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BAP or PNC or RF
Which Stock Would AI Choose? Credicorp Ltd (BAP) vs. The PNC Financial Services Group, Inc (PNC) vs. Regions Financial Corporation (RF) Stock Comparison
Key Takeaways
- BAP leads with superior long-term performance, boasting a 97% one-year return and 18% YTD gain, driven by strong earnings in Peruvian banking and diversification.
- PNC offers stability as a super-regional U.S. bank with $83B market cap, recent FirstBank acquisition boosting presence in growth markets, and consistent 3.3% dividend yield.
- RF provides attractive valuation at 11.4x P/E and 4% yield, supported by record wealth management income, though recent share pressure reflects sector headwinds.
- All three exhibit resilient regional banking models amid interest rate shifts, with BAP showing highest momentum but higher emerging market risk.
- PNC and RF trade at comparable P/E ratios around 12x, balancing growth and income in a competitive U.S. landscape.
- Recent market activity highlights relative strength in diversified financial services, with varying sensitivity to economic cycles.
Introduction
This stock comparison examines BAP, PNC, and RF, three prominent players in regional banking and financial services. BAP (Credicorp Ltd.) dominates in Latin America, while PNC (The PNC Financial Services Group, Inc.) and RF (Regions Financial Corporation) anchor U.S. markets with extensive branch networks. Investors seeking exposure to financial sector growth, dividend income, or emerging market upside will find value in analyzing their relative performance, valuations, and recent momentum. In the current environment of stabilizing rates and economic resilience, this head-to-head highlights key contrasts in business models and market positioning for informed trading and portfolio decisions.
BAP Overview and Recent Performance
Credicorp Ltd. (BAP), headquartered in Lima, Peru, is a leading financial services provider operating across universal banking, insurance, microfinance, and investment management in Peru and select Latin American markets. With a market cap of approximately $27B and a P/E ratio of 13.6x, it balances growth and profitability. Recent market activity has seen BAP deliver robust gains, including 18% YTD and nearly 97% over the past year, outperforming broader indices amid favorable regional economic recovery. Sentiment remains positive following strong Q4 2025 earnings with record net income, loan portfolio expansion, and board approvals for director nominees ahead of the 2026 AGM. Influences include Peru's improving macro conditions and diversified revenue streams, though emerging market volatility tempers gains in recent weeks.
PNC Overview and Recent Performance
The PNC Financial Services Group, Inc. (PNC), based in Pittsburgh, operates as a diversified U.S. financial services firm with $574B in assets, focusing on retail, corporate, and asset management through a coast-to-coast network. Trading at a $83B market cap and 12.4x P/E, it emphasizes stability with a 3.3% dividend yield. Recent performance reflects modest YTD gains around 1% and 21% over one year, pressured by sector rotation but supported by full-year 2025 net income of $7B. Key developments include the January 2026 completion of the FirstBank acquisition, adding $26B in assets and bolstering Colorado and Arizona footprints, alongside launches like the Monthly Consumer Health Check for real-time economic insights. Market sentiment benefits from expansion in high-growth regions and disciplined capital management, though recent weeks show pullbacks amid broader banking volatility.
RF Overview and Recent Performance
Regions Financial Corporation (RF), headquartered in Birmingham, Alabama, delivers banking, wealth management, and mortgage services across the U.S. South, Midwest, and Texas, with $160B in assets. At a $23B market cap and 11.4x P/E, it appeals for value with a 4% dividend yield. Shares have posted 2% YTD and 26% one-year returns, reflecting resilience despite recent dips. Recent highlights include 2025 full-year earnings of $2.1B (up 7% adjusted), record wealth and treasury management income, and a 6% revenue rise to $1.9B in Q4. Leadership transitions, such as the incoming CFO and investor relations head, signal focus on innovation and efficiency. Performance in recent market activity underscores deposit growth and capital strength (CET1 10.8%), tempered by competitive pressures and earnings misses.
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Head-to-Head Comparison
BAP, PNC, and RF operate in regional banking but diverge in geography and scale: BAP's Latin American focus drives higher growth (97% 1Y return) via microfinance and insurance, contrasting U.S.-centric PNC and RF's retail-commercial emphasis. Valuation-wise, RF appears cheapest at 11.4x P/E with 4% yield, versus PNC's 12.4x/3.3% and BAP's 13.6x/3.2%. Recent momentum favors BAP (18% YTD), while U.S. peers lag (1-2% YTD) amid acquisitions and fee growth. Risk profiles differ: BAP faces currency/emerging risks (beta 0.9), PNC offers scale stability (beta 1.0), and RF higher beta (1.0) with deposit sensitivity. Sector exposure tilts PNC toward corporate lending, boosting NIM resilience, while sentiment shifts reflect rate cut optimism favoring all but with trade-offs in volatility versus income.
Tickeron AI Verdict
Tickeron’s AI models currently favor BAP for its trend consistency, superior relative performance (97% 1Y, 18% YTD), and catalysts like earnings strength and diversification. While PNC and RF provide U.S. stability and yields, BAP's positioning suggests higher probability of outperformance in a growth-oriented environment, though monitored for regional risks.
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.
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 whilePNC’s FA Score has 2 green FA rating(s), and RF’s FA Score reflects 2 green FA rating(s).
- BAP’s FA Score: 2 green, 3 red.
- PNC’s FA Score: 2 green, 3 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.
BAP’s TA Score shows that 3 TA indicator(s) are bullish while PNC’s TA Score has 6 bullish TA indicator(s), and RF’s TA Score reflects 6 bullish TA indicator(s).
- BAP’s TA Score: 3 bullish, 6 bearish.
- PNC’s TA Score: 6 bullish, 4 bearish.
- RF’s TA Score: 6 bullish, 4 bearish.
Price Growth
BAP (@Regional Banks) experienced а -7.05% price change this week, while PNC (@Regional Banks) price change was +2.45% , and RF (@Regional Banks) price fluctuated +2.29% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.42%. For the same industry, the average monthly price growth was +6.88%, and the average quarterly price growth was +19.50%.
Reported Earning Dates
BAP is expected to report earnings on May 14, 2026.
PNC is expected to report earnings on Jul 15, 2026.
RF is expected to report earnings on Jul 17, 2026.
Industries' Descriptions
@Regional Banks (+1.42% 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 | PNC | RF | |
| Capitalization | 26.7B | 91.3B | 24.2B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 17.021 | 10.444 | 5.469 |
| P/E Ratio | 13.53 | 13.19 | 11.75 |
| Revenue | 23.3B | 23.1B | 7.53B |
| Total Cash | N/A | 6.78B | 3.11B |
| Total Debt | 23.5B | 57.1B | 4.88B |
BAP | PNC | RF | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 77 Overvalued | 69 Overvalued | |
PROFIT vs RISK RATING 1..100 | 6 | 53 | 39 | |
SMR RATING 1..100 | 5 | 5 | 7 | |
PRICE GROWTH RATING 1..100 | 42 | 18 | 19 | |
P/E GROWTH RATING 1..100 | 34 | 41 | 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.
RF's Valuation (69) in the Major Banks industry is in the same range as BAP (72) in the Regional Banks industry, and is in the same range as PNC (77) in the Major Banks industry. This means that RF's stock grew similarly to BAP’s and similarly to PNC’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 RF (39) in the Major Banks industry, and is somewhat better than the same rating for PNC (53) in the Major Banks industry. This means that BAP's stock grew somewhat faster than RF’s and somewhat faster than PNC’s over the last 12 months.
BAP's SMR Rating (5) in the Regional Banks industry is in the same range as PNC (5) in the Major Banks industry, and is in the same range as RF (7) in the Major Banks industry. This means that BAP's stock grew similarly to PNC’s and similarly to RF’s over the last 12 months.
PNC's Price Growth Rating (18) in the Major Banks industry is in the same range as RF (19) in the Major Banks industry, and is in the same range as BAP (42) in the Regional Banks industry. This means that PNC's stock grew similarly to RF’s and similarly to BAP’s over the last 12 months.
BAP's P/E Growth Rating (34) 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 PNC (41) in the Major Banks industry. This means that BAP's stock grew similarly to RF’s and similarly to PNC’s over the last 12 months.
| BAP | PNC | RF | |
|---|---|---|---|
| RSI ODDS (%) | N/A | 4 days ago 58% | 4 days ago 64% |
| Stochastic ODDS (%) | 4 days ago 67% | 4 days ago 62% | 4 days ago 63% |
| Momentum ODDS (%) | 4 days ago 61% | 4 days ago 64% | 4 days ago 64% |
| MACD ODDS (%) | 4 days ago 57% | 4 days ago 56% | 4 days ago 64% |
| TrendWeek ODDS (%) | 4 days ago 61% | 4 days ago 55% | 4 days ago 63% |
| TrendMonth ODDS (%) | 4 days ago 60% | 4 days ago 51% | 4 days ago 59% |
| Advances ODDS (%) | 12 days ago 69% | 12 days ago 55% | 4 days ago 62% |
| Declines ODDS (%) | 6 days ago 61% | 22 days ago 62% | 25 days ago 64% |
| BollingerBands ODDS (%) | 4 days ago 50% | 4 days ago 65% | 4 days ago 55% |
| Aroon ODDS (%) | 4 days ago 59% | 4 days ago 47% | 4 days ago 56% |
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PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with CFG. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then CFG could also see price increases.
RF and
Correlation & Price change
A.I.dvisor indicates that over the last year, RF has been closely correlated with KEY. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if RF jumps, then KEY could also see price increases.