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FNB vs PNC
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. The PNC Financial Services Group (PNC) Stock Comparison
Key Takeaways
- FNB is a roughly $50 billion-asset regional bank, while PNC is a diversified super-regional with more than $570 billion in assets.
- FNB trades near tangible book value with a single-digit forward price-to-earnings (P/E) ratio, reflecting a value-oriented profile.
- PNC offers broader fee-income diversification, a national footprint, and a larger capital-return program, but commands a higher valuation multiple.
- Both banks reported record or near-record revenue in their most recent annual results, aided by resilient net interest income (NII, income earned from lending and investing activities minus interest paid on deposits).
- FNB's relative performance has leaned defensive and value-driven, while PNC's momentum has been supported by fee growth and merger-and-acquisition (M&A) integration.
Introduction
Investors comparing FNB and PNC are effectively weighing a regional banking franchise against a much larger, more diversified financial institution. Both companies are headquartered in Pittsburgh and compete in similar lending and deposit markets, yet their scale, business mix, and growth levers differ meaningfully. This stock comparison is relevant for investors assessing relative performance, market positioning, and risk within the U.S. banking sector—from value-conscious regional bank buyers to those seeking a larger, fee-diversified franchise. The sections below examine each company's recent results and the factors that have shaped their current market standing.
FNB Overview and Recent Performance
F.N.B. Corporation, operating as FNB, is a diversified financial services company providing commercial and consumer banking, wealth management, and insurance through its principal subsidiary, First National Bank of Pennsylvania. In recent quarters the bank has pushed total assets above the $50 billion threshold, a milestone that reflects steady organic growth across its footprint.
Recent market activity has favored a value-oriented interpretation of the stock. Shares have traded in a range that keeps the valuation near tangible book value, with a trailing P/E ratio in the low double digits and a price-to-book multiple below 1.0 at times. FNB's latest annual results showed record revenue and a notable expansion in net interest margin (NIM, the spread between interest earned on assets and interest paid on liabilities), supported by disciplined deposit pricing. Management has highlighted efficiency gains, a completed share repurchase program, and growth in fee-based businesses such as wealth management as factors underpinning sentiment. These trends position FNB as a steady, capital-generating regional with a comparatively conservative valuation.
PNC Overview and Recent Performance
The PNC Financial Services Group, trading as PNC, is one of the largest diversified financial services institutions in the United States, spanning retail and commercial banking, corporate and institutional banking, and asset management. The company operates across dozens of markets and has recently expanded through acquisitions, including the closing of its FirstBank transaction, which deepened its presence in Colorado and Arizona.
PNC's recent performance has been characterized by record revenue and improving profitability. In its most recent fiscal year, net income rose materially and diluted earnings per share (EPS) increased by roughly a fifth, driven by higher NII, growth in fee income, and lower credit costs. The firm's NIM has been improving, and its efficiency ratio (the share of revenue consumed by expenses) has declined, signaling better operating leverage. A sizable dividend and share repurchase program have reinforced shareholder returns. While PNC trades at a higher multiple than regional peers, its broader diversification and national scale underpin a premium valuation and steadier earnings profile.
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Head-to-Head Comparison
At the core of this stock comparison is a contrast in scale and business mix. FNB is concentrated in regional commercial and consumer lending, with wealth management and insurance contributing a growing share of fee income. PNC layers a national corporate and institutional banking business, capital markets, and asset management onto a similar retail foundation, giving it more diversified revenue streams that are less dependent on a single region's economy.
The trade-offs extend to risk and momentum. FNB's lower valuation and tangible-book-value support appeal to investors focused on margin of safety, but its regional concentration leaves it more sensitive to localized credit cycles. PNC's larger deposit base and fee businesses offer stability and broader growth levers, yet its exposure to commercial real estate and capital-markets revenue introduces different cyclical risks. In recent periods, PNC has shown stronger headline earnings momentum, while FNB has offered stronger relative value on a price-to-book basis—a divergence that reflects how differently the market prices size and diversification in the banking sector.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely favor PNC in the current environment, given its more consistent trend profile, diversified revenue base, and momentum from fee-income growth and acquisition integration. The broader business mix and improving efficiency tend to produce steadier, more persistent signals than a regional bank's more valuation-sensitive moves. That said, FNB retains an edge in relative value, and its margin expansion and capital generation could attract algorithmic interest during periods when value and stability factors rotate into favor. The verdict reflects probabilistic, trend-based positioning rather than a definitive forecast, and it may shift as credit conditions and rate expectations evolve.
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 Hold and PNC is a StrongBuy.
FNB's MACD Histogram just turned positive
The Moving Average Convergence Divergence (MACD) for FNB turned positive on October 15, 2026. Looking at past instances where FNB's MACD turned positive, the stock continued to rise in 29 of 42 cases over the following month. The odds of a continued upward trend are 69%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where FNB's RSI Indicator exited the oversold zone, 16 of 25 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 64%.
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on FNB as a result. In 53 of 86 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 62%.
FNB moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +2.94% 3-day Advance, the price is estimated to grow further. Considering data from situations where FNB advanced for three days, in 163 of 295 cases, the price rose further within the following month. The odds of a continued upward trend are 55%.
Bearish Trend Analysis
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where FNB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 57%.
FNB broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for FNB entered a downward trend on October 21, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 11 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 27 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 47 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 50 (best 1 - 100 worst), indicating fairly steady price growth. FNB’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 62 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.946) is normal, around the industry mean (1.268). P/E Ratio (10.757) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (1.530) is also within normal values, averaging (1.190). Dividend Yield (0.029) settles around the average of (0.035) among similar stocks. P/S Ratio (3.524) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
Momentum Indicator for PNC turns positive, indicating new upward trend
PNC saw its Momentum Indicator move above the 0 level on October 20, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 79 similar instances where the indicator turned positive. In 53 of the 79 cases, the stock moved higher in the following days. The odds of a move higher are at 67%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where PNC's RSI Indicator exited the oversold zone, 16 of 33 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 48%.
The Moving Average Convergence Divergence (MACD) for PNC just turned positive on October 12, 2026. Looking at past instances where PNC's MACD turned positive, the stock continued to rise in 24 of 45 cases over the following month. The odds of a continued upward trend are 53%.
Following a +2.05% 3-day Advance, the price is estimated to grow further. Considering data from situations where PNC advanced for three days, in 179 of 331 cases, the price rose further within the following month. The odds of a continued upward trend are 54%.
Bearish Trend Analysis
The Stochastic Oscillator has been in the overbought zone for 2 days. Expect a price pull-back in the near future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where PNC declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 64%.
PNC broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for PNC entered a downward trend on October 22, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 4 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 35 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 53 (best 1 - 100 worst), indicating fairly steady price growth. PNC’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 57 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock slightly worse than average.
The Tickeron Valuation Rating of 74 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.406) is normal, around the industry mean (1.268). P/E Ratio (12.405) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (1.569) is also within normal values, averaging (1.190). Dividend Yield (0.035) settles around the average of (0.035) among similar stocks. P/S Ratio (3.762) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
FNB | PNC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 19 | 66 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 62 Fair valued | 74 Overvalued | |
PROFIT vs RISK RATING 1..100 | 27 | 57 | |
SMR RATING 1..100 | 11 | 4 | |
PRICE GROWTH RATING 1..100 | 50 | 53 | |
P/E GROWTH RATING 1..100 | 47 | 35 | |
SEASONALITY SCORE 1..100 | 90 | 75 |
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 (62) in the Regional Banks industry is in the same range as PNC (74) in the Major Banks industry. This means that FNB’s stock grew similarly to PNC’s over the last 12 months.
FNB's Profit vs Risk Rating (27) in the Regional Banks industry is in the same range as PNC (57) in the Major Banks industry. This means that FNB’s stock grew similarly to PNC’s over the last 12 months.
PNC's SMR Rating (4) in the Major Banks industry is in the same range as FNB (11) in the Regional Banks industry. This means that PNC’s stock grew similarly to FNB’s over the last 12 months.
FNB's Price Growth Rating (50) in the Regional Banks industry is in the same range as PNC (53) in the Major Banks industry. This means that FNB’s stock grew similarly to PNC’s over the last 12 months.
PNC's P/E Growth Rating (35) in the Major Banks industry is in the same range as FNB (47) in the Regional Banks industry. This means that PNC’s stock grew similarly to FNB’s over the last 12 months.
| FNB | PNC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 64% | 2 days ago 48% |
| Stochastic ODDS (%) | 2 days ago 52% | 2 days ago 55% |
| Momentum ODDS (%) | 2 days ago 62% | 2 days ago 67% |
| MACD ODDS (%) | 2 days ago 69% | 2 days ago 53% |
| TrendWeek ODDS (%) | 2 days ago 56% | 2 days ago 55% |
| TrendMonth ODDS (%) | 2 days ago 50% | 2 days ago 61% |
| Advances ODDS (%) | 2 days ago 55% | 2 days ago 54% |
| Declines ODDS (%) | 10 days ago 57% | 9 days ago 64% |
| BollingerBands ODDS (%) | 2 days ago 56% | 2 days ago 49% |
| Aroon ODDS (%) | 2 days ago 64% | 2 days ago 63% |
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 overvalued. 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 2 FA rating(s) are green while PNC’s FA Score has 1 green FA rating(s).
- FNB’s FA Score: 2 green, 3 red.
- PNC’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 PNC’s TA Score has 4 bullish TA indicator(s).
- FNB’s TA Score: 5 bullish, 4 bearish.
- PNC’s TA Score: 4 bullish, 4 bearish.
Price Growth
FNB (@Regional Banks) experienced а +5.94% price change this week, while PNC (@Regional Banks) price change was +4.93% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.20%. For the same industry, the average monthly price growth was +1.50%, and the average quarterly price growth was +9.03%.
Reported Earning Dates
FNB is expected to report earnings on Jan 20, 2027.
PNC is expected to report earnings on Jan 15, 2027.
Industries' Descriptions
@Regional Banks (+2.20% 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.
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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 90% 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% | +2.13% | ||
| ASB - FNB | 90% Closely correlated | +2.16% | ||
| ONB - FNB | 89% Closely correlated | +2.32% | ||
| WTFC - FNB | 88% Closely correlated | +1.62% | ||
| ZION - FNB | 87% Closely correlated | +1.03% | ||
| HWC - FNB | 87% Closely correlated | +1.63% | ||
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PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with USB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then USB could also see price increases.
| Ticker / NAME | Correlation To PNC | 1D Price Change % | ||
|---|---|---|---|---|
| PNC | 100% | +1.18% | ||
| USB - PNC | 88% Closely correlated | +1.64% | ||
| FITB - PNC | 86% Closely correlated | +0.80% | ||
| MTB - PNC | 85% Closely correlated | +1.51% | ||
| HBAN - PNC | 85% Closely correlated | -0.38% | ||
| TFC - PNC | 84% Closely correlated | +1.45% | ||
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| EPV | 18.91 | 0.38 | +2.05% |
| ProShares UltraShort FTSE Europe (EPV) | |||
| DFSV | 38.91 | 0.49 | +1.28% |
| U.S. Small Cap Value Portfolio: ETF Class Shares (DFSV) | |||
| HRTS | 37.78 | 0.27 | +0.73% |
| Tema Heart & Health ETF (HRTS) | |||
| ATMP | 35.32 | -0.20 | -0.56% |
| Barclays ETN+ Select MLP ETN (ATMP) | |||
| ECF | 11.44 | -0.36 | -3.05% |
| Ellsworth Growth and Income Fund Ltd | |||