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FNB or RF or WFC
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Regions Financial Corporation (RF) vs. Wells Fargo & Company (WFC) Stock Comparison
Key Takeaways
- FNB trades at a low P/E of 10.40 with a $20.06 analyst target, suggesting undervaluation amid recent digital expansions and awards.
- RF offers a 3.99% dividend yield and steady capital returns, but recent earnings misses contributed to share price pressure.
- WFC benefits from scale and regulatory relief, with a high $101.35 target, though YTD underperformance reflects broader sector volatility.
- All three regional/major banks show resilience in net interest income, but FNB and RF exhibit stronger relative value metrics versus WFC's size-driven premium.
- Recent market activity highlights credit quality and rate sensitivity as key contrasts, with FNB gaining from eStore growth.
- AI models favor trend consistency and catalysts like FNB's efficiency gains in current conditions.
Introduction
This stock comparison examines FNB, a regional bank focused on the Mid-Atlantic and Southeast; RF, a Southern U.S. financial services provider; and WFC, a diversified national banking giant. These stocks represent varying scales within the banking sector, from community-oriented operations to large-cap diversification. Traders seeking relative performance insights and investors eyeing valuation opportunities in recent market volatility will find value here, particularly amid shifting interest rates and credit dynamics influencing regional bank sentiment.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB), headquartered in Pittsburgh, operates as a regional bank holding company serving consumers, businesses, and governments across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Virginia, and Washington, D.C. With total assets exceeding $50 billion, it focuses on community banking, wealth management, and insurance through segments emphasizing deposit products, lending, and fiduciary services.
In recent market activity, FNB shares have experienced pullbacks amid broader regional bank pressures, trading around $16.22 with a market cap of $5.8 billion and P/E of 10.40. Year-to-date gains stand at about 4.5%, supported by strong Q4 2025 earnings where adjusted EPS beat estimates at $0.50 versus $0.41 expected, driven by record revenue and non-interest income growth. Sentiment has been bolstered by expansions like adding business loans to its eStore digital platform, which saw 300% more online applications, and accolades including 14 Coalition Greenwich awards and TIME's Best Financial Services list. These factors underscore efficiency and client growth, countering short-term credit concerns.
RF Overview and Recent Performance
Regions Financial Corporation (RF), based in Birmingham, Alabama, is a financial holding company delivering banking, wealth management, and specialty finance across the South, Midwest, and Texas since 1971. It caters to individuals and corporations with deposit accounts, loans, and investment services, maintaining a market cap near $23 billion.
Recent weeks have seen RF shares decline around 12% over the past month to about $26.21, with YTD returns at roughly 2.4% and a P/E of 11.40. Q4 2025 results showed 4.1% revenue growth but an EPS miss, prompting share weakness despite full-year earnings of $2.1 billion and ROTCE over 18%. Positive influences include a 3.99% dividend yield, liquidity of $67.9 billion supporting buybacks, and recognitions like the 2026 Gallup Exceptional Workplace Award. Leadership transitions and consumer product innovations aim to sustain capital returns amid net interest margin contraction.
WFC Overview and Recent Performance
Wells Fargo & Company (WFC) is a diversified financial services firm offering banking, investment, mortgage, and finance products nationwide and internationally. As one of the largest U.S. banks by assets, it emphasizes consumer and commercial lending with a market cap over $241 billion.
WFC shares have dipped in recent trading to $76.88, reflecting about 18% YTD decline amid sector headwinds, though one-year returns exceed 16%. P/E stands at 12.28, with analysts noting regulatory relief like the lifted 2018 Fed cap as a catalyst. Recent developments include trademark filings for digital assets like WFUSD, signaling crypto exploration, and pursuits of middle-market lead roles. Mixed analyst adjustments ahead of Q1 earnings highlight earnings power but sensitivity to credit and rates, with price targets averaging $101.
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Head-to-Head Comparison
FNB, RF, and WFC operate in banking but differ in scale: FNB and RF as regionals emphasize community lending in specific U.S. footprints, while WFC leverages national diversification including mortgages and investments. Growth drivers contrast with FNB's digital eStore surge versus RF's dividend focus and WFC's regulatory unwind.
Recent momentum favors FNB's earnings beats over RF and WFC misses, though all face rate sensitivity. Risk factors include commercial real estate for regionals like FNB and RF, versus WFC's broader credit exposure. Valuations show FNB cheapest at 10.4x P/E, RF mid-range, and WFC premium. Sentiment tilts positive for WFC's scale but favors FNB's upside potential in stable conditions.
Tickeron AI Verdict
Tickeron’s AI currently leans toward FNB based on superior trend consistency from earnings beats, digital catalysts, and lowest valuation amid regional resilience. While WFC offers scale advantages and RF reliable yields, FNB's relative positioning suggests higher probability of outperformance in the near term, contingent on credit 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).
FNB’s FA Score shows that 1 FA rating(s) are green whileRF’s FA Score has 2 green FA rating(s), and WFC’s FA Score reflects 2 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- RF’s FA Score: 2 green, 3 red.
- WFC’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 RF’s TA Score has 6 bullish TA indicator(s), and WFC’s TA Score reflects 6 bullish TA indicator(s).
- FNB’s TA Score: 6 bullish, 4 bearish.
- RF’s TA Score: 6 bullish, 4 bearish.
- WFC’s TA Score: 6 bullish, 5 bearish.
Price Growth
FNB (@Regional Banks) experienced а +1.41% price change this week, while RF (@Regional Banks) price change was +1.72% , and WFC (@Major Banks) price fluctuated -4.67% for the same time period.
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%.
The average weekly price growth across all stocks in the @Major Banks industry was +1.65%. For the same industry, the average monthly price growth was +9.79%, and the average quarterly price growth was +21.30%.
Reported Earning Dates
FNB is expected to report earnings on Jul 22, 2026.
RF is expected to report earnings on Jul 17, 2026.
WFC is expected to report earnings on Jul 14, 2026.
Industries' Descriptions
@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.
@Major Banks (+1.65% 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.
| FNB | RF | WFC | |
| Capitalization | 6.34B | 24.2B | 251B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 5.659 | 5.469 | -11.617 |
| P/E Ratio | 11.01 | 11.75 | 12.67 |
| Revenue | 1.77B | 7.53B | 83.7B |
| Total Cash | 387M | 3.11B | 34.8B |
| Total Debt | 3.08B | 4.88B | 193B |
FNB | RF | WFC | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 64 Fair valued | 69 Overvalued | 74 Overvalued | |
PROFIT vs RISK RATING 1..100 | 38 | 39 | 22 | |
SMR RATING 1..100 | 11 | 7 | 2 | |
PRICE GROWTH RATING 1..100 | 44 | 19 | 52 | |
P/E GROWTH RATING 1..100 | 50 | 38 | 53 | |
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 RF (69) in the Major Banks industry, and is in the same range as WFC (74) in the Major Banks industry. This means that FNB's stock grew similarly to RF’s and similarly to WFC’s over the last 12 months.
WFC's Profit vs Risk Rating (22) in the Major Banks industry is in the same range as FNB (38) in the Regional Banks industry, and is in the same range as RF (39) in the Major Banks industry. This means that WFC's stock grew similarly to FNB’s and similarly to RF’s over the last 12 months.
WFC's SMR Rating (2) 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 WFC'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 FNB (44) in the Regional Banks industry, and is somewhat better than the same rating for WFC (52) in the Major Banks industry. This means that RF's stock grew similarly to FNB’s and somewhat faster than WFC’s over the last 12 months.
RF's P/E Growth Rating (38) in the Major Banks industry is in the same range as FNB (50) in the Regional Banks industry, and is in the same range as WFC (53) in the Major Banks industry. This means that RF's stock grew similarly to FNB’s and similarly to WFC’s over the last 12 months.
| FNB | RF | WFC | |
|---|---|---|---|
| RSI ODDS (%) | 4 days ago 68% | 4 days ago 64% | 4 days ago 71% |
| Stochastic ODDS (%) | 4 days ago 59% | 4 days ago 63% | 4 days ago 62% |
| Momentum ODDS (%) | 4 days ago 66% | 4 days ago 64% | 4 days ago 74% |
| MACD ODDS (%) | 4 days ago 59% | 4 days ago 64% | 4 days ago 63% |
| TrendWeek ODDS (%) | 4 days ago 57% | 4 days ago 63% | 4 days ago 61% |
| TrendMonth ODDS (%) | 4 days ago 52% | 4 days ago 59% | 4 days ago 57% |
| Advances ODDS (%) | 12 days ago 53% | 4 days ago 62% | 4 days ago 61% |
| Declines ODDS (%) | 22 days ago 58% | 25 days ago 64% | 6 days ago 59% |
| BollingerBands ODDS (%) | 4 days ago 68% | 4 days ago 55% | 4 days ago 67% |
| Aroon ODDS (%) | 4 days ago 44% | 4 days ago 56% | 4 days ago 55% |
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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% | ||
More | ||||
WFC and
Correlation & Price change
A.I.dvisor indicates that over the last year, WFC has been closely correlated with BAC. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if WFC jumps, then BAC could also see price increases.