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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
- FNB reported stronger year-over-year earnings growth in Q1 2026 compared with TCBI, driven by revenue expansion and operating leverage.
- Both companies are regional banks preparing to release Q2 2026 results in mid-to-late July, providing near-term catalysts for price discovery.
- FNB authorized a $300 million share repurchase program and raised its quarterly dividend by 8% in April 2026.
- TCBI maintains a larger asset base and has delivered solid year-to-date total returns relative to broader benchmarks.
- Valuation metrics show FNB trading at a lower price-to-earnings ratio than TCBI, highlighting a potential value distinction within the sector.
- Analyst sentiment remains constructive for both names ahead of earnings, with limited differentiation in recent momentum.
Introduction
Regional banks continue to navigate evolving interest-rate expectations, credit quality trends, and competitive pressures in commercial lending. This comparison between FNB and TCBI focuses on recent financial results, balance-sheet positioning, and upcoming earnings releases to help investors and traders assess relative performance. The analysis is particularly relevant for those evaluating exposure to the U.S. regional banking sector through established players with distinct geographic footprints and capital-return strategies.
F.N.B. Corporation (FNB) Overview and Recent Performance
F.N.B. Corporation operates as a diversified financial services company primarily serving the Mid-Atlantic, Southeastern, and Midwestern United States. In Q1 2026 the firm posted revenue growth of 9.4 percent year-over-year, supporting an 18.8 percent increase in diluted earnings per share to $0.38 and an 11.4 percent rise in tangible book value per share. Management highlighted positive operating leverage, growth in non-interest income, and a return on average tangible common equity of 13.2 percent. Recent market activity reflects investor positioning ahead of the July 16, 2026 earnings release, with the stock trading near $18.70–$18.83. Capital actions include a new $300 million repurchase authorization and an 8 percent dividend increase, factors that have supported sentiment in recent weeks.
Texas Capital Bancshares, Inc. (TCBI) Overview and Recent Performance
Texas Capital Bancshares, Inc. is the holding company for Texas Capital Bank, with operations concentrated in major Texas markets. Q1 2026 results showed earnings per share of $1.56 and a return on average common equity of 8.4 percent, alongside total assets of $33.5 billion. The company is scheduled to report Q2 2026 results on July 22, 2026. Recent performance has featured year-to-date total returns of approximately 13.4 percent, modestly outpacing the S&P 500 benchmark over the same period. Share price levels have hovered around $101–$102 in early July trading, with analysts maintaining a consensus Hold rating and an average price target near $106. Market positioning reflects steady execution within a competitive Texas banking landscape.
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Head-to-Head Comparison
Both FNB and TCBI operate as regional banks, yet differ in scale and geographic focus: FNB maintains a broader multi-state presence while TCBI remains Texas-centric with a larger absolute asset base. Growth drivers for FNB include non-interest income expansion and capital-return initiatives, whereas TCBI emphasizes investment-banking pipelines and mid-single-digit revenue guidance. Recent momentum favors FNB on earnings-acceleration metrics and buyback activity, while TCBI shows steadier year-to-date equity returns. Risk factors are broadly similar, centered on interest-rate sensitivity, commercial real-estate exposure, and credit-cycle dynamics. Market sentiment reflects constructive analyst coverage for both ahead of earnings, with valuation differentials—lower P/E for FNB—representing the primary trade-off for investors weighing relative positioning.
Tickeron AI Verdict
Based on observable factors such as earnings momentum, capital-return announcements, and valuation positioning, Tickeron’s AI models currently assign a modestly higher probability of favorable near-term relative performance to FNB. The assessment rests on documented Q1 results, repurchase authorization, and upcoming earnings timing rather than forward projections. Market conditions and post-earnings reactions could alter this assessment, underscoring the probabilistic nature of any comparative evaluation.
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 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 2 FA rating(s) are green whileTCBI’s FA Score has 1 green FA rating(s).
- FNB’s FA Score: 2 green, 3 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 4 TA indicator(s) are bullish while TCBI’s TA Score has 3 bullish TA indicator(s).
- FNB’s TA Score: 4 bullish, 5 bearish.
- TCBI’s TA Score: 3 bullish, 5 bearish.
Price Growth
FNB (@Regional Banks) experienced а -1.25% price change this week, while TCBI (@Regional Banks) price change was -3.28% 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.
TCBI is expected to report earnings on Jul 22, 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 | TCBI | FNB / TCBI | |
| Capitalization | 6.74B | 4.45B | 151% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 12.325 | 12.740 | 97% |
| P/E Ratio | 11.69 | 13.71 | 85% |
| Revenue | 1.8B | 1.3B | 139% |
| Total Cash | 452M | 254M | 178% |
| Total Debt | 3.14B | 878M | 357% |
FNB | TCBI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 87 | 64 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 44 Fair valued | 76 Overvalued | |
PROFIT vs RISK RATING 1..100 | 32 | 39 | |
SMR RATING 1..100 | 21 | 24 | |
PRICE GROWTH RATING 1..100 | 47 | 50 | |
P/E GROWTH RATING 1..100 | 59 | 98 | |
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 (44) in the Regional Banks industry is in the same range as TCBI (76). This means that FNB’s stock grew similarly to TCBI’s over the last 12 months.
FNB's Profit vs Risk Rating (32) in the Regional Banks industry is in the same range as TCBI (39). This means that FNB’s stock grew similarly to TCBI’s over the last 12 months.
FNB's SMR Rating (21) 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 (47) in the Regional Banks industry is in the same range as TCBI (50). This means that FNB’s stock grew similarly to TCBI’s over the last 12 months.
FNB's P/E Growth Rating (59) 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 (%) | 1 day ago 76% | N/A |
| Stochastic ODDS (%) | 1 day ago 70% | 1 day ago 61% |
| Momentum ODDS (%) | 1 day ago 63% | 1 day ago 68% |
| MACD ODDS (%) | 1 day ago 57% | 1 day ago 73% |
| TrendWeek ODDS (%) | 1 day ago 60% | 1 day ago 65% |
| TrendMonth ODDS (%) | 1 day ago 52% | 1 day ago 62% |
| Advances ODDS (%) | 1 day ago 57% | 20 days ago 66% |
| Declines ODDS (%) | 7 days ago 56% | 1 day ago 62% |
| BollingerBands ODDS (%) | 1 day ago 61% | 1 day ago 63% |
| Aroon ODDS (%) | 1 day ago 43% | 1 day ago 62% |
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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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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% | -0.48% | ||
| SBCF - TCBI | 87% Closely correlated | +0.15% | ||
| FNB - TCBI | 86% Closely correlated | +0.53% | ||
| ONB - TCBI | 86% Closely correlated | +0.44% | ||
| ASB - TCBI | 85% Closely correlated | +0.56% | ||
| WTFC - TCBI | 85% Closely correlated | -0.01% | ||
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