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FNB vs ONB
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Old National Bancorp (ONB) Stock Comparison
Key Takeaways
- ONB outperforms FNB year-to-date with an 8.15% gain compared to FNB's approximately 4.5%.
- FNB trades at a more attractive trailing price-to-earnings (P/E) ratio of 10.95 versus ONB's 12.36, suggesting relative value.
- Both stocks reported solid Q1 2026 earnings, with FNB achieving 19% EPS growth and ONB beating analyst estimates on EPS.
- ONB boasts a larger market capitalization of $9.26 billion compared to FNB's $6.31 billion, indicating greater scale.
- Recent momentum favors ONB amid regional bank sector resilience, while FNB benefits from a new share repurchase program.
- Divergent valuations and performance highlight trade-offs for value versus growth-oriented investors.
Introduction
In the regional banking sector, FNB and ONB represent key players offering community-focused lending, deposit services, and wealth management amid interest rate fluctuations and economic uncertainty. This comparison evaluates their business models, recent financial results, stock performance, and market positioning to help investors and traders assess relative strengths. Those seeking value in undervalued names or momentum in outperforming regional banks will find objective insights into how these stocks stack up in the current environment, supporting informed decision-making without speculation.
FNB Overview and Recent Performance
F.N.B. Corporation serves as the holding company for First National Bank, delivering retail and commercial banking, consumer finance, and wealth management across the Mid-Atlantic and Midwest regions. In recent market activity, FNB shares have shown resilience, trading around $17.70 near the upper end of its 52-week range of $12.88 to $19.14. Key influences include robust Q1 2026 earnings, with diluted EPS of $0.38 marking a 19% year-over-year increase, driven by 4.9% positive operating leverage and disciplined expense management. A new $250 million share repurchase authorization has further supported sentiment, despite revenue slightly missing expectations. These factors underscore steady execution amid sector headwinds like deposit competition.
ONB Overview and Recent Performance
Old National Bancorp, the parent of Old National Bank, provides comprehensive banking solutions including deposits, loans, treasury management, and investment services primarily in the Midwest and Southeast. Recent weeks have seen ONB shares advance to approximately $23.98, reflecting YTD gains of 8.15% within a 52-week range of $19.39 to $26.17. Performance has been propelled by strong Q1 2026 results, including diluted EPS of $0.61 that surpassed estimates, record loan growth, and net income applicable to common shares of $229.6 million. Although revenue fell marginally short, robust profitability metrics like a 30.25% profit margin have bolstered investor confidence in its diversified operations.
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Head-to-Head Comparison
Both FNB and ONB operate in the banks-regional industry, emphasizing commercial real estate loans, deposits, and net interest income (NII, revenue from interest-earning assets minus interest expenses). ONB's larger scale ($9.26B market cap versus $6.31B) supports broader geographic exposure and wealth management growth drivers, contrasting FNB's focused Mid-Atlantic footprint. Recent momentum tilts to ONB with superior YTD returns and EPS beats, while FNB counters with lower valuations (price-to-book of 0.93 versus implied higher for ONB) and ROA of 1.17% nearly matching ONB's 1.20%. Risk factors like commercial real estate exposure and funding costs are comparable, though ONB's higher ROE (10.08%) signals better capital efficiency. Market sentiment reflects post-earnings optimism for both, with trade-offs between ONB's growth potential and FNB's value appeal.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward ONB based on stronger trend consistency, YTD outperformance, and earnings quality amid regional bank recovery. Its larger scale, loan growth catalysts, and relative stability position it favorably for near-term upside, though FNB's valuation discount warrants monitoring for potential convergence.
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 FNB is a StrongBuy and ONB 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 whileONB’s FA Score has 1 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- ONB’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 ONB’s TA Score has 5 bullish TA indicator(s).
- FNB’s TA Score: 5 bullish, 4 bearish.
- ONB’s TA Score: 5 bullish, 3 bearish.
Price Growth
FNB (@Regional Banks) experienced а +5.37% price change this week, while ONB (@Regional Banks) price change was +4.92% 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.
ONB is expected to report earnings on Jul 28, 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 | ONB | FNB / ONB | |
| Capitalization | 6.64B | 9.71B | 68% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 10.604 | 14.073 | 75% |
| P/E Ratio | 11.51 | 12.96 | 89% |
| Revenue | 1.8B | 2.74B | 66% |
| Total Cash | 452M | 537M | 84% |
| Total Debt | 3.14B | 7.36B | 43% |
FNB | ONB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 28 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 45 Fair valued | 45 Fair valued | |
PROFIT vs RISK RATING 1..100 | 36 | 40 | |
SMR RATING 1..100 | 20 | 16 | |
PRICE GROWTH RATING 1..100 | 46 | 47 | |
P/E GROWTH RATING 1..100 | 48 | 47 | |
SEASONALITY SCORE 1..100 | 50 | 20 |
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 ONB (45). This means that FNB’s stock grew similarly to ONB’s over the last 12 months.
FNB's Profit vs Risk Rating (36) in the Regional Banks industry is in the same range as ONB (40). This means that FNB’s stock grew similarly to ONB’s over the last 12 months.
ONB's SMR Rating (16) in the Regional Banks industry is in the same range as FNB (20). This means that ONB’s stock grew similarly to FNB’s over the last 12 months.
FNB's Price Growth Rating (46) in the Regional Banks industry is in the same range as ONB (47). This means that FNB’s stock grew similarly to ONB’s over the last 12 months.
ONB's P/E Growth Rating (47) in the Regional Banks industry is in the same range as FNB (48). This means that ONB’s stock grew similarly to FNB’s over the last 12 months.
| FNB | ONB | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 52% | N/A |
| Stochastic ODDS (%) | 2 days ago 52% | 2 days ago 57% |
| Momentum ODDS (%) | 2 days ago 62% | 2 days ago 68% |
| MACD ODDS (%) | 2 days ago 71% | 2 days ago 71% |
| TrendWeek ODDS (%) | 2 days ago 57% | 2 days ago 58% |
| TrendMonth ODDS (%) | 2 days ago 51% | 2 days ago 57% |
| Advances ODDS (%) | 2 days ago 55% | 2 days ago 58% |
| Declines ODDS (%) | 13 days ago 57% | 17 days ago 59% |
| BollingerBands ODDS (%) | 2 days ago 73% | 2 days ago 56% |
| 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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ONB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ONB 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 ONB jumps, then ASB could also see price increases.
| Ticker / NAME | Correlation To ONB | 1D Price Change % | ||
|---|---|---|---|---|
| ONB | 100% | +1.82% | ||
| ASB - ONB | 91% Closely correlated | +2.07% | ||
| FNB - ONB | 90% Closely correlated | +1.91% | ||
| ZION - ONB | 89% Closely correlated | +1.22% | ||
| FULT - ONB | 88% Closely correlated | +1.59% | ||
| UMBF - ONB | 88% Closely correlated | +2.17% | ||
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