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FNB or HBAN or RF
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Huntington Bancshares (HBAN) vs. Regions Financial (RF) Stock Comparison
Key Takeaways
- All three regional banks—FNB, HBAN, and RF—have faced recent share price pressure amid broader market volatility, with declines of around 2-3% in recent sessions.
- RF leads in market cap at approximately $23B and offers a dividend yield near 3.6%, higher than FNB's 2.9% and HBAN's 3.7%.
- P/E ratios hover in the 10-12 range across the trio, indicating attractive valuations relative to earnings in the regional banking sector.
- HBAN benefits from recent merger activity with Cadence Bank, expanding its footprint, while FNB earned accolades for client service excellence.
- Recent earnings show resilience, with FNB posting strong Q4 results and mid-single-digit growth outlook for loans and deposits.
- Analyst targets suggest upside potential of 15-20% for all three, driven by stabilizing net interest margins and regional economic strength.
Introduction
Regional banks like FNB, HBAN, and RF offer exposure to community-focused lending and diversified financial services in key U.S. markets. This stock comparison evaluates their recent performance, business models, and market positioning amid evolving interest rates and economic conditions. Traders seeking momentum plays and long-term investors eyeing dividend stability will find value in understanding their relative strengths, such as HBAN's expansion via mergers and RF's Southeastern dominance. With valuations compressed yet fundamentals solid, these stocks highlight opportunities in the regional banking sector's recovery.
FNB Overview and Recent Performance
FNB, or F.N.B. Corporation, is a Pittsburgh-based financial holding company operating through community banking, wealth management, and insurance segments. It serves consumers and businesses across Pennsylvania, Ohio, and surrounding states via First National Bank of Pennsylvania. In recent market activity, FNB shares traded around $16.38, reflecting a pullback amid sector-wide pressures. Q4 2025 earnings delivered net income of $168.7 million, or $0.47 per share, with revenue up 11.6% year-over-year. The company declared a $0.12 quarterly dividend and earned 14 Greenwich Awards plus TIME recognition for service excellence. Sentiment remains supported by a balance sheet exceeding $50B, mid-single-digit loan/deposit growth guidance, and a P/E of about 10.5, bolstered by stable credit quality and efficiency gains.
HBAN Overview and Recent Performance
Huntington Bancshares (HBAN), headquartered in Columbus, Ohio, operates as the holding company for The Huntington National Bank, providing commercial, consumer, and mortgage services across the Midwest and South. Recent weeks saw shares around $16.31 after a 2.2% dip, influenced by post-merger integration. The completion of its Cadence Bank merger expanded its Southern footprint, drawing analyst upgrades like Morgan Stanley's $23 target. Q4 results showed revenue growth, with forecasts for record net interest income in 2026 amid margin expansion. Trading at a P/E near 11.7 with a 3.7% yield, HBAN benefits from proactive growth strategies, including Veritex acquisition synergies, though share weakness over the past month tempers short-term momentum.
RF Overview and Recent Performance
Regions Financial (RF), based in Birmingham, Alabama, delivers banking and wealth services through Regions Bank across the South, Midwest, and Texas. Shares recently hovered at $27.04 following a 2.5% decline, amid an 11% pullback but with a strong 27.7% one-year total return. Q4 2025 earnings hit $514 million, or $0.58 per share, with full-year adjusted EPS up 9%. A $0.265 dividend underscores capital return focus, yielding 3.57%. Valuation at a P/E of 12.1x reflects steady revenue growth and net margins near 29%, supported by loan pipelines and efficiency. Leadership transitions and Southeastern exposure drive sentiment, positioning RF resiliently despite recent volatility.
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Head-to-Head Comparison
FNB, HBAN, and RF share regional banking models emphasizing commercial lending, deposits, and fee income, but differ in scale and geography: RF's $23B market cap dwarfs FNB's $5.8B and HBAN's $32B post-merger. Growth drivers include HBAN's acquisitions boosting scale in high-growth areas versus FNB's organic mid-single-digit expansion. Recent momentum favors RF with superior one-year returns, though all saw monthly weakness. Risk factors like interest rate sensitivity are balanced by strong capital and low charge-offs. Valuation-wise, P/E multiples (10.5-12.1x) and yields (2.9-3.7%) are competitive, with RF trading richest on book value. Market sentiment tilts toward HBAN for catalysts, trading off FNB's stability.
Tickeron AI Verdict
Tickeron’s AI currently favors RF among the three, owing to its larger scale, higher dividend yield, and consistent one-year outperformance amid regional bank recovery trends. Observable factors like robust Q4 earnings growth, strengthening loan pipelines, and attractive valuation relative to peers suggest greater trend consistency and catalyst potential. While HBAN offers merger-driven upside and FNB stability, RF's positioning yields a probabilistic edge in current conditions.
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 RF’s FA Score reflects 1 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- HBAN’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.
FNB’s TA Score shows that 4 TA indicator(s) are bullish while HBAN’s TA Score has 5 bullish TA indicator(s), and RF’s TA Score reflects 4 bullish TA indicator(s).
- FNB’s TA Score: 4 bullish, 5 bearish.
- HBAN’s TA Score: 5 bullish, 4 bearish.
- RF’s TA Score: 4 bullish, 6 bearish.
Price Growth
FNB (@Regional Banks) experienced а +6.41% price change this week, while HBAN (@Regional Banks) price change was +5.07% , and RF (@Regional Banks) price fluctuated +6.35% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.92%. For the same industry, the average monthly price growth was +5.67%, and the average quarterly price growth was +19.36%.
Reported Earning Dates
FNB is expected to report earnings on Apr 16, 2026.
HBAN is expected to report earnings on Apr 23, 2026.
RF is expected to report earnings on Apr 17, 2026.
Industries' Descriptions
@Regional Banks (+2.92% 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 | RF | |
| Capitalization | 6.41B | 33.8B | 24B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 5.659 | -3.408 | 4.873 |
| P/E Ratio | 11.50 | 11.94 | 12.24 |
| Revenue | 1.77B | 8.13B | 7.53B |
| Total Cash | 387M | 1.78B | 3.11B |
| Total Debt | 3.08B | 18.5B | 4.88B |
FNB | HBAN | RF | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 26 | 10 | 22 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 66 Overvalued | 74 Overvalued | 71 Overvalued | |
PROFIT vs RISK RATING 1..100 | 40 | 68 | 42 | |
SMR RATING 1..100 | 11 | 7 | 7 | |
PRICE GROWTH RATING 1..100 | 45 | 52 | 47 | |
P/E GROWTH RATING 1..100 | 42 | 52 | 40 | |
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 (66) in the Regional Banks industry is in the same range as RF (71) in the Major Banks industry, and is in the same range as HBAN (74) in the Regional Banks industry. This means that FNB's stock grew similarly to RF’s and similarly to HBAN’s over the last 12 months.
FNB's Profit vs Risk Rating (40) in the Regional Banks industry is in the same range as RF (42) in the Major Banks industry, and is in the same range as HBAN (68) in the Regional Banks industry. This means that FNB's stock grew similarly to RF’s and similarly to HBAN’s over the last 12 months.
RF's SMR Rating (7) 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 RF's stock grew similarly to HBAN’s and similarly to FNB’s over the last 12 months.
FNB's Price Growth Rating (45) in the Regional Banks industry is in the same range as RF (47) in the Major Banks industry, and is in the same range as HBAN (52) in the Regional Banks industry. This means that FNB's stock grew similarly to RF’s and similarly to HBAN’s over the last 12 months.
RF's P/E Growth Rating (40) in the Major Banks industry is in the same range as FNB (42) in the Regional Banks industry, and is in the same range as HBAN (52) in the Regional Banks industry. This means that RF's stock grew similarly to FNB’s and similarly to HBAN’s over the last 12 months.
| FNB | HBAN | RF | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 61% | 1 day ago 84% | 1 day ago 64% |
| Stochastic ODDS (%) | 1 day ago 58% | 1 day ago 49% | 1 day ago 57% |
| Momentum ODDS (%) | 1 day ago 62% | 1 day ago 67% | 1 day ago 68% |
| MACD ODDS (%) | 1 day ago 59% | 1 day ago 62% | 1 day ago 69% |
| TrendWeek ODDS (%) | 1 day ago 57% | 1 day ago 61% | 1 day ago 63% |
| TrendMonth ODDS (%) | 1 day ago 51% | 1 day ago 58% | 1 day ago 59% |
| Advances ODDS (%) | 1 day ago 53% | 1 day ago 62% | 1 day ago 62% |
| Declines ODDS (%) | 11 days ago 58% | 11 days ago 62% | 14 days ago 64% |
| BollingerBands ODDS (%) | 1 day ago 63% | 1 day ago 63% | 1 day ago 52% |
| Aroon ODDS (%) | 1 day ago 58% | 1 day ago 51% | 1 day ago 49% |
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HBAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, HBAN has been closely correlated with FITB. 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 FITB could also see price increases.
| Ticker / NAME | Correlation To HBAN | 1D Price Change % | ||
|---|---|---|---|---|
| HBAN | 100% | +1.47% | ||
| FITB - HBAN | 90% Closely correlated | +1.78% | ||
| KEY - HBAN | 90% Closely correlated | +1.69% | ||
| PNC - HBAN | 89% Closely correlated | +1.12% | ||
| CFG - HBAN | 89% Closely correlated | +1.87% | ||
| RF - HBAN | 89% Closely correlated | +2.48% | ||
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