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FNB vs HWC
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Hancock Whitney Corporation (HWC) Stock Comparison
Key Takeaways
- Both FNB and HWC are regional banks serving community and commercial clients, with similar market caps around $6 billion.
- HWC shows stronger year-to-date performance at 9.73% compared to FNB's 5.01%.
- FNB trades at a lower price-to-earnings (P/E) ratio of 11.01 versus HWC's 12.23, suggesting relative value.
- Recent FNB Q1 earnings highlighted net interest income (NII, revenue from interest-bearing assets minus interest expenses) growth and share buybacks, boosting analyst targets.
- HWC exhibits higher return on equity (ROE, measure of profitability relative to shareholders' equity) at 11.32% versus FNB's 8.86%.
- Dividend yields are comparable, with FNB at 2.92% and HWC at 2.67%.
Introduction
In the competitive regional banking sector, FNB and HWC stand out as established players offering community-focused financial services amid fluctuating interest rates and economic shifts. This stock comparison analyzes their business models, recent market positioning, and performance metrics to aid investors and traders evaluating relative strength. Those seeking exposure to regional banks with diversified loan portfolios and stable dividends may find insights into growth drivers, valuation trade-offs, and sentiment indicators particularly relevant in today's environment of moderating inflation and potential rate adjustments.
FNB Overview and Recent Performance
FNB, headquartered in Pittsburgh, Pennsylvania, operates as a financial holding company with segments in community banking, wealth management, and insurance. It serves consumers, businesses, and governments across Pennsylvania, Ohio, and surrounding states through deposit products, loans, and fiduciary services. In recent market activity, the stock has traded around $17.83, within a 52-week range of $12.55 to $19.14, reflecting resilience amid sector pressures. Q1 2026 earnings reported net interest income of $359 million and year-over-year revenue growth of 8.6%, though slightly below expectations, alongside strong EPS expansion and strategic buybacks. Analysts responded positively, raising price targets to $20-$21, signaling improved sentiment driven by loan growth and digital initiatives.
HWC Overview and Recent Performance
HWC, based in Gulfport, Mississippi, functions as the holding company for Hancock Whitney Bank, delivering traditional and online banking to commercial, small business, and retail clients in the Gulf South region. Offerings include deposits, loans, treasury management, and investment services. Recently, shares have hovered near $69.35, in a 52-week span of $48.46 to $75.43, supported by solid fundamentals. Over recent weeks, the stock has benefited from positive analyst upgrades, with average price targets at $76 amid anticipation for Q1 results. Year-to-date gains outpace peers, influenced by robust loan demand and higher profitability metrics in a stabilizing rate environment.
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Head-to-Head Comparison
Both FNB and HWC focus on regional banking with commercial and consumer lending, but FNB emphasizes Northeast markets and adds insurance, while HWC targets Gulf states with stronger treasury services. Growth drivers include loan expansion for both, though HWC shows superior recent momentum and ROE. FNB offers a valuation edge with lower P/E and higher yield, appealing to value-oriented traders. Risk factors mirror sector sensitivities to rates and credit quality, with comparable market caps but HWC exhibiting better stability in recent volatility. Sentiment leans positive for both post-earnings cycles.
Tickeron AI Verdict
Tickeron’s AI tools, analyzing trend consistency and relative metrics, would likely favor HWC in the current environment due to its stronger YTD returns, higher ROE, and upward analyst revisions, positioning it for continued outperformance with lower relative drawdowns. FNB remains attractive for value plays given its cheaper valuation and recent catalysts, but probabilistic edges tilt toward HWC amid favorable sector momentum.
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 Buy and HWC 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).
FNB’s FA Score shows that 1 FA rating(s) are green whileHWC’s FA Score has 2 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- HWC’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 HWC’s TA Score has 5 bullish TA indicator(s).
- FNB’s TA Score: 5 bullish, 4 bearish.
- HWC’s TA Score: 5 bullish, 4 bearish.
Price Growth
FNB (@Regional Banks) experienced а +0.38% price change this week, while HWC (@Regional Banks) price change was -0.56% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
FNB is expected to report earnings on Jul 22, 2026.
HWC is expected to report earnings on Jul 21, 2026.
Industries' Descriptions
@Regional Banks (+1.31% 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 | HWC | FNB / HWC | |
| Capitalization | 6.67B | 5.84B | 114% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 8.942 | 12.827 | 70% |
| P/E Ratio | 11.33 | 14.56 | 78% |
| Revenue | 1.8B | 1.44B | 126% |
| Total Cash | 452M | 556M | 81% |
| Total Debt | 3.14B | 1.68B | 187% |
FNB | HWC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 28 | 31 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 44 Fair valued | 47 Fair valued | |
PROFIT vs RISK RATING 1..100 | 36 | 38 | |
SMR RATING 1..100 | 20 | 23 | |
PRICE GROWTH RATING 1..100 | 46 | 45 | |
P/E GROWTH RATING 1..100 | 50 | 24 | |
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 HWC (47). This means that FNB’s stock grew similarly to HWC’s over the last 12 months.
FNB's Profit vs Risk Rating (36) in the Regional Banks industry is in the same range as HWC (38). This means that FNB’s stock grew similarly to HWC’s over the last 12 months.
FNB's SMR Rating (20) in the Regional Banks industry is in the same range as HWC (23). This means that FNB’s stock grew similarly to HWC’s over the last 12 months.
HWC's Price Growth Rating (45) in the Regional Banks industry is in the same range as FNB (46). This means that HWC’s stock grew similarly to FNB’s over the last 12 months.
HWC's P/E Growth Rating (24) in the Regional Banks industry is in the same range as FNB (50). This means that HWC’s stock grew similarly to FNB’s over the last 12 months.
| FNB | HWC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 70% | 2 days ago 76% |
| Stochastic ODDS (%) | 2 days ago 60% | 2 days ago 70% |
| Momentum ODDS (%) | 2 days ago 60% | 2 days ago 66% |
| MACD ODDS (%) | 2 days ago 47% | 2 days ago 58% |
| TrendWeek ODDS (%) | 2 days ago 61% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 51% | 2 days ago 61% |
| Advances ODDS (%) | 2 days ago 55% | 2 days ago 63% |
| Declines ODDS (%) | 23 days ago 57% | 8 days ago 66% |
| BollingerBands ODDS (%) | 2 days ago 66% | 2 days ago 76% |
| Aroon ODDS (%) | 2 days ago 43% | 2 days ago 49% |
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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% | +0.71% | ||
| ASB - FNB | 91% Closely correlated | +0.62% | ||
| ZION - FNB | 91% Closely correlated | +1.42% | ||
| ONB - FNB | 90% Closely correlated | +0.85% | ||
| WTFC - FNB | 90% Closely correlated | +1.10% | ||
| FULT - FNB | 89% Closely correlated | +0.66% | ||
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HWC and
Correlation & Price change
A.I.dvisor indicates that over the last year, HWC has been closely correlated with UCB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if HWC jumps, then UCB could also see price increases.
| Ticker / NAME | Correlation To HWC | 1D Price Change % | ||
|---|---|---|---|---|
| HWC | 100% | +0.78% | ||
| UCB - HWC | 87% Closely correlated | +1.61% | ||
| UBSI - HWC | 87% Closely correlated | +1.17% | ||
| FNB - HWC | 87% Closely correlated | +0.71% | ||
| ASB - HWC | 87% Closely correlated | +0.62% | ||
| FULT - HWC | 87% Closely correlated | +0.66% | ||
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