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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) and Regions Financial Corporation (RF) are both regional banks with operations concentrated in the U.S. Southeast and Midwest, offering similar exposure to community banking, wealth management, and commercial lending.
- Recent market activity shows both stocks influenced by broader banking sector sentiment, interest rate expectations, and quarterly earnings trends, with FNB reporting revenue growth and RF preparing for its second-quarter results.
- FNB has highlighted expansion through new branch openings and capital return initiatives, including dividend increases and share repurchase authorizations.
- RF has focused on digital enhancements, such as personalized mobile banking insights, and strategic acquisitions to strengthen its market position.
- Key performance metrics for both include net interest income (NII), return on average tangible common equity (ROTCE), and credit quality indicators such as nonperforming assets and net charge-offs (NCO).
- Relative performance reflects trade-offs in scale, geographic footprint, and growth initiatives amid a stable but monitored interest rate environment.
Introduction
Regional bank stocks such as F.N.B. Corporation (FNB) and Regions Financial Corporation (RF) often appeal to investors seeking exposure to domestic lending, deposit gathering, and fee-based services. This comparison examines their business profiles, recent operational developments, and market positioning to assist traders and portfolio managers evaluating relative value within the financial sector. The analysis focuses on verifiable factors including earnings trends, strategic moves, and sector dynamics rather than short-term price fluctuations.
F.N.B. Corporation (FNB) Overview and Recent Performance
F.N.B. Corporation (FNB) operates as a diversified financial services holding company headquartered in Pittsburgh, Pennsylvania, with its primary subsidiary First National Bank serving customers across Pennsylvania, Ohio, Maryland, and other Mid-Atlantic and Southeastern states. The company provides commercial and consumer banking, wealth management, and insurance products. In recent market activity, FNB has emphasized revenue expansion and capital management. First-quarter 2026 results showed revenue growth of 9.4% year-over-year, supporting an 18.8% increase in diluted earnings per share. Management highlighted positive operating leverage and an 11.4% rise in tangible book value per share. Additional developments include new branch openings in South Carolina and recognition for sustained growth, alongside an 8% dividend increase and authorization of a $300 million share repurchase program.
Regions Financial Corporation (RF) Overview and Recent Performance
Regions Financial Corporation (RF), headquartered in Birmingham, Alabama, is a regional bank holding company with a footprint primarily in the Southeastern United States. It offers retail and commercial banking, wealth management, and capital markets services to individuals and businesses. Recent market activity has centered on digital innovation and portfolio expansion. The company launched personalized insights for mobile banking customers and announced plans to acquire The Frazer Lanier Company. RF is scheduled to report second-quarter 2026 earnings on July 17, following first-quarter results that included net income of $539 million. These initiatives occur alongside ongoing focus on credit discipline and efficiency in a competitive lending environment.
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Head-to-Head Comparison
F.N.B. Corporation (FNB) and Regions Financial Corporation (RF) share regional banking business models but differ in scale and emphasis. RF maintains a larger asset base and broader Southeastern presence, while FNB operates across a more dispersed Mid-Atlantic and Southeastern footprint. Growth drivers for FNB include recent branch expansion and capital returns via dividends and buybacks. RF has pursued digital product enhancements and targeted acquisitions to deepen client relationships. Recent momentum reflects sector-wide factors such as net interest margin (NIM) trends and deposit competition. Risk factors common to both include interest rate sensitivity, credit quality measured by nonperforming loans, and regulatory capital requirements such as Common Equity Tier 1 (CET1) ratios. Market sentiment remains tied to macroeconomic indicators and upcoming earnings releases, with each stock offering distinct trade-offs in geographic concentration and strategic priorities.
Tickeron AI Verdict
Based on observable factors including trend consistency in earnings growth, capital return programs, and relative stability in recent reporting, Tickeron’s AI models currently assign a modestly higher probability of favorable positioning to F.N.B. Corporation (FNB). This assessment draws from documented revenue expansion and shareholder return initiatives, balanced against RF’s upcoming earnings release and digital initiatives. The evaluation remains probabilistic and subject to new data releases.
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 RF is a Buy.
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 2 FA rating(s) are green whileRF’s FA Score has 3 green FA rating(s).
- FNB’s FA Score: 2 green, 3 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 4 TA indicator(s) are bullish while RF’s TA Score has 2 bullish TA indicator(s).
- FNB’s TA Score: 4 bullish, 5 bearish.
- RF’s TA Score: 2 bullish, 4 bearish.
Price Growth
FNB (@Regional Banks) experienced а -1.25% price change this week, while RF (@Regional Banks) price change was +1.94% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.58%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +15.22%.
Reported Earning Dates
FNB is expected to report earnings on Jul 16, 2026.
RF is expected to report earnings on Jul 17, 2026.
Industries' Descriptions
@Regional Banks (-0.58% 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 | 6.74B | 26.5B | 25% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 12.325 | 16.858 | 73% |
| P/E Ratio | 11.69 | 12.89 | 91% |
| 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 | 87 | 33 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 44 Fair valued | 41 Fair valued | |
PROFIT vs RISK RATING 1..100 | 32 | 30 | |
SMR RATING 1..100 | 21 | 9 | |
PRICE GROWTH RATING 1..100 | 47 | 20 | |
P/E GROWTH RATING 1..100 | 59 | 42 | |
SEASONALITY SCORE 1..100 | 50 | 90 |
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 (41) 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 Profit vs Risk Rating (30) in the Major Banks industry is in the same range as FNB (32) in the Regional Banks industry. This means that RF’s stock grew similarly to FNB’s over the last 12 months.
RF's SMR Rating (9) in the Major Banks industry is in the same range as FNB (21) 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 (20) in the Major Banks industry is in the same range as FNB (47) 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 (42) in the Major Banks industry is in the same range as FNB (59) 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 76% | 1 day ago 70% |
| Stochastic ODDS (%) | 1 day ago 70% | 1 day ago 46% |
| Momentum ODDS (%) | 1 day ago 63% | N/A |
| MACD ODDS (%) | 1 day ago 57% | N/A |
| TrendWeek ODDS (%) | 1 day ago 60% | 1 day ago 63% |
| TrendMonth ODDS (%) | 1 day ago 52% | 1 day ago 58% |
| Advances ODDS (%) | 1 day ago 57% | 1 day ago 63% |
| Declines ODDS (%) | 6 days ago 56% | 26 days ago 62% |
| BollingerBands ODDS (%) | 1 day ago 61% | 1 day ago 69% |
| Aroon ODDS (%) | 1 day ago 43% | 1 day ago 54% |
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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% | +0.53% | ||
| ASB - FNB | 91% Closely correlated | +0.56% | ||
| ONB - FNB | 90% Closely correlated | +0.44% | ||
| ZION - FNB | 90% Closely correlated | -0.42% | ||
| WTFC - FNB | 89% Closely correlated | -0.01% | ||
| HWC - FNB | 87% Closely correlated | +0.70% | ||
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