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BAC or FNB or RF
Which Stock Would AI Choose? Bank of America (BAC) vs. F.N.B. Corporation (FNB) vs. Regions Financial (RF) Stock Comparison
Key Takeaways
- BAC, a global banking giant with a $345B market cap, shows YTD gains of about 12% but trades at a P/E of 12.6 amid recent market pressures.
- FNB, a regional player with a $5.8B market cap, offers a higher dividend yield of 3% and strong 1-year returns of 24%, supported by loan growth.
- RF balances scale and yield at 4.1%, with a $22B market cap, 1-year gains of 24%, and robust ROTCE (return on tangible common equity, a profitability measure excluding intangibles) around 11-12%.
- All three banks face net interest income (NII, revenue from loans minus deposit costs) pressures, but regionals like FNB and RF show relative resilience in recent weeks.
- Valuations favor FNB and RF with lower P/E ratios (10.4 and 11.2) versus BAC's 12.6.
- Recent analyst sentiment leans positive for all, with price targets implying 20-25% upside potential across the trio.
Introduction
This stock comparison evaluates BAC, FNB, and RF—three banks spanning global and regional footprints—in the context of evolving interest rates and economic shifts. Investors seeking diversified stability may eye BAC, while those prioritizing yield and growth in community banking could favor FNB or RF. Traders focused on relative performance and valuation metrics will find contrasts in scale, dividends, and momentum amid recent market activity. This analysis draws on current financial data to highlight stock positioning for informed decision-making.
BAC Overview and Recent Performance
Bank of America (BAC) operates as a leading global bank holding company, providing consumer banking, wealth management, and investment services across segments like Global Banking and Global Markets. With a market cap exceeding $345 billion, it boasts diversified revenue streams, including substantial NII and fee income. In recent market activity, BAC shares have navigated volatility, posting YTD returns around 12% but facing pullbacks in recent weeks amid broader sector pressures on NIM (net interest margin, the spread between interest earned and paid). Key influences include analyst upgrades from firms like Jefferies and Wells Fargo, alongside settlements like the $72.5M Epstein-related case, which had minimal impact. Strong fundamentals persist, with ROTCE near 14% and a CET1 (Common Equity Tier 1, a key capital adequacy ratio) ratio supporting resilience. Sentiment reflects confidence in its scale amid economic uncertainty.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB) functions as a regional bank holding company, primarily through First National Bank of Pennsylvania, offering community banking, wealth management, and insurance in the Northeast and Mid-Atlantic. Its $5.8 billion market cap underscores a focused model on commercial lending and deposits, with assets surpassing $50 billion. Recent performance shows stability, with YTD gains of 5% and robust 1-year returns of 24%, bolstered by mid-single-digit loan and deposit growth guidance. Developments like municipal bond underwriting expansion and a $0.12 quarterly dividend highlight strategic diversification. Shares have held steady in recent weeks despite sector headwinds on NII, aided by a low P/E of 10.4 and 3% yield. Positive analyst revisions, including "Buy" ratings, reflect optimism in its ROTCE trajectory and regional deposit strength, fostering favorable sentiment.
RF Overview and Recent Performance
Regions Financial (RF) is a diversified regional bank serving the Southeast, Midwest, and Texas via consumer banking, commercial lending, and wealth management. At a $22 billion market cap, it balances scale with community focus, generating $7 billion in annual revenue. Recent weeks have seen shares consolidate after strong 1-year gains of 24% and YTD upticks near 4%, influenced by anticipation for Q1 earnings showing EPS growth. Key drivers include enhanced financial literacy initiatives and community engagement, alongside a 4.1% dividend yield. Fundamentals shine with 11.7% ROE (return on equity, profitability relative to shareholders' investment) and stable CET1 levels. Analyst upgrades to "Buy" and price target hikes underscore momentum, though NII sensitivity to rates tempers enthusiasm in choppy conditions.
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Head-to-Head Comparison
BAC’s global business model contrasts with the regional emphases of FNB and RF, offering broader diversification but higher exposure to macroeconomic swings. Growth drivers favor FNB’s loan expansion and RF’s Southeast footprint over BAC’s fee-heavy mix. Recent momentum tilts to regionals, with FNB and RF showing steadier holds amid YTD dips for BAC. Risk factors include NIM compression across all, amplified for smaller FNB by deposit competition. Sector exposure is purest in regionals, while BAC adds markets volatility. Valuation sensitivity highlights FNB (P/E 10.4, yield 3%) and RF (P/E 11.2, yield 4.1%) as cheaper trades versus BAC (P/E 12.6). Market sentiment prices regionals for upside amid rotation from megabanks.
Tickeron AI Verdict
Tickeron’s AI currently leans toward RF based on trend consistency in recent regional outperformance, superior dividend positioning, and relative valuation appeal. Its balanced catalysts—like earnings growth prospects and ROTCE stability—offer probabilistic edge over BAC’s scale amid volatility and FNB’s smaller footprint risks. This positioning suggests higher potential for near-term relative gains in the current environment.
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
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).
BAC’s FA Score shows that 2 FA rating(s) are green whileFNB’s FA Score has 1 green FA rating(s), and RF’s FA Score reflects 2 green FA rating(s).
- BAC’s FA Score: 2 green, 3 red.
- FNB’s FA Score: 1 green, 4 red.
- RF’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.
BAC’s TA Score shows that 6 TA indicator(s) are bullish while FNB’s TA Score has 6 bullish TA indicator(s), and RF’s TA Score reflects 6 bullish TA indicator(s).
- BAC’s TA Score: 6 bullish, 5 bearish.
- FNB’s TA Score: 6 bullish, 4 bearish.
- RF’s TA Score: 6 bullish, 4 bearish.
Price Growth
BAC (@Major Banks) experienced а +1.12% price change this week, while FNB (@Regional Banks) price change was +1.41% , and RF (@Regional Banks) price fluctuated +1.72% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +1.57%. For the same industry, the average monthly price growth was +9.71%, and the average quarterly price growth was +21.18%.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.39%. For the same industry, the average monthly price growth was +6.91%, and the average quarterly price growth was +19.69%.
Reported Earning Dates
BAC is expected to report earnings on Jul 14, 2026.
FNB is expected to report earnings on Jul 22, 2026.
RF is expected to report earnings on Jul 17, 2026.
Industries' Descriptions
@Major Banks (+1.57% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
@Regional Banks (+1.39% 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.
| BAC | FNB | RF | |
| Capitalization | 385B | 6.34B | 24.2B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | -1.355 | 5.659 | 5.469 |
| P/E Ratio | 13.42 | 11.01 | 11.75 |
| Revenue | 113B | 1.77B | 7.53B |
| Total Cash | 25.4B | 387M | 3.11B |
| Total Debt | 366B | 3.08B | 4.88B |
BAC | FNB | RF | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | 31 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 69 Overvalued | 64 Fair valued | 70 Overvalued | |
PROFIT vs RISK RATING 1..100 | 49 | 38 | 38 | |
SMR RATING 1..100 | 1 | 11 | 7 | |
PRICE GROWTH RATING 1..100 | 21 | 44 | 19 | |
P/E GROWTH RATING 1..100 | 42 | 50 | 38 | |
SEASONALITY SCORE 1..100 | 50 | 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 (64) in the Regional Banks industry is in the same range as BAC (69) in the Major Banks industry, and is in the same range as RF (70) in the Major Banks industry. This means that FNB's stock grew similarly to BAC’s and similarly to RF’s over the last 12 months.
FNB's Profit vs Risk Rating (38) in the Regional Banks industry is in the same range as RF (38) in the Major Banks industry, and is in the same range as BAC (49) in the Major Banks industry. This means that FNB's stock grew similarly to RF’s and similarly to BAC’s over the last 12 months.
BAC's SMR Rating (1) in the Major Banks industry is in the same range as RF (7) in the Major Banks industry, and is in the same range as FNB (11) in the Regional Banks industry. This means that BAC's stock grew similarly to RF’s and similarly to FNB’s over the last 12 months.
RF's Price Growth Rating (19) in the Major Banks industry is in the same range as BAC (21) in the Major Banks industry, and is in the same range as FNB (44) in the Regional Banks industry. This means that RF's stock grew similarly to BAC’s and similarly to FNB’s over the last 12 months.
RF's P/E Growth Rating (38) in the Major Banks industry is in the same range as BAC (42) in the Major Banks industry, and is in the same range as FNB (50) in the Regional Banks industry. This means that RF's stock grew similarly to BAC’s and similarly to FNB’s over the last 12 months.
| BAC | FNB | RF | |
|---|---|---|---|
| RSI ODDS (%) | 4 days ago 65% | 4 days ago 68% | 1 day ago 64% |
| Stochastic ODDS (%) | 4 days ago 66% | 4 days ago 59% | 1 day ago 61% |
| Momentum ODDS (%) | 4 days ago 71% | 4 days ago 66% | 1 day ago 63% |
| MACD ODDS (%) | 4 days ago 62% | 4 days ago 59% | 1 day ago 76% |
| TrendWeek ODDS (%) | 4 days ago 63% | 4 days ago 57% | 1 day ago 63% |
| TrendMonth ODDS (%) | 4 days ago 58% | 4 days ago 52% | 1 day ago 59% |
| Advances ODDS (%) | 12 days ago 61% | 12 days ago 53% | 1 day ago 62% |
| Declines ODDS (%) | 25 days ago 62% | 22 days ago 58% | 25 days ago 64% |
| BollingerBands ODDS (%) | 4 days ago 66% | 4 days ago 68% | 1 day ago 64% |
| Aroon ODDS (%) | 4 days ago 46% | 4 days ago 44% | 1 day ago 56% |
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FNB and
Correlation & Price change
A.I.dvisor indicates that over the last year, FNB has been closely correlated with ONB. These tickers have moved in lockstep 92% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNB jumps, then ONB could also see price increases.
| Ticker / NAME | Correlation To FNB | 1D Price Change % | ||
|---|---|---|---|---|
| FNB | 100% | +3.10% | ||
| ONB - FNB | 92% Closely correlated | +2.88% | ||
| ZION - FNB | 91% Closely correlated | +1.93% | ||
| ASB - FNB | 91% Closely correlated | +2.51% | ||
| WTFC - FNB | 90% Closely correlated | +2.02% | ||
| HWC - FNB | 90% Closely correlated | +2.97% | ||
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