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FNB vs RF
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Regions Financial Corporation (RF) Stock Comparison
Key Takeaways
- F.N.B. Corporation (FNB) reported Q1 2026 EPS of $0.38, up 19% year-over-year, matching estimates while increasing its dividend by 8%.
- Regions Financial Corporation (RF) delivered Q1 2026 EPS of $0.62, up 15% adjusted, with revenue growth of 5%.
- FNB trades at a lower trailing P/E of 10.95 and price-to-book of 0.93, indicating potential undervaluation compared to RF's 11.76 and 1.39.
- RF offers a higher dividend yield at 3.74% versus FNB's 2.93%, with superior ROE of 11.90%.
- Both stocks exhibit resilience in recent market activity amid regional banking sector pressures, with RF showing YTD gains of 5.54%.
- FNB's lower beta of 0.90 suggests reduced volatility relative to RF's 1.04.
Introduction
F.N.B. Corporation (FNB) and Regions Financial Corporation (RF) are prominent regional banks navigating a dynamic economic landscape marked by interest rate stability and lending opportunities. This stock comparison evaluates their recent performance, financial metrics, and market positioning, aiding value-oriented investors, dividend seekers, and traders assessing relative strength in the banking sector. With both companies reporting solid Q1 2026 results, understanding their contrasts in scale, valuation, and growth trajectories can inform portfolio decisions in today's market environment.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB) is a diversified financial holding company headquartered in Pittsburgh, Pennsylvania, providing retail and commercial banking, wealth management, and insurance services across the Mid-Atlantic and Midwest regions. In recent market activity, FNB shares have traded around $17.50, reflecting a market capitalization of approximately $6.31 billion. The bank's Q1 2026 earnings showcased EPS of $0.38, a 19% increase year-over-year, driven by positive operating leverage and net interest income (NII, revenue from interest-bearing assets minus interest expenses) growth, though revenues slightly missed expectations. Sentiment has been bolstered by an 8% dividend hike and share repurchase authorization, signaling confidence amid stable loan growth and controlled expenses. Lower provisions for credit losses have further supported profitability, positioning FNB as a resilient value play in regional banking.
RF Overview and Recent Performance
Regions Financial Corporation (RF), based in Birmingham, Alabama, operates a broad network of banking services including corporate, consumer, and wealth management segments across 15 states in the South and Southeast. Shares recently closed at $28.33 with a $24.20 billion market cap. Q1 2026 results highlighted net income of $539 million and EPS of $0.62, up 11% and 15% respectively on an adjusted basis, fueled by 5% revenue growth to $1.87 billion and NII expansion. Recent developments include strategic collaborations in treasury management and positive analyst updates, with price targets raised. Performance reflects robust deposit growth and fee income, though margin pressures persist; YTD returns stand at 5.54%, underscoring steady momentum in a competitive sector.
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Head-to-Head Comparison
Both FNB and RF operate similar regional banking models focused on NII, loan portfolios, and deposit gathering, but differ in scale and exposure. RF's larger footprint in high-growth Southern markets drives superior ROE (11.90% vs. 8.86%) and revenue base, while FNB emphasizes Mid-Atlantic stability with a lower price-to-book ratio (0.93), appealing to value investors. Recent momentum favors RF's YTD gains, yet FNB's reduced beta (0.90) offers lower risk. Growth drivers include loan demand for both, but RF benefits from wealth management diversification. Risk factors like interest rate sensitivity and credit quality (NCO, net charge-offs) are comparable, with market sentiment tilting toward RF for its dividend edge.
Tickeron AI Verdict
Tickeron's AI currently leans toward RF based on stronger earnings growth, higher ROE, elevated dividend yield, and positive YTD momentum, suggesting better trend consistency and catalyst potential in the near term. However, FNB's undervaluation provides a compelling value alternative if market rotations favor smaller banks. This assessment reflects observable data rather than guarantees.
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 Buy and RF 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 whileRF’s FA Score has 3 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- RF’s FA Score: 3 green, 2 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 RF’s TA Score has 5 bullish TA indicator(s).
- FNB’s TA Score: 5 bullish, 4 bearish.
- RF’s TA Score: 5 bullish, 3 bearish.
Price Growth
FNB (@Regional Banks) experienced а +0.38% price change this week, while RF (@Regional Banks) price change was +0.52% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.31%. For the same industry, the average monthly price growth was +4.37%, and the average quarterly price growth was +12.10%.
Reported Earning Dates
FNB is expected to report earnings on Jul 22, 2026.
RF is expected to report earnings on Jul 17, 2026.
Industries' Descriptions
@Regional Banks (+0.31% 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 | RF | FNB / RF | |
| Capitalization | 6.54B | 24.5B | 27% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 8.942 | 8.132 | 110% |
| P/E Ratio | 11.33 | 11.93 | 95% |
| Revenue | 1.8B | 7.62B | 24% |
| Total Cash | 452M | 3.45B | 13% |
| Total Debt | 3.14B | 5.14B | 61% |
FNB | RF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 28 | 19 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 44 Fair valued | 33 Fair valued | |
PROFIT vs RISK RATING 1..100 | 36 | 42 | |
SMR RATING 1..100 | 20 | 9 | |
PRICE GROWTH RATING 1..100 | 46 | 25 | |
P/E GROWTH RATING 1..100 | 50 | 43 | |
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.
RF's Valuation (33) in the Major Banks industry is in the same range as FNB (44) in the Regional Banks industry. This means that RF’s stock grew similarly to FNB’s over the last 12 months.
FNB's Profit vs Risk Rating (36) in the Regional Banks industry is in the same range as RF (42) in the Major Banks industry. This means that FNB’s stock grew similarly to RF’s over the last 12 months.
RF's SMR Rating (9) in the Major Banks industry is in the same range as FNB (20) in the Regional Banks industry. This means that RF’s stock grew similarly to FNB’s over the last 12 months.
RF's Price Growth Rating (25) in the Major Banks industry is in the same range as FNB (46) in the Regional Banks industry. This means that RF’s stock grew similarly to FNB’s over the last 12 months.
RF's P/E Growth Rating (43) in the Major Banks industry is in the same range as FNB (50) in the Regional Banks industry. This means that RF’s stock grew similarly to FNB’s over the last 12 months.
| FNB | RF | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 70% | 1 day ago 67% |
| Stochastic ODDS (%) | 1 day ago 60% | 1 day ago 57% |
| Momentum ODDS (%) | 1 day ago 60% | 1 day ago 66% |
| MACD ODDS (%) | 1 day ago 47% | 1 day ago 67% |
| TrendWeek ODDS (%) | 1 day ago 61% | 1 day ago 63% |
| TrendMonth ODDS (%) | 1 day ago 51% | 1 day ago 58% |
| Advances ODDS (%) | 1 day ago 55% | 11 days ago 61% |
| Declines ODDS (%) | 22 days ago 57% | 5 days ago 62% |
| BollingerBands ODDS (%) | 1 day ago 66% | N/A |
| Aroon ODDS (%) | 1 day ago 43% | 1 day ago 54% |
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RF and
Correlation & Price change
A.I.dvisor indicates that over the last year, RF has been closely correlated with KEY. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if RF jumps, then KEY could also see price increases.