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FNB vs HOMB
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Home BancShares, Inc. (HOMB) Stock Comparison
Key Takeaways
- F.N.B. Corporation (FNB) has delivered stronger year-to-date returns of +5.01% compared to Home BancShares, Inc. (HOMB)'s +1.47%, alongside an 8.1% gain over the past 30 days.
- HOMB exhibits superior profitability with ROA (return on assets) of 2.07% and ROE (return on equity) of 11.40%, versus FNB's 1.17% and 8.86%.
- Both stocks trade at comparable trailing P/E (price-to-earnings) ratios around 11, with market caps of $6.37 billion for FNB and $5.49 billion for HOMB.
- FNB reported Q1 2026 revenue growth of 9.4% and EPS (earnings per share) increase of 18.8%, while HOMB achieved record Q1 ROA of 2.09% despite a revenue miss.
- FNB carries a Strong Buy analyst consensus with a $20.31 target, contrasting HOMB's mixed ratings and $31.57 target.
- HOMB offers a marginally higher dividend yield at 3.02% versus FNB's 2.92%.
Introduction
In the competitive regional banking sector, FNB and HOMB stand out as established holding companies providing commercial, consumer, and wealth management services across the U.S. This stock comparison evaluates their recent performance, financial metrics, and market dynamics amid shifting interest rates and economic pressures. Traders focused on dividend stability or momentum plays, and investors assessing relative performance in community banking, will benefit from insights into profitability trade-offs, growth trajectories, and sentiment indicators. Both offer attractive valuations, aiding decisions on sector exposure.
F.N.B. Corporation (FNB) Overview and Recent Performance
F.N.B. Corporation (FNB) is a diversified financial holding company engaged in community banking, wealth management, and consumer finance, primarily serving the Mid-Atlantic, Midwest, and Southeast regions. In recent weeks, FNB shares have advanced roughly 8.1%, propelled by anticipation and results from Q1 2026 earnings, which showed revenue growth of 9.4% and diluted EPS expansion of 18.8% from loan portfolio expansion and digital initiatives. Year-to-date gains reached 5.01%, outperforming peers amid positive analyst revisions, including raised price targets to $21. Currently trading near $17.83 with a $6.37 billion market cap, the stock features a trailing P/E of 11.01 and 2.92% dividend yield, reflecting solid sentiment in regional banking recovery.
Home BancShares, Inc. (HOMB) Overview and Recent Performance
Home BancShares, Inc. (HOMB) functions as a bank holding company delivering commercial, retail, and private banking services, with a strong footprint in Arkansas and surrounding Southeastern states. Recent market activity for HOMB has remained steady around $27.18, buoyed by Q1 2026 earnings that matched EPS estimates at $0.60 and underscored top-tier ROA (return on assets) of 2.09%, despite a revenue shortfall amid loan paydowns and focus on asset quality. Year-to-date performance stands at 1.47%, influenced by cautious growth strategies in a high-rate environment. With a $5.49 billion market cap, trailing P/E of 11.19, and 3.02% dividend yield, HOMB emphasizes profitability with ROE (return on equity) at 11.40%.
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Head-to-Head Comparison
Both FNB and HOMB operate as regional bank holding companies, but FNB offers broader diversification via wealth management, while HOMB prioritizes commercial lending depth. Growth drivers differ: FNB benefits from loan expansion and digital shifts, contrasting HOMB's emphasis on asset quality amid paydowns. Recent momentum favors FNB's 8.1% 30-day rise and superior YTD gains, versus HOMB's stability. Risk profiles align in interest rate sensitivity and credit exposure, though HOMB's higher ROA/ROE signals resilience. Sector exposure mirrors U.S. regional banking trends, but sentiment tilts toward FNB via Strong Buy ratings, while HOMB faces tempered targets post-earnings. Valuations are neck-and-neck at P/E ~11, balancing momentum against profitability trade-offs.
Tickeron AI Verdict
Tickeron’s AI would currently favor FNB based on its consistent recent price momentum, year-to-date outperformance, and analyst upgrades following robust Q1 growth metrics. While HOMB excels in profitability and dividend appeal, FNB's relative positioning and trend strength suggest higher near-term probabilistic upside in the regional banking landscape.
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 HOMB 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).
FNB’s FA Score shows that 1 FA rating(s) are green whileHOMB’s FA Score has 1 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- HOMB’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.
FNB’s TA Score shows that 5 TA indicator(s) are bullish while HOMB’s TA Score has 5 bullish TA indicator(s).
- FNB’s TA Score: 5 bullish, 4 bearish.
- HOMB’s TA Score: 5 bullish, 5 bearish.
Price Growth
FNB (@Regional Banks) experienced а +5.37% price change this week, while HOMB (@Regional Banks) price change was +4.17% 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.
HOMB is expected to report earnings on Jul 16, 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 | HOMB | FNB / HOMB | |
| Capitalization | 6.64B | 5.69B | 117% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 10.604 | 3.230 | 328% |
| P/E Ratio | 11.51 | 11.63 | 99% |
| Revenue | 1.8B | 1.08B | 166% |
| Total Cash | 452M | 237M | 191% |
| Total Debt | 3.14B | 780M | 402% |
FNB | HOMB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 30 | 29 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 45 Fair valued | 47 Fair valued | |
PROFIT vs RISK RATING 1..100 | 37 | 64 | |
SMR RATING 1..100 | 20 | 27 | |
PRICE GROWTH RATING 1..100 | 44 | 49 | |
P/E GROWTH RATING 1..100 | 48 | 67 | |
SEASONALITY SCORE 1..100 | 50 | 45 |
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 (45) in the Regional Banks industry is in the same range as HOMB (47). This means that FNB’s stock grew similarly to HOMB’s over the last 12 months.
FNB's Profit vs Risk Rating (37) in the Regional Banks industry is in the same range as HOMB (64). This means that FNB’s stock grew similarly to HOMB’s over the last 12 months.
FNB's SMR Rating (20) in the Regional Banks industry is in the same range as HOMB (27). This means that FNB’s stock grew similarly to HOMB’s over the last 12 months.
FNB's Price Growth Rating (44) in the Regional Banks industry is in the same range as HOMB (49). This means that FNB’s stock grew similarly to HOMB’s over the last 12 months.
FNB's P/E Growth Rating (48) in the Regional Banks industry is in the same range as HOMB (67). This means that FNB’s stock grew similarly to HOMB’s over the last 12 months.
| FNB | HOMB | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 52% | 3 days ago 63% |
| Stochastic ODDS (%) | 3 days ago 52% | 3 days ago 58% |
| Momentum ODDS (%) | 3 days ago 62% | 3 days ago 59% |
| MACD ODDS (%) | 3 days ago 71% | 3 days ago 57% |
| TrendWeek ODDS (%) | 3 days ago 57% | 3 days ago 54% |
| TrendMonth ODDS (%) | 3 days ago 51% | 3 days ago 49% |
| Advances ODDS (%) | 3 days ago 55% | 3 days ago 56% |
| Declines ODDS (%) | 14 days ago 57% | 14 days ago 54% |
| BollingerBands ODDS (%) | 3 days ago 73% | 3 days ago 63% |
| Aroon ODDS (%) | 3 days ago 60% | 3 days ago 56% |
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HOMB and
Correlation & Price change
A.I.dvisor indicates that over the last year, HOMB has been closely correlated with INDB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if HOMB jumps, then INDB could also see price increases.
| Ticker / NAME | Correlation To HOMB | 1D Price Change % | ||
|---|---|---|---|---|
| HOMB | 100% | +1.44% | ||
| INDB - HOMB | 88% Closely correlated | +1.81% | ||
| FULT - HOMB | 87% Closely correlated | +1.57% | ||
| FNB - HOMB | 87% Closely correlated | +1.91% | ||
| UBSI - HOMB | 87% Closely correlated | +2.35% | ||
| UCB - HOMB | 86% Closely correlated | +1.05% | ||
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