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FNB vs INDB
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Independent Bank Corp. (INDB) Stock Comparison
Key Takeaways
- FNB and INDB both delivered strong Q1 earnings with EPS growth, reflecting resilience in regional banking amid recent market activity.
- FNB trades at a lower trailing P/E ratio (price-to-earnings, a valuation metric) of about 11 compared to INDB's 15.5, suggesting relative value.
- INDB offers a higher dividend yield of approximately 3.3%, appealing to income-focused investors, versus FNB's 2.9%.
- FNB boasts a larger market capitalization of $6.4 billion and higher ROE (return on equity, a profitability measure) at 8.9% compared to INDB's $3.8 billion and 7.3%.
- Year-to-date, INDB has slightly outperformed with 7.6% gains versus FNB's 5%.
- Both exhibit low betas under 1, indicating lower volatility relative to the broader market.
Introduction
In the competitive regional banking sector, FNB and INDB stand out as established players serving community and commercial clients. This stock comparison analyzes their business models, recent performance, and market positioning to help traders and investors evaluate relative strengths in the current environment. With interest rate dynamics and economic shifts influencing bank stocks, value-oriented investors, dividend seekers, and those tracking regional banking trends may find insights into momentum, valuation, and growth potential particularly relevant for portfolio decisions.
FNB Overview and Recent Performance
FNB, or F.N.B. Corporation, is a diversified financial holding company headquartered in Pittsburgh, Pennsylvania, operating community banking branches across several Mid-Atlantic and Southeastern states. It focuses on commercial lending, consumer banking, wealth management, and insurance through segments like Community Banking and Wealth Management. In recent market activity, FNB shares have traded around $18, within a 52-week range of $12.55 to $19.14, with a market cap of approximately $6.4 billion. Recent earnings highlighted revenue growth of 9.4% and diluted EPS up 18.8% year-over-year to $0.38, driven by net interest income expansion despite a slight revenue miss. Sentiment has been bolstered by dividend hikes, share buybacks, and strategic digital expansions like eStore enhancements, contributing to stable performance and YTD gains of about 5%.
INDB Overview and Recent Performance
INDB, or Independent Bank Corp., serves as the holding company for Rockland Trust Company, providing commercial and retail banking, wealth management, and trust services primarily in New England. Its offerings include real estate loans, deposits, cash management, and investment products. Shares recently hovered near $78, in a 52-week range of $52 to $87, with a market cap around $3.8 billion. Recent quarterly results showed net income of $80 million and adjusted EPS near $1.68, with revenue up significantly year-over-year and strong capital returns via dividends and repurchases. Positive factors include stable loans/deposits and ROE of 9%, though a minor EPS miss tempered gains. YTD performance reached 7.6%, supported by higher margins and analyst upgrades.
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Head-to-Head Comparison
Both FNB and INDB operate regional banking models emphasizing community lending and deposits, but FNB has broader geographic exposure across eight states versus INDB’s New England focus. Growth drivers differ: FNB benefits from loan expansion and digital initiatives, while INDB leverages stable deposits and wealth services. Recent momentum favors INDB on YTD returns, but FNB shows superior ROE and lower forward P/E, indicating better value. Risk profiles are similar with low betas (0.9 vs. 0.8), though FNB’s larger scale may offer diversification. Market sentiment reflects optimism for both post-earnings, with trade-offs in yield (INDB higher) versus profitability metrics.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward FNB based on its consistent trend strength, attractive forward valuation, higher ROE, and larger scale providing stability. While INDB exhibits solid dividend appeal and recent outperformance, FNB’s EPS momentum and positioning suggest a probabilistic edge in the near term for trend-following strategies.
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 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 INDB 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 whileINDB’s FA Score has 1 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- INDB’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 4 TA indicator(s) are bullish while INDB’s TA Score has 5 bullish TA indicator(s).
- FNB’s TA Score: 4 bullish, 6 bearish.
- INDB’s TA Score: 5 bullish, 5 bearish.
Price Growth
FNB (@Regional Banks) experienced а -0.23% price change this week, while INDB (@Regional Banks) price change was -0.58% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.60%. For the same industry, the average monthly price growth was +1.07%, and the average quarterly price growth was +16.57%.
Reported Earning Dates
FNB is expected to report earnings on Jul 22, 2026.
INDB is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (-0.60% 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 | INDB | FNB / INDB | |
| Capitalization | 6.25B | 3.7B | 169% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 3.362 | 5.886 | 57% |
| P/E Ratio | 10.83 | 15.25 | 71% |
| Revenue | 1.8B | 923M | 195% |
| Total Cash | 387M | 203M | 191% |
| Total Debt | 3.14B | 776M | 404% |
FNB | INDB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 67 | 54 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 65 Fair valued | 94 Overvalued | |
PROFIT vs RISK RATING 1..100 | 42 | 86 | |
SMR RATING 1..100 | 11 | 14 | |
PRICE GROWTH RATING 1..100 | 50 | 53 | |
P/E GROWTH RATING 1..100 | 54 | 45 | |
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 (65) in the Regional Banks industry is in the same range as INDB (94). This means that FNB’s stock grew similarly to INDB’s over the last 12 months.
FNB's Profit vs Risk Rating (42) in the Regional Banks industry is somewhat better than the same rating for INDB (86). This means that FNB’s stock grew somewhat faster than INDB’s over the last 12 months.
FNB's SMR Rating (11) in the Regional Banks industry is in the same range as INDB (14). This means that FNB’s stock grew similarly to INDB’s over the last 12 months.
FNB's Price Growth Rating (50) in the Regional Banks industry is in the same range as INDB (53). This means that FNB’s stock grew similarly to INDB’s over the last 12 months.
INDB's P/E Growth Rating (45) in the Regional Banks industry is in the same range as FNB (54). This means that INDB’s stock grew similarly to FNB’s over the last 12 months.
| FNB | INDB | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 68% | 2 days ago 73% |
| Stochastic ODDS (%) | 2 days ago 59% | 2 days ago 65% |
| Momentum ODDS (%) | 2 days ago 71% | 2 days ago 75% |
| MACD ODDS (%) | 2 days ago 66% | 2 days ago 65% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 70% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 66% |
| Advances ODDS (%) | 7 days ago 55% | 7 days ago 61% |
| Declines ODDS (%) | 2 days ago 58% | 2 days ago 71% |
| BollingerBands ODDS (%) | 2 days ago 76% | 2 days ago 62% |
| Aroon ODDS (%) | 2 days ago 44% | 2 days ago 54% |
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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% | -1.96% | ||
| ASB - FNB | 91% Closely correlated | -2.24% | ||
| ONB - FNB | 90% Closely correlated | -0.58% | ||
| WTFC - FNB | 90% Closely correlated | -0.71% | ||
| ZION - FNB | 90% Closely correlated | -2.74% | ||
| FULT - FNB | 89% Closely correlated | -1.88% | ||
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