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PNC vs RF
Which Stock Would AI Choose? The PNC Financial Services Group, Inc. (PNC) vs. Regions Financial Corporation (RF) Stock Comparison
Key Takeaways
- PNC reported Q1 2026 adjusted EPS of $4.32, beating estimates by 8%, with revenue up 13% year-over-year to $6.17 billion.
- RF posted Q1 2026 EPS of $0.62 and revenue growth of 5% to $1.9 billion, reflecting solid loan growth and improved credit metrics.
- PNC's year-to-date performance stands at 7.46%, outperforming RF's 5.54% amid recent market volatility in banking stocks.
- Both stocks offer attractive dividend yields, with RF at 3.74% higher than PNC's 3.08%, appealing to income-focused investors.
- PNC boasts a larger market cap of $89 billion versus RF's $24 billion, providing greater scale and diversification.
- Analyst targets suggest 14% upside for PNC (to $254) compared to 8% for RF (to $31), signaling stronger relative positioning.
Introduction
This stock comparison examines PNC and RF, two prominent regional banks navigating a dynamic interest rate environment and economic shifts. Both offer exposure to commercial and consumer banking, but differ in scale, geographic focus, and growth trajectories. Traders seeking short-term momentum and investors eyeing dividend stability or sector rotation will find value in analyzing their recent performance, earnings momentum, and risk profiles. With banking stocks sensitive to net interest income (NII, revenue from loans minus deposit costs) and credit quality, this head-to-head highlights relative strengths in the current market.
PNC Overview and Recent Performance
The PNC Financial Services Group, Inc., headquartered in Pittsburgh, operates as a diversified bank holding company with $560 billion in assets, serving retail, corporate, and asset management clients across the U.S. In recent market activity, PNC shares have traded around $221, up over 37% in the past year, with a 52-week range of $157 to $244. Q1 2026 results drove positive sentiment, featuring net income of $1.8 billion, adjusted EPS of $4.32 (beating estimates), and NII growth amid stable net interest margin (NIM, spread between interest earned and paid). Loan and deposit expansion, coupled with capital returns of $1.4 billion, bolstered confidence. Lower beta (0.96) reflects relative stability versus the market, though shares dipped slightly post-earnings on broader sector rotation.
RF Overview and Recent Performance
Regions Financial Corporation (RF), based in Birmingham, Alabama, focuses on banking in the Southeast and Midwest with $155 billion in assets, emphasizing commercial loans and deposits. Shares hover near $28, reflecting a 38% one-year gain within a 52-week range of $20 to $32. Recent weeks saw upward momentum following Q1 2026 earnings of $539 million net income and EPS of $0.62, with revenue up 5% year-over-year to $1.9 billion on loan growth and lower provisions for credit losses. NII rose 4.5%, supporting an ROE (return on equity, profitability measure) of 18%. Higher beta (1.04) indicates greater volatility, influenced by deposit cost pressures and regional economic exposure.
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Head-to-Head Comparison
Both PNC and RF thrive on NII in a high-rate backdrop, but PNC’s larger scale offers broader diversification via asset management ($130 billion AUM, assets under management) versus RF’s Southeast concentration. Growth drivers include PNC’s deposit inflows and M&A (mergers and acquisitions) potential like FirstBank, while RF emphasizes loan expansion. Recent momentum favors PNC with superior YTD gains and analyst upside, though RF’s lower PE (11.8 vs. 12.9) and higher yield suggest value. Risks involve NCOs (non-performing loans) and rate cuts pressuring NIMs, with RF’s higher beta amplifying volatility. Sentiment tilts positive for both post-earnings, but PNC edges on stability.
Tickeron AI Verdict
Tickeron’s AI models currently favor PNC over RF, driven by consistent earnings beats, stronger trend momentum, and lower relative risk via scale and beta. With better YTD performance and higher target upside, PNC shows probabilistic edge in stability amid banking sector pressures, though RF remains compelling for yield seekers.
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 PNC is a Hold and RF 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).
PNC’s FA Score shows that 1 FA rating(s) are green whileRF’s FA Score has 1 green FA rating(s).
- PNC’s FA Score: 1 green, 4 red.
- RF’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.
PNC’s TA Score shows that 6 TA indicator(s) are bullish while RF’s TA Score has 5 bullish TA indicator(s).
- PNC’s TA Score: 6 bullish, 4 bearish.
- RF’s TA Score: 5 bullish, 5 bearish.
Price Growth
PNC (@Regional Banks) experienced а -2.66% price change this week, while RF (@Regional Banks) price change was -4.11% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.14%. For the same industry, the average monthly price growth was +0.68%, and the average quarterly price growth was +16.32%.
Reported Earning Dates
PNC is expected to report earnings on Jul 15, 2026.
RF is expected to report earnings on Jul 17, 2026.
Industries' Descriptions
@Regional Banks (-1.14% 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.
| PNC | RF | PNC / RF | |
| Capitalization | 85.7B | 22.9B | 374% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 3.838 | -0.156 | -2,455% |
| P/E Ratio | 12.40 | 11.12 | 112% |
| Revenue | 23.8B | 7.62B | 313% |
| Total Cash | 6.78B | 3.11B | 218% |
| Total Debt | 66.7B | 5.14B | 1,298% |
PNC | RF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 74 | 80 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 74 Overvalued | 66 Overvalued | |
PROFIT vs RISK RATING 1..100 | 59 | 45 | |
SMR RATING 1..100 | 5 | 8 | |
PRICE GROWTH RATING 1..100 | 54 | 55 | |
P/E GROWTH RATING 1..100 | 51 | 48 | |
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.
RF's Valuation (66) in the Major Banks industry is in the same range as PNC (74). This means that RF’s stock grew similarly to PNC’s over the last 12 months.
RF's Profit vs Risk Rating (45) in the Major Banks industry is in the same range as PNC (59). This means that RF’s stock grew similarly to PNC’s over the last 12 months.
PNC's SMR Rating (5) in the Major Banks industry is in the same range as RF (8). This means that PNC’s stock grew similarly to RF’s over the last 12 months.
PNC's Price Growth Rating (54) in the Major Banks industry is in the same range as RF (55). This means that PNC’s stock grew similarly to RF’s over the last 12 months.
RF's P/E Growth Rating (48) in the Major Banks industry is in the same range as PNC (51). This means that RF’s stock grew similarly to PNC’s over the last 12 months.
| PNC | RF | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 69% | 2 days ago 66% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 69% |
| Momentum ODDS (%) | 2 days ago 47% | 2 days ago 59% |
| MACD ODDS (%) | 2 days ago 66% | 2 days ago 59% |
| TrendWeek ODDS (%) | 2 days ago 61% | 2 days ago 64% |
| TrendMonth ODDS (%) | 2 days ago 60% | 2 days ago 59% |
| Advances ODDS (%) | 10 days ago 55% | 10 days ago 62% |
| Declines ODDS (%) | 5 days ago 61% | 5 days ago 64% |
| BollingerBands ODDS (%) | 2 days ago 57% | 2 days ago 57% |
| Aroon ODDS (%) | 2 days ago 53% | 2 days ago 63% |
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