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FNB vs ZION
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Zions Bancorporation, National Association (ZION) Stock Comparison
Key Takeaways
- F.N.B. Corporation (FNB) and Zions Bancorporation, National Association (ZION) are regional banks with similar exposure to interest rates and commercial lending, but ZION boasts a larger market capitalization of approximately $9.2 billion compared to FNB's $6.3 billion.
- Recent market activity shows FNB gaining about 8% over the past 30 days amid positive regional banking sentiment, while ZION has delivered stronger year-to-date returns around 8%.
- Both stocks offer comparable dividend yields near 3%, appealing to income-focused investors in a stabilizing rate environment.
- Quarterly results in recent weeks highlighted revenue growth for both—8.6% YoY for FNB and 6.1% for ZION—though both missed analyst expectations.
- Tickeron's AI models currently favor ZION due to trend consistency and relative ROE (return on equity) strength.
Introduction
This stock comparison examines FNB and ZION, two regional banks navigating a dynamic interest rate landscape and economic recovery. Both operate in the competitive U.S. banking sector, focusing on commercial lending, deposits, and community banking. Traders seeking short-term momentum plays and long-term investors eyeing dividend stability will find value in understanding their relative performance, risk profiles, and market positioning. With recent earnings revealing resilience amid margin pressures, this analysis highlights key contrasts to inform stock comparison decisions in today's market environment.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB) is a diversified financial services company headquartered in Pittsburgh, Pennsylvania, serving customers primarily in the Mid-Atlantic region through community banking, commercial loans, consumer banking, and wealth management. In recent market activity, FNB shares have traded around $17.70, reflecting an 8% rise over the past 30 days driven by broader regional bank optimism and anticipation of quarterly results. Sentiment has been bolstered by announcements of a new $250 million share repurchase program and steady net interest income (NII, revenue from interest-bearing assets minus interest expenses), despite Q1 revenue slightly missing estimates but growing 8.6% year-over-year. The stock's P/E ratio hovers near 11, with a market cap of about $6.3 billion, underscoring its position as a stable mid-cap player amid fluctuating deposit costs.
ZION Overview and Recent Performance
Zions Bancorporation, National Association (ZION) provides banking and related services across 11 western and southwestern U.S. states through brands like Zions Bank and Amegy Bank, emphasizing commercial banking, real estate loans, and treasury management. Shares have recently hovered near $62.60, with year-to-date gains around 8% amid a 44% one-year surge, supported by robust fee income growth. Recent weeks saw price stability post-earnings, where revenue increased 6.1% year-over-year to $849 million, though below expectations, reflecting ongoing NII pressures from higher funding costs. Trading at a P/E of about 9.7 and a $9.2 billion market cap, ZION benefits from diversified revenue streams and a 52-week range of $43.64 to $66.18, signaling resilience in volatile regional banking conditions.
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Head-to-Head Comparison
Both FNB and ZION follow similar business models as regional banks, deriving revenue from NII, fees, and loans, but differ in geographic footprints—FNB in the East versus ZION's West. Growth drivers include deposit expansion and loan demand, with ZION showing superior one-year momentum (44% vs. FNB's steadier path). Recent momentum favors FNB short-term, but ZION edges in ROE and YTD positioning. Risk factors like non-performing loans (NCO, net charge-offs) and rate sensitivity are comparable, though ZION's higher beta (1.33) implies greater volatility versus FNB's 1.02. Market sentiment tilts toward ZION for its scale and earnings resilience.
Tickeron AI Verdict
Tickeron’s AI currently favors ZION over FNB, citing stronger trend consistency, recent earnings outperformance relative to peers, elevated ROE, and better year-to-date relative positioning in the regional banking sector. While FNB offers stability, ZION appears positioned for higher probability of near-term upside amid stabilizing rates.
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 StrongBuy and ZION 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 1 FA rating(s) are green whileZION’s FA Score has 2 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- ZION’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 5 TA indicator(s) are bullish while ZION’s TA Score has 4 bullish TA indicator(s).
- FNB’s TA Score: 5 bullish, 4 bearish.
- ZION’s TA Score: 4 bullish, 4 bearish.
Price Growth
FNB (@Regional Banks) experienced а +5.37% price change this week, while ZION (@Regional Banks) price change was +6.36% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +3.72%. For the same industry, the average monthly price growth was +7.76%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
FNB is expected to report earnings on Jul 22, 2026.
ZION is expected to report earnings on Jul 20, 2026.
Industries' Descriptions
@Regional Banks (+3.72% 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 | ZION | FNB / ZION | |
| Capitalization | 6.64B | 9.89B | 67% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 10.604 | 16.586 | 64% |
| P/E Ratio | 11.51 | 10.44 | 110% |
| Revenue | 1.8B | 3.44B | 52% |
| Total Cash | 452M | 683M | 66% |
| Total Debt | 3.14B | 1.96B | 160% |
FNB | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 43 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 45 Fair valued | 58 Fair valued | |
PROFIT vs RISK RATING 1..100 | 36 | 76 | |
SMR RATING 1..100 | 20 | 13 | |
PRICE GROWTH RATING 1..100 | 46 | 17 | |
P/E GROWTH RATING 1..100 | 48 | 44 | |
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 (45) in the Regional Banks industry is in the same range as ZION (58). This means that FNB’s stock grew similarly to ZION’s over the last 12 months.
FNB's Profit vs Risk Rating (36) in the Regional Banks industry is somewhat better than the same rating for ZION (76). This means that FNB’s stock grew somewhat faster than ZION’s over the last 12 months.
ZION's SMR Rating (13) in the Regional Banks industry is in the same range as FNB (20). This means that ZION’s stock grew similarly to FNB’s over the last 12 months.
ZION's Price Growth Rating (17) in the Regional Banks industry is in the same range as FNB (46). This means that ZION’s stock grew similarly to FNB’s over the last 12 months.
ZION's P/E Growth Rating (44) in the Regional Banks industry is in the same range as FNB (48). This means that ZION’s stock grew similarly to FNB’s over the last 12 months.
| FNB | ZION | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 52% | 2 days ago 67% |
| Stochastic ODDS (%) | 2 days ago 52% | 2 days ago 63% |
| Momentum ODDS (%) | 2 days ago 62% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 71% | 2 days ago 70% |
| TrendWeek ODDS (%) | 2 days ago 57% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 51% | 2 days ago 64% |
| Advances ODDS (%) | 2 days ago 55% | 2 days ago 67% |
| Declines ODDS (%) | 13 days ago 57% | 17 days ago 68% |
| BollingerBands ODDS (%) | 2 days ago 73% | 2 days ago 63% |
| Aroon ODDS (%) | 2 days ago 60% | 2 days ago 61% |
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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% | +1.91% | ||
| ASB - FNB | 91% Closely correlated | +2.07% | ||
| ZION - FNB | 91% Closely correlated | +1.22% | ||
| ONB - FNB | 90% Closely correlated | +1.82% | ||
| WTFC - FNB | 89% Closely correlated | +2.18% | ||
| FULT - FNB | 89% Closely correlated | +1.59% | ||
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ZION and
Correlation & Price change
A.I.dvisor indicates that over the last year, ZION has been closely correlated with FNB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if ZION jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To ZION | 1D Price Change % | ||
|---|---|---|---|---|
| ZION | 100% | +1.22% | ||
| FNB - ZION | 91% Closely correlated | +1.91% | ||
| ONB - ZION | 88% Closely correlated | +1.82% | ||
| CFG - ZION | 88% Closely correlated | +1.71% | ||
| KEY - ZION | 87% Closely correlated | +1.66% | ||
| ASB - ZION | 87% Closely correlated | +2.07% | ||
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