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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
- FNB and ZION are both U.S. regional banks, but they differ sharply in geographic footprint, size, and efficiency.
- Zions Bancorporation is the larger institution by assets, revenue, and market capitalization, while F.N.B. Corporation operates on a more concentrated Mid-Atlantic and Southeast footprint.
- FNB has posted a stronger efficiency ratio and higher net interest margin (NIM), while ZION has delivered faster tangible book value growth.
- Both banks have expanded NIM through recent quarters and reported improving credit metrics, supporting investor confidence.
- Valuation diverges meaningfully: ZION trades at a lower earnings multiple but a higher price-to-book ratio than FNB.
Introduction
Regional banks occupy a pivotal niche in the U.S. financial system, funding small businesses, commercial real estate, and consumer lending. For traders and investors evaluating relative performance and market positioning, comparing FNB (F.N.B. Corporation) with ZION (Zions Bancorporation) offers a useful lens on how scale, geography, and operating discipline shape shareholder returns. Both companies are sensitive to interest-rate policy and credit conditions, making them natural peers within the same sector. This stock comparison examines their business models, recent momentum, and risk factors to help readers assess which institution presents the more compelling case in the current market environment.
FNB Overview and Recent Performance
F.N.B. Corporation is a Pittsburgh-based financial holding company operating through three segments: Community Banking, Wealth Management, and Insurance. Its flagship subsidiary, First National Bank of Pennsylvania, serves consumers, small- to mid-sized businesses, and commercial clients across the Mid-Atlantic and Southeast. In recent market activity, FNB has benefited from record fee-based revenue across several business lines and a steadily expanding net interest margin (NIM), a key measure of lending profitability. Management has emphasized cost discipline and automation, and the company's efficiency ratio has improved notably, signaling tighter expense control. Total assets crossed the $50 billion threshold in recent quarters, a scale milestone that carries additional regulatory attention but also reflects sustained balance-sheet growth. Asset quality has remained stable, with low net charge-offs and controlled delinquency levels supporting a resilient credit narrative.
ZION Overview and Recent Performance
Zions Bancorporation, National Association, is a Salt Lake City-headquartered bank operating seven regional banking brands across the western United States, including California, Texas, Colorado, and Utah. It provides commercial, retail, and wealth management services to more than a million customers. ZION has posted eight consecutive quarters of NIM expansion, aided by an improved funding mix and reduced reliance on higher-cost borrowings. Earnings per share (EPS) growth has been robust, and tangible book value per share has climbed at a rapid double-digit pace for several consecutive years. Credit quality has improved meaningfully, with net charge-offs falling sharply and provisions for credit losses declining. The company's efficiency ratio remains higher than many peers, reflecting its larger branch footprint and operational structure, but management has signaled progress toward positive operating leverage and potential increases in capital distributions.
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Head-to-Head Comparison
The two banks diverge most visibly on geography and scale. ZION's western U.S. footprint spans fast-growing markets and gives it a larger balance sheet and broader revenue base, while FNB's Mid-Atlantic and Southeast presence concentrates on a denser set of community and commercial relationships. On efficiency, FNB holds a clear edge: its efficiency ratio is materially lower than ZION's, meaning FNB spends less to generate each dollar of revenue. Conversely, ZION has delivered stronger tangible book value growth and trades at a lower price-to-earnings (P/E) multiple, suggesting the market applies a higher valuation premium to FNB's earnings stream. Risk factors also differ; both carry exposure to commercial real estate and interest-rate sensitivity, but their regional economies and loan mixes introduce distinct credit and funding dynamics that can influence relative performance across the cycle.
Tickeron AI Verdict
Based on observable factors such as trend consistency, stability, and relative positioning, Tickeron's AI would likely view both stocks as fundamentally improving, yet favor ZION for its sustained NIM expansion, rapid tangible book value growth, and improving credit profile, which together suggest a more consistent positive trend. That said, FNB's superior efficiency and lower price-to-book ratio present a counterbalancing case for value-oriented positioning. The verdict remains probabilistic rather than definitive; the relative attractiveness of either name will depend on the pace of interest-rate changes, regional credit conditions, and each company's execution on cost and capital-return initiatives.
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 Buy and ZION is a StrongBuy.
FNB in upward trend: 10-day moving average crossed above 50-day moving average on October 29, 2026
The 10-day moving average for FNB crossed bullishly above the 50-day moving average on October 29, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 11 of 16 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 69%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where FNB's RSI Oscillator exited the oversold zone, 15 of 24 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 62%.
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on FNB as a result. In 53 of 86 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 62%.
The Moving Average Convergence Divergence (MACD) for FNB just turned positive on October 15, 2026. Looking at past instances where FNB's MACD turned positive, the stock continued to rise in 25 of 42 cases over the following month. The odds of a continued upward trend are 60%.
FNB moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +2.94% 3-day Advance, the price is estimated to grow further. Considering data from situations where FNB advanced for three days, in 163 of 295 cases, the price rose further within the following month. The odds of a continued upward trend are 55%.
Bearish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 7 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where FNB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 58%.
FNB broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for FNB entered a downward trend on October 21, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 11 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 29 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 57, placing this stock better than average.
The Tickeron Price Growth Rating for this company is 47 (best 1 - 100 worst), indicating steady price growth. FNB’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 50 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 63 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.940) is normal, around the industry mean (1.258). P/E Ratio (10.686) is within average values for comparable stocks, (13.468). Projected Growth (PEG Ratio) (1.530) is also within normal values, averaging (1.190). Dividend Yield (0.029) settles around the average of (0.036) among similar stocks. P/S Ratio (3.524) is also within normal values, averaging (3.738).
ZION in upward trend: 10-day moving average moved above 50-day moving average on October 30, 2026
The 10-day moving average for ZION crossed bullishly above the 50-day moving average on October 30, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 13 of 17 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 76%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on ZION as a result. In 60 of 82 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 73%.
The Moving Average Convergence Divergence (MACD) for ZION just turned positive on October 08, 2026. Looking at past instances where ZION's MACD turned positive, the stock continued to rise in 34 of 49 cases over the following month. The odds of a continued upward trend are 69%.
ZION moved above its 50-day moving average on October 29, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +2.79% 3-day Advance, the price is estimated to grow further. Considering data from situations where ZION advanced for three days, in 215 of 332 cases, the price rose further within the following month. The odds of a continued upward trend are 65%.
The Aroon Indicator entered an Uptrend today. In 147 of 239 cases where ZION Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 62%.
Bearish Trend Analysis
The 10-day RSI Indicator for ZION moved out of overbought territory on October 23, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 37 similar instances where the indicator moved out of overbought territory. In 28 of the 37 cases, the stock moved lower in the following days. This puts the odds of a move lower at 76%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 43 of 66 cases where ZION's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 65%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ZION declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 70%.
ZION broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 9 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 46 (best 1 - 100 worst), indicating steady price growth. ZION’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 57 (best 1 - 100 worst), pointing to average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Valuation Rating of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.253) is normal, around the industry mean (1.258). P/E Ratio (8.327) is within average values for comparable stocks, (13.468). Projected Growth (PEG Ratio) (3.417) is also within normal values, averaging (1.190). Dividend Yield (0.029) settles around the average of (0.036) among similar stocks. P/S Ratio (2.573) is also within normal values, averaging (3.738).
The Tickeron Profit vs. Risk Rating rating for this company is 81 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. ZION’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 57, placing this stock worse than average.
FNB | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 63 Fair valued | 75 Overvalued | |
PROFIT vs RISK RATING 1..100 | 29 | 81 | |
SMR RATING 1..100 | 11 | 9 | |
PRICE GROWTH RATING 1..100 | 47 | 46 | |
P/E GROWTH RATING 1..100 | 50 | 57 | |
SEASONALITY SCORE 1..100 | 50 | n/a |
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 (63) in the Regional Banks industry is in the same range as ZION (75). This means that FNB’s stock grew similarly to ZION’s over the last 12 months.
FNB's Profit vs Risk Rating (29) in the Regional Banks industry is somewhat better than the same rating for ZION (81). This means that FNB’s stock grew somewhat faster than ZION’s over the last 12 months.
ZION's SMR Rating (9) in the Regional Banks industry is in the same range as FNB (11). This means that ZION’s stock grew similarly to FNB’s over the last 12 months.
ZION's Price Growth Rating (46) 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 (50) in the Regional Banks industry is in the same range as ZION (57). This means that FNB’s stock grew similarly to ZION’s over the last 12 months.
| FNB | ZION | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 63% | 4 days ago 76% |
| Stochastic ODDS (%) | 4 days ago 58% | 4 days ago 65% |
| Momentum ODDS (%) | 4 days ago 62% | 4 days ago 73% |
| MACD ODDS (%) | 4 days ago 60% | 4 days ago 69% |
| TrendWeek ODDS (%) | 4 days ago 60% | 4 days ago 65% |
| TrendMonth ODDS (%) | 4 days ago 50% | 4 days ago 62% |
| Advances ODDS (%) | 12 days ago 55% | 12 days ago 65% |
| Declines ODDS (%) | 6 days ago 58% | 6 days ago 70% |
| BollingerBands ODDS (%) | 4 days ago 66% | 4 days ago 67% |
| Aroon ODDS (%) | 4 days ago 59% | 4 days ago 62% |
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 overvalued. 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 while ZION’s FA Score has 1 green FA rating(s).
- FNB’s FA Score: 2 green, 3 red.
- ZION’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 6 TA indicator(s) are bullish while ZION’s TA Score has 6 bullish TA indicator(s).
- FNB’s TA Score: 6 bullish, 4 bearish.
- ZION’s TA Score: 6 bullish, 4 bearish.
Price Growth
FNB (@Regional Banks) experienced а -0.66% price change this week, while ZION (@Regional Banks) price change was -1.25% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.05%. For the same industry, the average monthly price growth was +0.76%, and the average quarterly price growth was +7.39%.
Reported Earning Dates
FNB is expected to report earnings on Jan 20, 2027.
ZION is expected to report earnings on Jan 26, 2027.
Industries' Descriptions
@Regional Banks (-0.05% 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.
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ZION and
Correlation & Price change
A.I.dvisor indicates that over the last year, ZION has been closely correlated with WTFC. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if ZION jumps, then WTFC could also see price increases.
| Ticker / NAME | Correlation To ZION | 1D Price Change % | ||
|---|---|---|---|---|
| ZION | 100% | -1.30% | ||
| WTFC - ZION | 88% Closely correlated | -1.14% | ||
| FNB - ZION | 87% Closely correlated | -1.42% | ||
| KEY - ZION | 87% Closely correlated | -1.72% | ||
| CFG - ZION | 86% Closely correlated | -2.19% | ||
| ONB - ZION | 86% Closely correlated | -0.55% | ||
More | ||||
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| MSFD | 9.82 | 0.15 | +1.55% |
| Direxion Daily MSFT Bear 1X ETF (MSFD) | |||
| GBIL | 100.21 | 0.06 | +0.06% |
| ACCESS TREASURY 0-1 YEAR ETF (GBIL) | |||
| FLCC | 36.05 | -0.58 | -1.59% |
| Federated Hermes MDT Large Cap Core ETF (FLCC) | |||
| MMSC | 26.45 | -0.76 | -2.79% |
| First Trust Multi-Manager Small Cap Opportunities ETF (MMSC) | |||
| IAUI | 44.98 | -1.58 | -3.39% |
| NEOS Gold High Income ETF (IAUI) | |||