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FNB vs ZION
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Zions Bancorporation (ZION) Stock Comparison
Key Takeaways
- F.N.B. Corporation (FNB) and Zions Bancorporation (ZION) are both regional banking institutions with exposure to commercial and consumer lending markets.
- Recent market activity shows both stocks navigating interest rate environments and regional economic conditions, with relative performance influenced by net interest income trends and loan growth.
- Sector sentiment for regional banks remains mixed amid broader financial sector dynamics and regulatory considerations.
- F.N.B. Corporation (FNB) maintains a diversified geographic footprint across multiple states, while Zions Bancorporation (ZION) focuses on western and southwestern U.S. markets.
- Key differentiators include balance sheet composition, capital ratios such as Common Equity Tier 1 (CET1), and sensitivity to commercial real estate exposure.
- Both tickers exhibit varying levels of volatility tied to macroeconomic indicators and earnings reports released in recent weeks.
Introduction
Regional bank stocks such as F.N.B. Corporation (FNB) and Zions Bancorporation (ZION) often attract attention from investors seeking exposure to domestic lending and deposit-gathering activities. This comparison examines how the two companies have performed amid evolving interest rate outlooks, credit quality metrics, and regional economic indicators. Portfolio managers, sector-focused traders, and long-term investors evaluating financial services allocations may find the relative positioning of these tickers useful for assessing diversification within the banking industry.
F.N.B. Corporation (FNB) Overview and Recent Performance
F.N.B. Corporation (FNB) operates as a diversified financial services holding company offering commercial banking, wealth management, and insurance services primarily in the Mid-Atlantic, Southeastern, and Midwestern United States. In recent weeks, the stock has reflected broader regional bank sector movements influenced by net interest margin pressures and loan origination volumes. Market participants have monitored developments around deposit stability and commercial loan demand, which have shaped sentiment during the period. Overall price behavior has aligned with peers responding to macroeconomic data releases and Federal Reserve commentary on monetary policy.
Zions Bancorporation (ZION) Overview and Recent Performance
Zions Bancorporation (ZION) provides a range of banking and financial services with a primary emphasis on commercial, real estate, and consumer lending across western and southwestern states. Recent market activity for the ticker has been shaped by similar industry factors, including interest rate sensitivity and credit metrics. Investors have focused on asset quality indicators and regional economic trends affecting loan portfolios. Stock movement during recent weeks has generally tracked sector sentiment while responding to company-specific updates on earnings and capital management.
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Head-to-Head Comparison
F.N.B. Corporation (FNB) and Zions Bancorporation (ZION) share core business models centered on traditional banking activities yet differ in geographic concentration and loan portfolio composition. F.N.B. Corporation (FNB) benefits from a broader multi-state presence that may provide relative stability across economic cycles, whereas Zions Bancorporation (ZION) maintains deeper exposure to specific western markets that can amplify both opportunities and regional risks. Recent momentum for both has been tied to net interest income (NII) trends and credit quality, though capital positions measured by metrics such as Common Equity Tier 1 (CET1) ratios offer points of contrast. Risk factors include commercial real estate concentrations and sensitivity to interest rate changes, with market sentiment reflecting ongoing sector rotation within financials. Trade-offs center on diversification versus focused regional expertise.
Tickeron AI Verdict
Based on observable factors such as trend consistency, balance sheet stability indicators, and relative positioning within the regional banking sector, Tickeron’s AI would currently assign a modestly higher probabilistic preference to F.N.B. Corporation (FNB) due to its diversified footprint potentially supporting more consistent performance across varying conditions. This assessment draws from recent market activity patterns rather than forward projections and remains subject to evolving data.
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 ZION 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 whileZION’s FA Score has 2 green FA rating(s).
- FNB’s FA Score: 2 green, 3 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 3 TA indicator(s) are bullish while ZION’s TA Score has 3 bullish TA indicator(s).
- FNB’s TA Score: 3 bullish, 4 bearish.
- ZION’s TA Score: 3 bullish, 5 bearish.
Price Growth
FNB (@Regional Banks) experienced а -3.18% price change this week, while ZION (@Regional Banks) price change was -5.66% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.13%. For the same industry, the average monthly price growth was +2.88%, and the average quarterly price growth was +14.56%.
Reported Earning Dates
FNB is expected to report earnings on Oct 15, 2026.
ZION is expected to report earnings on Oct 19, 2026.
Industries' Descriptions
@Regional Banks (-0.13% 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 | 6.72B | 10.1B | 67% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 11.969 | 19.897 | 60% |
| P/E Ratio | 11.23 | 8.81 | 127% |
| Revenue | 1.8B | 3.44B | 52% |
| Total Cash | 452M | 683M | 66% |
| Total Debt | 3.14B | 1.96B | 160% |
FNB | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 30 | 71 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 43 Fair valued | 61 Fair valued | |
PROFIT vs RISK RATING 1..100 | 32 | 70 | |
SMR RATING 1..100 | 21 | 13 | |
PRICE GROWTH RATING 1..100 | 47 | 21 | |
P/E GROWTH RATING 1..100 | 59 | 65 | |
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 (43) in the Regional Banks industry is in the same range as ZION (61). This means that FNB’s stock grew similarly to ZION’s over the last 12 months.
FNB's Profit vs Risk Rating (32) in the Regional Banks industry is somewhat better than the same rating for ZION (70). 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 (21). This means that ZION’s stock grew similarly to FNB’s over the last 12 months.
ZION's Price Growth Rating (21) in the Regional Banks industry is in the same range as FNB (47). This means that ZION’s stock grew similarly to FNB’s over the last 12 months.
FNB's P/E Growth Rating (59) in the Regional Banks industry is in the same range as ZION (65). This means that FNB’s stock grew similarly to ZION’s over the last 12 months.
| FNB | ZION | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 70% | 1 day ago 69% |
| Stochastic ODDS (%) | 1 day ago 63% | 1 day ago 73% |
| Momentum ODDS (%) | 1 day ago 67% | 1 day ago 67% |
| MACD ODDS (%) | 1 day ago 54% | 1 day ago 55% |
| TrendWeek ODDS (%) | 1 day ago 60% | 1 day ago 63% |
| TrendMonth ODDS (%) | 1 day ago 53% | 1 day ago 64% |
| Advances ODDS (%) | 9 days ago 57% | 9 days ago 69% |
| Declines ODDS (%) | 5 days ago 56% | 4 days ago 67% |
| BollingerBands ODDS (%) | N/A | 1 day ago 60% |
| Aroon ODDS (%) | 1 day ago 44% | 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 ZION. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNB jumps, then ZION could also see price increases.
| Ticker / NAME | Correlation To FNB | 1D Price Change % | ||
|---|---|---|---|---|
| FNB | 100% | +0.05% | ||
| ZION - FNB | 90% Closely correlated | -1.30% | ||
| ASB - FNB | 90% Closely correlated | -1.43% | ||
| ONB - FNB | 90% Closely correlated | -1.06% | ||
| WTFC - FNB | 89% Closely correlated | -0.48% | ||
| HWC - FNB | 87% Closely correlated | -0.94% | ||
More | ||||
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 90% 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% | -1.30% | ||
| FNB - ZION | 90% Closely correlated | +0.05% | ||
| ONB - ZION | 88% Closely correlated | -1.06% | ||
| KEY - ZION | 87% Closely correlated | -1.69% | ||
| CFG - ZION | 87% Closely correlated | -0.88% | ||
| ASB - ZION | 86% Closely correlated | -1.43% | ||
More | ||||