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FNB vs TCBI
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Texas Capital Bancshares, Inc. (TCBI) Stock Comparison
Key Takeaways
- F.N.B. Corporation (FNB) holds a larger market capitalization of about $6.4 billion versus Texas Capital Bancshares, Inc. (TCBI)'s $4.7 billion, indicating broader scale.
- TCBI has delivered stronger year-to-date returns of 16.8% compared to FNB's 5.0%, reflecting superior recent momentum.
- Recent quarterly earnings for FNB showed 19% EPS growth to $0.38, alongside an 8% dividend increase and $250 million buyback authorization.
- FNB trades at a lower P/E ratio of 11.0 versus TCBI's 15.6, suggesting relative value in the regional banking sector.
- Both stocks exhibit solid capital positions, with FNB's CET1 (Common Equity Tier 1, a core capital strength measure) at 11.4% supporting stability.
- TCBI benefits from Texas market exposure, driving higher revenue growth in recent periods.
Introduction
In the competitive regional banking landscape, FNB and TCBI offer investors exposure to diversified lending and deposit operations amid fluctuating interest rates. This stock comparison evaluates their business models, recent market performance, and key metrics to aid traders assessing relative value, momentum, and risk in the current environment. Value-oriented investors may eye FNB's stability, while growth seekers might favor TCBI's trajectory, providing insights for portfolio positioning or short-term trades.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB) is a Pittsburgh-headquartered regional bank serving the Mid-Atlantic and Southeast through community banking, commercial loans, and wealth management. In recent market activity, shares have climbed around 8% over the past 30 days, buoyed by positive sentiment ahead of Q1 2026 earnings. The bank reported diluted EPS of $0.38, up 19% year-over-year, with revenue growth of 9.4%, though slightly below estimates; pre-provision net revenue rose, reflecting operational efficiency. Key influences include an 8% dividend hike to $0.13 per share and a new $250 million share repurchase program, alongside a CET1 ratio of 11.4% (Common Equity Tier 1, a key measure of core capital strength). Year-to-date returns stand at 5%, with ROE (return on equity) at 8.9%, underscoring steady performance amid sector pressures on NII (net interest income).
TCBI Overview and Recent Performance
Texas Capital Bancshares, Inc. (TCBI) operates as a commercial bank focused on middle-market businesses in Texas, offering lending, treasury management, and investment services. Recent weeks have seen shares maintain upward momentum, with year-to-date gains of 16.8% and one-year returns of 60%, outpacing peers. Building on strong Q4 2025 results featuring 38.8% annual revenue growth to $1.2 billion, the bank anticipates Q1 2026 earnings on April 23. Performance drivers include robust net interest income expansion and a ROE (return on equity) of 9.4%, though profit margins trail at 27.5% versus peers. Investor sentiment reflects optimism on Texas economic resilience, with shares trading near 52-week highs despite broader rate sensitivity.
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Head-to-Head Comparison
Both FNB and TCBI operate in regional banking, emphasizing commercial and consumer lending, but FNB offers broader geographic diversification across eight states versus TCBI's Texas concentration. Growth drivers favor TCBI, with recent revenue surges outpacing FNB, though the latter shows higher profitability margins at 34%. Recent momentum tilts to TCBI on YTD gains, while FNB counters with buyback and dividend catalysts. Risk factors include interest rate exposure impacting NII (net interest income) for both, but FNB's larger scale and lower beta (0.90 vs. 0.67) suggest relative stability; sector risks like commercial real estate are comparable. Market sentiment leans positive for FNB post-earnings, with analyst targets implying upside, versus TCBI's growth premium at higher P/E.
Tickeron AI Verdict
Tickeron's AI currently favors TCBI due to its consistent trend strength, superior YTD and one-year returns, and revenue growth momentum in a favorable Texas economy. While FNB offers value through lower valuation and capital returns, TCBI's relative positioning signals higher probability of near-term outperformance amid regional bank recovery.
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 Buy and TCBI 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 whileTCBI’s FA Score has 1 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- TCBI’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 TCBI’s TA Score has 3 bullish TA indicator(s).
- FNB’s TA Score: 5 bullish, 4 bearish.
- TCBI’s TA Score: 3 bullish, 6 bearish.
Price Growth
FNB (@Regional Banks) experienced а +2.01% price change this week, while TCBI (@Regional Banks) price change was -1.15% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +13.60%.
Reported Earning Dates
FNB is expected to report earnings on Jul 22, 2026.
TCBI is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (+1.31% 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 | TCBI | FNB / TCBI | |
| Capitalization | 6.67B | 4.43B | 151% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 11.256 | 10.195 | 110% |
| P/E Ratio | 11.33 | 13.41 | 85% |
| Revenue | 1.8B | 1.3B | 139% |
| Total Cash | 452M | 254M | 178% |
| Total Debt | 3.14B | 878M | 357% |
FNB | TCBI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 28 | 70 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 44 Fair valued | 77 Overvalued | |
PROFIT vs RISK RATING 1..100 | 36 | 46 | |
SMR RATING 1..100 | 20 | 24 | |
PRICE GROWTH RATING 1..100 | 46 | 48 | |
P/E GROWTH RATING 1..100 | 50 | 98 | |
SEASONALITY SCORE 1..100 | 50 | 85 |
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 (44) in the Regional Banks industry is somewhat better than the same rating for TCBI (77). This means that FNB’s stock grew somewhat faster than TCBI’s over the last 12 months.
FNB's Profit vs Risk Rating (36) in the Regional Banks industry is in the same range as TCBI (46). This means that FNB’s stock grew similarly to TCBI’s over the last 12 months.
FNB's SMR Rating (20) in the Regional Banks industry is in the same range as TCBI (24). This means that FNB’s stock grew similarly to TCBI’s over the last 12 months.
FNB's Price Growth Rating (46) in the Regional Banks industry is in the same range as TCBI (48). This means that FNB’s stock grew similarly to TCBI’s over the last 12 months.
FNB's P/E Growth Rating (50) in the Regional Banks industry is somewhat better than the same rating for TCBI (98). This means that FNB’s stock grew somewhat faster than TCBI’s over the last 12 months.
| FNB | TCBI | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 70% | N/A |
| Stochastic ODDS (%) | 2 days ago 60% | 2 days ago 79% |
| Momentum ODDS (%) | 2 days ago 60% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 47% | 2 days ago 76% |
| TrendWeek ODDS (%) | 2 days ago 61% | 2 days ago 65% |
| TrendMonth ODDS (%) | 2 days ago 51% | 2 days ago 62% |
| Advances ODDS (%) | 2 days ago 55% | 12 days ago 65% |
| Declines ODDS (%) | 23 days ago 57% | 6 days ago 63% |
| BollingerBands ODDS (%) | 2 days ago 66% | 2 days ago 65% |
| Aroon ODDS (%) | 2 days ago 43% | 2 days ago 67% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| EPAI | 31.15 | 0.76 | +2.51% |
| Harbor AI Inflection Strategy ETF | |||
| FNY | 108.78 | 0.84 | +0.78% |
| First Trust Mid Cap Growth AlphaDEX® ETF | |||
| PPIE | 28.10 | N/A | N/A |
| Putnam PanAgora ESG International Equity ETF | |||
| FDL | 48.97 | -0.08 | -0.16% |
| First Trust Morningstar Div Leaders ETF | |||
| NMT | 12.77 | -0.20 | -1.54% |
| Nuveen Massachusetts Quality Municipal Income Fund | |||
TCBI and
Correlation & Price change
A.I.dvisor indicates that over the last year, TCBI has been closely correlated with SBCF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if TCBI jumps, then SBCF could also see price increases.
| Ticker / NAME | Correlation To TCBI | 1D Price Change % | ||
|---|---|---|---|---|
| TCBI | 100% | +0.50% | ||
| SBCF - TCBI | 87% Closely correlated | +1.07% | ||
| FNB - TCBI | 86% Closely correlated | +0.71% | ||
| ONB - TCBI | 86% Closely correlated | +0.85% | ||
| ASB - TCBI | 85% Closely correlated | +0.62% | ||
| WTFC - TCBI | 85% Closely correlated | +1.10% | ||
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