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FNB or HBAN or PNC
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Huntington Bancshares Incorporated (HBAN) vs. The PNC Financial Services Group, Inc. (PNC) Stock Comparison
Key Takeaways
- FNB, HBAN, and PNC are regional banks showing resilience amid sector pressures, with YTD declines of around 3-12% but positive 1-year returns of 9-21%.
- PNC leads in scale with $81B market cap and record Q4 revenue growth of 9%, while FNB and HBAN focus on digital expansion and acquisitions.
- All three offer attractive dividend yields near 3-4%, with P/E ratios of 10-12x indicating reasonable valuations relative to peers.
- Recent market activity reflects interest rate sensitivity, with HBAN pressured by merger integrations and PNC buoyed by strong NII growth.
- FNB stands out for Q4 earnings beats and digital eStore enhancements driving 300% online application surge.
Introduction
This comparison examines FNB, HBAN, and PNC, three regional banking stocks navigating a dynamic market shaped by interest rate shifts, loan growth, and digital transformation. These institutions serve consumers, businesses, and governments across the Midwest, Mid-Atlantic, and Southeast, offering insights into relative performance for dividend-focused investors, growth-oriented traders, and those eyeing sector consolidation. With strong Q4 earnings across the board and focus on fee income diversification, this analysis highlights stock comparison metrics like momentum, valuation, and catalysts in recent market activity.
FNB Overview and Recent Performance
FNB, or F.N.B. Corporation, is a diversified financial holding company headquartered in Pittsburgh, providing community banking, wealth management, and insurance through branches in Pennsylvania, Ohio, and surrounding states. With assets over $50 billion, it emphasizes commercial lending, consumer deposits, and digital innovation. In recent weeks, FNB shares have traded around $16, reflecting YTD declines amid regional bank sector pressures but up 16% over one year. Q4 2025 earnings beat estimates with operating EPS of $0.50, record revenue of $1.8 billion for the year, and tangible book value growth of 13%. Sentiment has been influenced by eStore expansions boosting online applications over 300% and awards for client service, supporting positive operating leverage despite rate sensitivity.
HBAN Overview and Recent Performance
Huntington Bancshares Incorporated (HBAN), based in Columbus, Ohio, operates The Huntington National Bank, delivering commercial, consumer, and mortgage services across the Midwest and Southeast with nearly $280 billion in assets post-mergers. Recent market activity saw shares near $15, down 11-12% YTD and 9-13% over one month, pressured by sector volatility. Q4 earnings of $0.37 missed estimates slightly, though full-year growth persisted via acquisitions like Cadence Bank and Veritex, expanding to 1,400 branches. Performance reflects integration costs and deposit growth in high-growth Texas markets, with net interest income up amid loan expansion. Analyst targets around $20-21 underscore optimism for 2027 EPS, balancing merger-driven scale against expense pressures.
PNC Overview and Recent Performance
The PNC Financial Services Group, Inc. (PNC), a Pittsburgh-based diversified firm, offers banking, lending, and asset management across 27 states with $560 billion in assets. Shares around $201 have dipped 3-4% YTD and 12% monthly, yet gained 16% yearly. Q4 2025 delivered record $6.1 billion revenue, up 9%, with EPS of $4.88 beating forecasts and net income of $7 billion annually. Influences include 6% NII growth, capital markets fees, and expansions like Nashville branches and FirstBank acquisition tripling Colorado presence. Stable outlook for 2026, driven by commercial lending and deposit inflows, bolsters sentiment despite broader rate and CRE concerns.
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Head-to-Head Comparison
FNB ($6B market cap) emphasizes community banking in the Mid-Atlantic with digital focus, contrasting HBAN ($31B)'s aggressive M&A for Southern/Midwest scale and PNC ($81B)'s national diversified model. Growth drivers include FNB's fee-based records, HBAN's deposit/loan surges post-mergers, and PNC's NII expansion. Recent momentum favors PNC on earnings beats, while all face rate risks; FNB shows lowest P/E (~10x) sensitivity. Sector exposure is similar (regional lending), but HBAN risks integration, PNC CRE stability. Yields cluster at 3%, with sentiment tilting to scale advantages.
Tickeron AI Verdict
Tickeron’s AI currently favors PNC due to superior trend consistency in revenue growth, earnings stability, and catalysts like acquisitions amid relative outperformance. Its larger scale and NIM expansion position it probabilistically stronger versus FNB's digital momentum and HBAN's merger risks, though all merit monitoring in regional bank rotation.
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).
FNB’s FA Score shows that 1 FA rating(s) are green whileHBAN’s FA Score has 1 green FA rating(s), and PNC’s FA Score reflects 2 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- HBAN’s FA Score: 1 green, 4 red.
- PNC’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.
FNB’s TA Score shows that 6 TA indicator(s) are bullish while HBAN’s TA Score has 7 bullish TA indicator(s), and PNC’s TA Score reflects 6 bullish TA indicator(s).
- FNB’s TA Score: 6 bullish, 4 bearish.
- HBAN’s TA Score: 7 bullish, 4 bearish.
- PNC’s TA Score: 6 bullish, 4 bearish.
Price Growth
FNB (@Regional Banks) experienced а +1.41% price change this week, while HBAN (@Regional Banks) price change was +2.87% , and PNC (@Regional Banks) price fluctuated +2.45% 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
FNB is expected to report earnings on Jul 22, 2026.
HBAN is expected to report earnings on Apr 23, 2026.
PNC is expected to report earnings on Jul 15, 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.
| FNB | HBAN | PNC | |
| Capitalization | 6.38B | 34.3B | 90.4B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 5.659 | -1.894 | 9.364 |
| P/E Ratio | 11.07 | 12.12 | 13.06 |
| Revenue | 1.77B | 8.13B | 23.1B |
| Total Cash | 387M | 1.78B | 6.78B |
| Total Debt | 3.08B | 18.5B | 57.1B |
FNB | HBAN | PNC | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 26 | 15 | 18 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 64 Fair valued | 76 Overvalued | 77 Overvalued | |
PROFIT vs RISK RATING 1..100 | 38 | 62 | 53 | |
SMR RATING 1..100 | 11 | 7 | 5 | |
PRICE GROWTH RATING 1..100 | 45 | 49 | 23 | |
P/E GROWTH RATING 1..100 | 50 | 46 | 41 | |
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 HBAN (76) in the Regional Banks industry, and is in the same range as PNC (77) in the Major Banks industry. This means that FNB's stock grew similarly to HBAN’s and similarly to PNC’s over the last 12 months.
FNB's Profit vs Risk Rating (38) in the Regional Banks industry is in the same range as PNC (53) in the Major Banks industry, and is in the same range as HBAN (62) in the Regional Banks industry. This means that FNB's stock grew similarly to PNC’s and similarly to HBAN’s over the last 12 months.
PNC's SMR Rating (5) in the Major Banks industry is in the same range as HBAN (7) in the Regional Banks industry, and is in the same range as FNB (11) in the Regional Banks industry. This means that PNC's stock grew similarly to HBAN’s and similarly to FNB’s over the last 12 months.
PNC's Price Growth Rating (23) in the Major Banks industry is in the same range as FNB (45) in the Regional Banks industry, and is in the same range as HBAN (49) in the Regional Banks industry. This means that PNC's stock grew similarly to FNB’s and similarly to HBAN’s over the last 12 months.
PNC's P/E Growth Rating (41) in the Major Banks industry is in the same range as HBAN (46) in the Regional Banks industry, and is in the same range as FNB (50) in the Regional Banks industry. This means that PNC's stock grew similarly to HBAN’s and similarly to FNB’s over the last 12 months.
| FNB | HBAN | PNC | |
|---|---|---|---|
| RSI ODDS (%) | 2 days ago 68% | 2 days ago 70% | 2 days ago 58% |
| Stochastic ODDS (%) | 2 days ago 59% | 2 days ago 64% | 2 days ago 62% |
| Momentum ODDS (%) | 2 days ago 66% | 2 days ago 61% | 2 days ago 64% |
| MACD ODDS (%) | 2 days ago 59% | 2 days ago 62% | 2 days ago 56% |
| TrendWeek ODDS (%) | 2 days ago 57% | 2 days ago 61% | 2 days ago 55% |
| TrendMonth ODDS (%) | 2 days ago 52% | 2 days ago 58% | 2 days ago 51% |
| Advances ODDS (%) | 10 days ago 53% | 10 days ago 62% | 10 days ago 55% |
| Declines ODDS (%) | 20 days ago 58% | 20 days ago 62% | 20 days ago 62% |
| BollingerBands ODDS (%) | 2 days ago 68% | 2 days ago 65% | 2 days ago 65% |
| Aroon ODDS (%) | 2 days ago 44% | 2 days ago 54% | 2 days ago 47% |
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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% | ||
| WTFC - FNB | 92% Closely correlated | +2.03% | ||
| ZION - FNB | 91% Closely correlated | +1.97% | ||
| ASB - FNB | 91% Closely correlated | +2.51% | ||
| HWC - FNB | 90% Closely correlated | +3.03% | ||
More | ||||
HBAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, HBAN has been closely correlated with KEY. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBAN jumps, then KEY could also see price increases.
| Ticker / NAME | Correlation To HBAN | 1D Price Change % | ||
|---|---|---|---|---|
| HBAN | 100% | +1.69% | ||
| KEY - HBAN | 90% Closely correlated | +0.60% | ||
| CFG - HBAN | 89% Closely correlated | +0.06% | ||
| RF - HBAN | 89% Closely correlated | +0.75% | ||
| FITB - HBAN | 87% Closely correlated | +1.66% | ||
| ZION - HBAN | 87% Closely correlated | +1.97% | ||
More | ||||
PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with KEY. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then KEY could also see price increases.