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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
- RF is the larger institution, with a market capitalization several times that of FNB, giving it greater scale and a more diversified fee-based revenue mix.
- Both banks reported solid first-quarter 2026 results, with FNB posting 19% earnings growth and RF posting 15% EPS (earnings per share) growth.
- FNB has leaned into shareholder returns, announcing an 8% dividend increase and a new $250 million share repurchase program.
- RF is expanding through acquisitions and branch growth across the high-growth Southeast, while also boosting its dividend by double digits.
- Relative performance has diverged in the short term, with RF outperforming recently even as both names trade below consensus analyst price targets.
Introduction
Regional banks occupy a distinct niche in the financial sector, deriving most of their revenue from lending while gradually building fee-based businesses. This stock comparison evaluates two established Southeastern and Mid-Atlantic franchises: F.N.B. Corporation (FNB) and Regions Financial Corporation (RF). Investors weighing market positioning, capital returns, and relative performance may find this pairing useful, as it contrasts a mid-cap growth-oriented lender with a larger, diversified regional powerhouse. Recent market activity, earnings reports, and strategic announcements provide a timely basis for assessing how these two banks measure up in the current environment.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB) is a Pittsburgh-based bank and financial holding company tracing its roots to 1864. It provides banking, wealth management, and insurance services across seven states and Washington, D.C., and has built a reputation for digital innovation, including its eStore account-opening platform and mobile banking tools.
In recent weeks, FNB reported first-quarter 2026 earnings of $0.38 per diluted share, up 19% from the prior-year quarter, with revenue rising 8.6% year over year. Net interest income (NII, the interest earned on loans minus interest paid on deposits) totaled $359.3 million, while the net interest margin (NIM, a measure of lending profitability) held near 3.25%. Credit quality remained stable, and the Common Equity Tier 1 (CET1) capital ratio—a key regulatory measure of a bank's financial strength—stood at an estimated 11.4%. The company also announced an 8% dividend increase and a new $250 million share repurchase program. Despite these positives, the stock has seen softer near-term momentum, pulling back over recent months even as longer-term total returns remain positive. Analysts have responded with a mix of Buy and Hold ratings, with several price targets above recent trading levels.
RF Overview and Recent Performance
Regions Financial Corporation (RF) is a substantially larger regional bank headquartered in Birmingham, Alabama, serving customers across the Southeastern and Midwestern United States. It operates a diversified model spanning consumer and commercial banking, wealth management, and capital markets.
Recent market activity has favored RF, with the stock gaining roughly 8% over a recent three-month stretch, outpacing its regional-bank peer group. The company's first-quarter 2026 results showed earnings of $0.62 per share, a 15% increase versus adjusted prior-year figures, and a return on tangible common equity (ROTCE, a profitability gauge that strips out intangible assets) of 18%. Its net interest margin was 3.67%, and the CET1 ratio came in at an estimated 10.7%. Management has guided toward mid-single-digit NII growth for the full year. Strategically, RF has pursued expansion through acquisitions—most recently the Frazer Lanier Company—and plans to open 135–150 new branches over five years. The company also raised its dividend and executed $401 million in share repurchases during the quarter, underscoring a commitment to returning capital.
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Head-to-Head Comparison
The clearest contrast between the two banks is scale. RF carries a market capitalization several times larger than FNB, giving it broader geographic reach, a larger capital-markets and wealth-management franchise, and a more diversified fee-income base. FNB, by comparison, is more concentrated in traditional lending, with NII representing the bulk of revenue, and leans on technology and operational efficiency—its efficiency ratio has historically run in the low-to-mid 50s.
On growth drivers, RF is actively pursuing inorganic expansion and branch additions in fast-growing Southern markets, while FNB emphasizes organic growth, digital adoption, and disciplined expense management. Risk profiles also differ modestly: RF carries a lower CET1 ratio (10.7%) and slightly higher net charge-offs, while FNB holds a higher capital buffer (11.4%) and very low credit losses. On sentiment, RF has shown stronger recent momentum, whereas FNB has experienced a pullback despite solid fundamentals—a divergence that leaves both stocks trading below consensus price targets.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely favor RF in the current environment. The stock's stronger recent relative performance, larger scale, diversified fee-based revenue, and clearer near-term catalysts—including acquisitions, branch expansion, and rising loan pipelines—suggest more consistent trend strength and stability. FNB presents an attractive valuation and robust capital-return profile, but its softer short-term momentum and greater reliance on NII introduce more uncertainty in the near term. This assessment is probabilistic rather than definitive: both banks demonstrate sound fundamentals, and shifts in interest rates, credit conditions, or sentiment could alter the balance of relative positioning at any time.
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 Buy and RF is a Hold.
FNB in upward trend: price rose above 50-day moving average on October 22, 2026
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. In 28 of 48 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 58%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator is in the oversold zone. Keep an eye out for a move up in the foreseeable future.
The Moving Average Convergence Divergence (MACD) for FNB just turned positive on October 15, 2026. Looking at past instances where FNB's MACD turned positive, the stock continued to rise in 22 of 41 cases over the following month. The odds of a continued upward trend are 54%.
The 10-day moving average for FNB crossed bullishly above the 50-day moving average on October 29, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 8 of 16 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 50%.
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 Momentum Indicator moved below the 0 level on November 05, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on FNB as a result. In 57 of 86 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 66%.
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 58%.
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 28 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron Price Growth Rating for this company is 48 (best 1 - 100 worst), indicating steady price growth. FNB’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued 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.
The Tickeron PE Growth Rating for this company is 55 (best 1 - 100 worst), pointing to average 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 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 (0.932) is normal, around the industry mean (1.262). P/E Ratio (10.592) is within average values for comparable stocks, (13.479). 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).
Momentum Indicator for RF turns negative, indicating new downward trend
RF saw its Momentum Indicator move below the 0 level on November 06, 2026. This is an indication that the stock could be shifting in to a new downward move. Traders may want to consider selling the stock or exploring put options. Tickeron's A.I.dvisor looked at 73 similar instances where the indicator turned negative. In 52 of the 73 cases, the stock moved further down in the following days. The odds of a decline are at 71%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 34 of 59 cases where RF's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 58%.
RF moved below its 50-day moving average on November 06, 2026 date and that indicates a change from an upward trend to a downward trend.
The 50-day moving average for RF moved below the 200-day moving average on November 06, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where RF 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 63%.
RF 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.
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where RF's RSI Indicator exited the oversold zone, 22 of 31 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 71%.
The Moving Average Convergence Divergence (MACD) for RF just turned positive on October 08, 2026. Looking at past instances where RF's MACD turned positive, the stock continued to rise in 28 of 42 cases over the following month. The odds of a continued upward trend are 67%.
The 10-day moving average for RF crossed bullishly above the 50-day moving average on November 02, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 8 of 13 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 62%.
Following a +0.74% 3-day Advance, the price is estimated to grow further. Considering data from situations where RF advanced for three days, in 191 of 315 cases, the price rose further within the following month. The odds of a continued upward trend are 61%.
The Aroon Indicator entered an Uptrend today. In 152 of 269 cases where RF Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 57%.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 7 (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 Seasonality Score of 20 (best 1 - 100 worst) indicates that the company is slightly undervalued 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.
The Tickeron Profit vs. Risk Rating rating for this company is 35 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock slightly better than average.
The Tickeron PE Growth Rating for this company is 37 (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 47 (best 1 - 100 worst), indicating steady price growth. RF’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 55 (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 (1.380) is normal, around the industry mean (1.262). P/E Ratio (11.462) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (1.424) is also within normal values, averaging (1.190). Dividend Yield (0.042) settles around the average of (0.035) among similar stocks. P/S Ratio (3.269) is also within normal values, averaging (3.738).
FNB | RF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 62 Fair valued | 55 Fair valued | |
PROFIT vs RISK RATING 1..100 | 28 | 35 | |
SMR RATING 1..100 | 11 | 7 | |
PRICE GROWTH RATING 1..100 | 48 | 47 | |
P/E GROWTH RATING 1..100 | 55 | 37 | |
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.
RF's Valuation (55) in the Major Banks industry is in the same range as FNB (62) 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 (28) in the Regional Banks industry is in the same range as RF (35) 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 (7) in the Major Banks industry is in the same range as FNB (11) 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 (47) in the Major Banks industry is in the same range as FNB (48) 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 (37) in the Major Banks industry is in the same range as FNB (55) 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 (%) | N/A | 3 days ago 71% |
| Stochastic ODDS (%) | 3 days ago 58% | 3 days ago 58% |
| Momentum ODDS (%) | 3 days ago 66% | 3 days ago 71% |
| MACD ODDS (%) | 3 days ago 54% | 3 days ago 67% |
| TrendWeek ODDS (%) | 3 days ago 60% | 3 days ago 63% |
| TrendMonth ODDS (%) | 3 days ago 50% | 3 days ago 58% |
| Advances ODDS (%) | 18 days ago 55% | 14 days ago 61% |
| Declines ODDS (%) | 12 days ago 58% | 3 days ago 63% |
| BollingerBands ODDS (%) | 3 days ago 66% | 3 days ago 61% |
| Aroon ODDS (%) | 3 days ago 61% | 3 days ago 57% |
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 RF’s FA Score has 1 green FA rating(s).
- FNB’s FA Score: 2 green, 3 red.
- RF’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 RF’s TA Score has 5 bullish TA indicator(s).
- FNB’s TA Score: 5 bullish, 4 bearish.
- RF’s TA Score: 5 bullish, 6 bearish.
Price Growth
FNB (@Regional Banks) experienced а -0.89% price change this week, while RF (@Regional Banks) price change was -0.91% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.20%. For the same industry, the average monthly price growth was +1.70%, and the average quarterly price growth was +7.08%.
Reported Earning Dates
FNB is expected to report earnings on Jan 20, 2027.
RF is expected to report earnings on Jan 22, 2027.
Industries' Descriptions
@Regional Banks (+0.20% 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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RF and
Correlation & Price change
A.I.dvisor indicates that over the last year, RF has been closely correlated with MTB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if RF jumps, then MTB could also see price increases.