |
PRICE GROWTH RATING 1..100 | 46 | 43 | |
P/E GROWTH RATING 1..100 | 48 | 46 | |
SEASONALITY SCORE 1..100 | 50 | 65 |
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.
FULT's Valuation (30) in the Regional Banks industry is in the same range as FNB (45). This means that FULT’s stock grew similarly to FNB’s over the last 12 months.
FNB's Profit vs Risk Rating (36) in the Regional Banks industry is in the same range as FULT (43). This means that FNB’s stock grew similarly to FULT’s over the last 12 months.
FNB's SMR Rating (20) in the Regional Banks industry is in the same range as FULT (23). This means that FNB’s stock grew similarly to FULT’s over the last 12 months.
FULT's Price Growth Rating (43) in the Regional Banks industry is in the same range as FNB (46). This means that FULT’s stock grew similarly to FNB’s over the last 12 months.
FULT's P/E Growth Rating (46) in the Regional Banks industry is in the same range as FNB (48). This means that FULT’s stock grew similarly to FNB’s over the last 12 months.
| FNB | FULT | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 52% | 2 days ago 55% |
| Stochastic ODDS (%) | 2 days ago 52% | 2 days ago 56% |
| Momentum ODDS (%) | 2 days ago 62% | 2 days ago 71% |
| MACD ODDS (%) | 2 days ago 71% | 2 days ago 66% |
| TrendWeek ODDS (%) | 2 days ago 57% | 2 days ago 59% |
| TrendMonth ODDS (%) | 2 days ago 51% | 2 days ago 52% |
| Advances ODDS (%) | 2 days ago 55% | 2 days ago 60% |
| Declines ODDS (%) | 13 days ago 57% | 17 days ago 60% |
| BollingerBands ODDS (%) | 2 days ago 73% | 2 days ago 65% |
| Aroon ODDS (%) | 2 days ago 60% | 2 days ago 64% |
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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% | +1.91% | ||
| ASB - FNB | 91% Closely correlated | +2.07% | ||
| ZION - FNB | 91% Closely correlated | +1.22% | ||
| ONB - FNB | 90% Closely correlated | +1.82% | ||
| WTFC - FNB | 89% Closely correlated | +2.18% | ||
| FULT - FNB | 89% Closely correlated | +1.59% | ||
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