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BAP or HBAN or ZION
Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Huntington Bancshares Incorporated (HBAN) vs. Zions Bancorporation, National Association (ZION) Stock Comparison
Key Takeaways
- BAP leads with strong YTD return of 14.84% and 91.41% over one year, driven by robust earnings and Peruvian market growth, trading at a P/E of 13.30.
- HBAN offers scale with $32.72B market cap and 3.85% dividend yield, but YTD performance at 7.09% reflects merger integration pressures in U.S. regional banking.
- ZION appears undervalued at P/E 9.28 and $8.25B market cap, with steady 3.23% yield, though recent leadership changes introduce operational uncertainty.
- All three regional banks show attractive yields above 3%, lower betas under 1.0 indicating relative stability versus broader market volatility.
- BAP's international diversification contrasts HBAN and ZION's U.S.-focused exposure, impacting relative performance amid shifting interest rates.
- Recent market activity highlights BAP's momentum from Q4 earnings, while U.S. peers face sector headwinds.
Introduction
This stock comparison examines BAP, HBAN, and ZION, three regional banks representing diverse geographic footprints in financial services. BAP operates primarily in Latin America, while HBAN and ZION focus on U.S. markets. Investors seeking exposure to banking sector stability, dividend income, or growth potential amid interest rate fluctuations and economic shifts will find value in analyzing their relative performance, valuations, and market positioning. This review draws on recent financial data to highlight contrasts in momentum, risk, and catalysts.
BAP Overview and Recent Performance
Credicorp Ltd. (BAP) is a leading financial services holding company headquartered in Lima, Peru, operating through universal banking, insurance, microfinance, and investment segments across Latin America. In recent market activity, BAP shares have shown resilience, with a YTD return of 14.84% and 91.41% over one year, trading around $329.60. The stock's market cap stands at $26.16B, with a P/E ratio of 13.30 and beta of 0.90. Sentiment has been bolstered by Q4 2025 earnings highlighting record net income and loan growth outlook, alongside director nominees for the 2026 AGM. Broader strength in Peruvian economic recovery and diversified revenue streams have driven outperformance versus U.S. peers, though currency risks temper gains.
HBAN Overview and Recent Performance
Huntington Bancshares Incorporated (HBAN) is a regional bank holding company based in Columbus, Ohio, providing commercial, consumer, and mortgage banking services across the Midwest and South. Shares recently traded near $16.12, with a YTD return of 7.09% and 10.61% over one year, supported by a $32.72B market cap, P/E of 11.60, beta of 0.97, and 3.85% dividend yield. Recent weeks have featured merger developments with Cadence Bank, expanding Southern reach, alongside presentations at financial conferences. While integration execution influences sentiment, steady deposit growth and analyst target raises reflect confidence in inorganic expansion amid U.S. regional banking dynamics.
ZION Overview and Recent Performance
Zions Bancorporation, National Association (ZION) operates community-focused banks across 11 Western U.S. states, emphasizing commercial and public finance services. Trading around $55.78, the stock posts a YTD return of 4.03% and 14.95% over one year, with an $8.25B market cap, P/E of 9.28, beta of 0.82, and 3.23% yield. Recent activity includes technology leadership changes and Greenwich awards, amid share price weakness. Operational enhancements and conference presentations underscore efforts to navigate sector pressures, with lower beta signaling reduced volatility relative to peers.
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Head-to-Head Comparison
BAP, HBAN, and ZION operate in regional banking but diverge in scale and exposure: BAP's Latin American diversification fuels superior growth drivers like loan expansion, contrasting U.S. peers' domestic focus amid rate sensitivity. Valuation-wise, ZION's 9.28 P/E suggests a discount versus HBAN (11.60) and BAP (13.30), trading at lower multiples despite comparable yields. Recent momentum favors BAP's 14.84% YTD, while HBAN leverages mergers for deposits and ZION emphasizes Western commercial lending. Risks include BAP's EM currency exposure, HBAN's integration costs, and ZION's operational transitions; sentiment tilts positive on BAP's earnings catalysts versus U.S. sector caution.
Tickeron AI Verdict
Tickeron’s AI models currently favor BAP due to its trend consistency, standout relative positioning with 91% one-year gains, and catalysts from earnings growth and diversification. While HBAN offers scale and ZION value appeal, BAP's lower beta and momentum edge suggest higher probability of outperformance in the near term, contingent on sustained regional stability.
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).
BAP’s FA Score shows that 2 FA rating(s) are green whileHBAN’s FA Score has 1 green FA rating(s), and ZION’s FA Score reflects 2 green FA rating(s).
- BAP’s FA Score: 2 green, 3 red.
- HBAN’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.
BAP’s TA Score shows that 3 TA indicator(s) are bullish while HBAN’s TA Score has 7 bullish TA indicator(s), and ZION’s TA Score reflects 6 bullish TA indicator(s).
- BAP’s TA Score: 3 bullish, 6 bearish.
- HBAN’s TA Score: 7 bullish, 4 bearish.
- ZION’s TA Score: 6 bullish, 3 bearish.
Price Growth
BAP (@Regional Banks) experienced а -5.00% price change this week, while HBAN (@Regional Banks) price change was +2.87% , and ZION (@Regional Banks) price fluctuated +2.75% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.58%. For the same industry, the average monthly price growth was +6.76%, and the average quarterly price growth was +20.92%.
Reported Earning Dates
BAP is expected to report earnings on May 14, 2026.
HBAN is expected to report earnings on Apr 23, 2026.
ZION is expected to report earnings on Apr 20, 2026.
Industries' Descriptions
@Regional Banks (+1.58% 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.
| BAP | HBAN | ZION | |
| Capitalization | 26.3B | 34.3B | 9.23B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 15.659 | -1.894 | 7.930 |
| P/E Ratio | 13.17 | 12.12 | 10.44 |
| Revenue | 23.3B | 8.13B | 3.39B |
| Total Cash | N/A | 1.78B | 771M |
| Total Debt | 23.5B | 18.5B | 3.47B |
BAP | HBAN | ZION | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 73 | 22 | 38 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 76 Overvalued | 87 Overvalued | |
PROFIT vs RISK RATING 1..100 | 6 | 62 | 76 | |
SMR RATING 1..100 | 5 | 7 | 9 | |
PRICE GROWTH RATING 1..100 | 42 | 48 | 15 | |
P/E GROWTH RATING 1..100 | 34 | 46 | 45 | |
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.
BAP's Valuation (72) in the Regional Banks industry is in the same range as HBAN (76) and is in the same range as ZION (87). This means that BAP's stock grew similarly to HBAN’s and similarly to ZION’s over the last 12 months.
BAP's Profit vs Risk Rating (6) in the Regional Banks industry is somewhat better than the same rating for HBAN (62) and is significantly better than the same rating for ZION (76). This means that BAP's stock grew somewhat faster than HBAN’s and significantly faster than ZION’s over the last 12 months.
BAP's SMR Rating (5) in the Regional Banks industry is in the same range as HBAN (7) and is in the same range as ZION (9). This means that BAP's stock grew similarly to HBAN’s and similarly to ZION’s over the last 12 months.
ZION's Price Growth Rating (15) in the Regional Banks industry is in the same range as BAP (42) and is somewhat better than the same rating for HBAN (48). This means that ZION's stock grew similarly to BAP’s and somewhat faster than HBAN’s over the last 12 months.
BAP's P/E Growth Rating (34) in the Regional Banks industry is in the same range as ZION (45) and is in the same range as HBAN (46). This means that BAP's stock grew similarly to ZION’s and similarly to HBAN’s over the last 12 months.
| BAP | HBAN | ZION | |
|---|---|---|---|
| RSI ODDS (%) | N/A | 3 days ago 70% | 3 days ago 67% |
| Stochastic ODDS (%) | 3 days ago 67% | 3 days ago 64% | 3 days ago 73% |
| Momentum ODDS (%) | 3 days ago 61% | 3 days ago 61% | 3 days ago 72% |
| MACD ODDS (%) | 3 days ago 57% | 3 days ago 62% | 3 days ago 75% |
| TrendWeek ODDS (%) | 3 days ago 61% | 3 days ago 61% | 3 days ago 67% |
| TrendMonth ODDS (%) | 3 days ago 60% | 3 days ago 58% | 3 days ago 63% |
| Advances ODDS (%) | 11 days ago 69% | 11 days ago 62% | 5 days ago 65% |
| Declines ODDS (%) | 5 days ago 61% | 21 days ago 62% | N/A |
| BollingerBands ODDS (%) | 3 days ago 50% | 3 days ago 65% | 3 days ago 64% |
| Aroon ODDS (%) | 3 days ago 59% | 3 days ago 54% | 3 days ago 64% |
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|---|---|---|---|
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| SLYV | 101.75 | 1.81 | +1.81% |
| State Street® SPDR® S&P 600™ Sm CpValETF | |||
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| RFM | 14.41 | 0.11 | +0.77% |
| RiverNorth Flexible Municipal Income Fund | |||
| PHLLF | 4.14 | N/A | N/A |
| PETERSHILL PARTNERS PLC. | |||
| KLXY | 26.44 | N/A | N/A |
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BAP and
Correlation & Price change
A.I.dvisor indicates that over the last year, BAP has been closely correlated with IFS. These tickers have moved in lockstep 70% of the time. This A.I.-generated data suggests there is a high statistical probability that if BAP jumps, then IFS could also see price increases.
| Ticker / NAME | Correlation To BAP | 1D Price Change % | ||
|---|---|---|---|---|
| BAP | 100% | -2.43% | ||
| IFS - BAP | 70% Closely correlated | N/A | ||
| BSAC - BAP | 51% Loosely correlated | +0.73% | ||
| ITUB - BAP | 50% Loosely correlated | +0.54% | ||
| BBD - BAP | 48% Loosely correlated | +1.45% | ||
| CIB - BAP | 47% Loosely correlated | -2.60% | ||
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