Advertisement
FNB vs RF
F.N.B. Corporation (FNB) vs Regions Financial Corporation (RF) Earnings Preview: Q1 Insights for Regional Banks
Key Takeaways
- Both FNB and RF report Q1 2026 earnings this week, with analysts forecasting EPS growth of 18.8% for FNB ($0.38) and 11.1% for RF ($0.60).
- FNB's Q4 2025 results showed record net interest income (NII, revenue from interest-earning assets minus interest expenses) of $365 million, up 13.4% year-over-year, with EPS of $0.50 beating estimates.
- RF posted strong full-year 2025 adjusted earnings of $2.1 billion, Q4 NII up 4.1% to $1.28 billion, and CET1 (Common Equity Tier 1, a key measure of core capital strength) at 10.8%.
- Regional banks face deposit growth challenges amid higher rates, but both show resilient margins around 3.3-3.7% and controlled net charge-offs (NCO, losses from bad loans).
- FNB's smaller scale ($50B assets) emphasizes community banking; RF's larger footprint ($160B assets) drives diversified fee income from wealth and corporate segments.
Earnings Context and Why This Comparison Matters
Quarterly earnings remain a critical lens for regional banks like FNB and RF, revealing progress on net interest margins, loan quality, and deposit stability in a high-rate environment. Both operate in the competitive U.S. Southeast and Mid-Atlantic, serving consumers, businesses, and governments through community banking, wealth management, and insurance. FNB focuses on smaller markets across Pennsylvania to Virginia, while RF has broader exposure. Comparing their Q1 2026 reports highlights execution amid economic uncertainty, funding costs, and credit normalization, informing investor views on growth, efficiency, and resilience.
F.N.B. Corporation Focus
FNB reports Q1 2026 earnings on April 16 after market close, with a conference call the next day. Analysts expect EPS of $0.38 (up 18.8% year-over-year) and revenue of $455 million (up 10.5%), including NII around $364 million. Building on Q4 2025's beat—operating EPS $0.50 vs. $0.41 expected, record NII $365 million (NIM 3.28%), loans up 3.4% to $35 billion average, deposits +4.5% to $38.6 billion—FNB crossed $50 billion in assets. Provisions fell to $19 million, ROTCE (return on tangible common equity, profitability on tangible equity) hit 16%, and CET1 rose to 11.4%. Investors watch sustained loan growth, fee income from wealth management, and expense control via AI investments.
Regions Financial Corporation Context
RF follows with Q1 2026 results on April 17 pre-market, expecting EPS $0.60 (up 11.1%) and revenue $1.92 billion. Q4 2025 delivered adjusted EPS $0.57 (missed $0.61 slightly), total revenue $1.92 billion (NIM 3.70%, up 15 bps), NII $1.28 billion (+4.1% YoY), deposits stable at $131 billion (interest-bearing costs 1.85%), and loans $95.6 billion. Full-year adjusted earnings rose 7% to $2.1 billion, with CET1 steady at 10.8%. NCOs ticked up to 0.59%, but ACL/NPLs (allowance for credit losses to non-performing loans) improved to 242%. RF's scale supports treasury and wealth fees; key is deposit mix shifts and capital returns ($430M buybacks in Q4).
Head-to-Head Earnings and Market Comparison
FNB (market cap $6.4B, shares ~$17.80) excels in efficiency (ROTCE 16%) and beat history, with NIM stability from optimized auto loans and commercial focus. Growth drivers include market share gains and tech upgrades, though smaller size limits diversification. Risks: consumer loan exposure, slower deposits.
RF (market cap $24B, shares ~$27.80) offers scale advantages, peer-leading deposit costs, and record 2025 fees, but Q4 EPS miss highlights expense pressures and loan moderation. Strengths: CET1 buffer for buybacks/dividends (yield ~3.8%), improving credit (NPLs down 8%). Risks: NCO normalization, CRE (commercial real estate) sensitivity.
Both maintain strong capital (CET1 10.8-11.4%), controlled NCOs (~0.5-0.6%), and positive sentiment on margin expansion. FNB edges on per-share growth; RF on absolute revenue/fee potential. Market favors RF's liquidity amid volatility.
AI Screener
Tickeron’s AI Screener is an AI-powered stock and ETF discovery tool that helps traders and investors filter the market based on technical patterns, fundamentals, trends, volatility, and AI-driven signals. Users can scan thousands of stocks and ETFs using customizable filters such as industry, market capitalization, technical indicators, price patterns, and performance metrics. The screener identifies trade ideas, trending stocks, breakout candidates, and market opportunities more efficiently than manual screening, empowering data-driven decisions across asset classes. Explore it today to uncover hidden gems in regional banking.
Tickeron AI Verdict
Tickeron AI currently favors RF with 65% probability over the next quarter, citing superior scale, deposit stability, diversified fees, and capital flexibility despite recent EPS miss. FNB's efficiency shines, but RF's positioning edges in trend strength and earnings quality.
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. 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 Hold and RF 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 whileRF’s FA Score has 2 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- RF’s FA Score: 2 green, 3 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 6 TA indicator(s) are bullish while RF’s TA Score has 6 bullish TA indicator(s).
- FNB’s TA Score: 6 bullish, 4 bearish.
- RF’s TA Score: 6 bullish, 4 bearish.
Price Growth
FNB (@Regional Banks) experienced а +1.41% price change this week, while RF (@Regional Banks) price change was +2.29% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.58%. For the same industry, the average monthly price growth was +6.76%, and the average quarterly price growth was +20.92%.
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 (+1.58% 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 | 6.38B | 24B | 27% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 5.659 | 4.799 | 118% |
| P/E Ratio | 11.07 | 11.67 | 95% |
| Revenue | 1.77B | 7.53B | 23% |
| Total Cash | 387M | 3.11B | 12% |
| Total Debt | 3.08B | 4.88B | 63% |
FNB | RF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 39 | 45 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 64 Fair valued | 69 Overvalued | |
PROFIT vs RISK RATING 1..100 | 38 | 39 | |
SMR RATING 1..100 | 11 | 7 | |
PRICE GROWTH RATING 1..100 | 44 | 19 | |
P/E GROWTH RATING 1..100 | 50 | 38 | |
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 (64) in the Regional Banks industry is in the same range as RF (69) in the Major Banks industry. This means that FNB’s stock grew similarly to RF’s over the last 12 months.
FNB's Profit vs Risk Rating (38) in the Regional Banks industry is in the same range as RF (39) 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 (19) 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.
RF's P/E Growth Rating (38) 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 (%) | 3 days ago 68% | 3 days ago 64% |
| Stochastic ODDS (%) | 3 days ago 59% | 3 days ago 63% |
| Momentum ODDS (%) | 3 days ago 66% | 3 days ago 64% |
| MACD ODDS (%) | 3 days ago 59% | 3 days ago 64% |
| TrendWeek ODDS (%) | 3 days ago 57% | 3 days ago 63% |
| TrendMonth ODDS (%) | 3 days ago 52% | 3 days ago 59% |
| Advances ODDS (%) | 11 days ago 53% | 3 days ago 62% |
| Declines ODDS (%) | 21 days ago 58% | 24 days ago 64% |
| BollingerBands ODDS (%) | 3 days ago 68% | 3 days ago 55% |
| Aroon ODDS (%) | 3 days ago 44% | 3 days ago 56% |
Advertisement
| 1 Day | |||
|---|---|---|---|
| MFs / NAME | Price $ | Chg $ | Chg % |
| TMPRX | 58.39 | 1.46 | +2.56% |
| Touchstone Mid Cap R6 | |||
| WPVLX | 29.97 | 0.43 | +1.46% |
| Weitz Multi Cap Equity-Investor Cl | |||
| FAOOX | 65.27 | 0.65 | +1.01% |
| American Funds Invmt Co of Amer 529-F-3 | |||
| JGSRX | 13.85 | 0.12 | +0.87% |
| JHancock Global Shareholder Yield R2 | |||
| MDFSX | 8.58 | 0.06 | +0.70% |
| Manning & Napier Disciplined Value S | |||
FNB and
Correlation & Price change
A.I.dvisor indicates that over the last year, FNB has been closely correlated with ONB. These tickers have moved in lockstep 92% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNB jumps, then ONB could also see price increases.
| Ticker / NAME | Correlation To FNB | 1D Price Change % | ||
|---|---|---|---|---|
| FNB | 100% | +3.10% | ||
| ONB - FNB | 92% Closely correlated | +2.88% | ||
| ZION - FNB | 91% Closely correlated | +1.93% | ||
| ASB - FNB | 91% Closely correlated | +2.51% | ||
| WTFC - FNB | 90% Closely correlated | +2.02% | ||
| HWC - FNB | 90% Closely correlated | +2.97% | ||
More | ||||