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HBAN or RF or ZION
Which Stock Would AI Choose? Huntington Bancshares (HBAN) vs. Regions Financial (RF) vs. Zions Bancorporation (ZION) Stock Comparison
Key Takeaways
- HBAN, RF, and ZION are regional banks facing similar pressures from interest rate sensitivity but differ in geographic focus and recent catalysts like HBAN's merger expansion.
- Recent market activity shows short-term weakness across all three, with YTD returns lagging the S&P 500 amid broader regional bank sector declines.
- Valuations are attractive at P/E ratios around 11x, with dividend yields exceeding 3.5%, appealing for income-oriented investors.
- ZION stands out with NIM expansion to 3.31% and revenue growth of 8.1% in 2025, supporting relative stability.
- HBAN benefits from recent merger with Cadence Bank, boosting Southern presence, while RF emphasizes capital returns and leadership transitions.
- AI analysis favors ZION for trend consistency and fee income momentum in the current environment.
Introduction
This comparison examines HBAN, RF, and ZION, three regional banks with significant footprints in the Midwest, South, and West. These stocks offer exposure to commercial and consumer lending amid evolving interest rates and economic conditions. Traders seeking relative performance insights and investors focused on dividends and valuations will find value here, as recent market activity highlights contrasts in momentum, growth drivers, and risk profiles within the regional banking sector.
HBAN Overview and Recent Performance
Huntington Bancshares Incorporated (HBAN) is a regional bank holding company headquartered in Columbus, Ohio, providing commercial, consumer, and mortgage services primarily in the Midwest and expanding South. Recent weeks have seen share price pressure, with declines over the past week and month despite positive one-year returns around 12-14%. Key influences include the completion of its merger with Cadence Bank, expanding to over 1,400 branches and enhancing Southern U.S. presence. This has sparked optimism on growth potential, though integration costs and valuation debates have tempered sentiment. Q4 2025 results showed 11% revenue growth and stable deposits, with analysts maintaining a moderate buy rating and average price targets near $20.64.
RF Overview and Recent Performance
Regions Financial Corporation (RF) operates as a bank holding company focused on consumer, commercial banking, wealth management, and mortgage services across the South, Midwest, and Texas. In recent market activity, shares have experienced an 11% decline amid mixed Q4 performance, though one-year gains exceed 30%. Strategic leadership changes aim to boost innovation and customer experience, supporting solid revenue growth and a compelling 3.92% dividend yield. Full-year 2025 earnings reached $2.1 billion with 18% return on tangible common equity, highlighting capital returns via buybacks and dividends. Analysts view it as undervalued with earnings growth prospects, navigating competitive pressures effectively.
ZION Overview and Recent Performance
Zions Bancorporation, National Association (ZION) provides banking products across 11 Western states through affiliates like Zions Bank and Amegy Bank. Recent weeks reflect YTD declines of around 6% but one-year gains near 16%, with shares trading around $55. Sentiment is bolstered by 8.1% revenue growth in 2025, driven by higher net interest income and fee income, alongside NIM expansion to 3.31%. Q4 adjusted EPS beat estimates, supported by loan growth and stabilizing funding costs. While commercial real estate exposure adds volatility, analysts project modest NII rises with price targets around $66, positioning it resiliently.
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Head-to-Head Comparison
HBAN, RF, and ZION operate similar regional models centered on deposits, loans, and fees, but diverge in scale and exposure: HBAN ($210B+ assets, market cap ~$31B) emphasizes Midwest consumer lending post-merger; RF (~$160B assets, ~$22B cap) diversifies via Southern commercial and wealth management; ZION (~$89B assets, ~$8B cap) focuses Western markets with CRE tilt. Growth drivers contrast ZION's NIM and fee momentum against RF's capital returns and HBAN's expansion synergies. Recent momentum lags for all amid rate pressures, with P/E ratios ~11x indicating valuation sensitivity. Risks include sector-wide interest rate exposure, amplified for ZION by CRE; trade-offs favor dividend stability over aggressive growth.
Tickeron AI Verdict
Tickeron’s AI currently favors ZION due to superior trend consistency, NIM expansion, and revenue beats positioning it ahead in relative performance. While all three exhibit stability via attractive valuations and yields, ZION's catalysts in fee income and loan growth offer probabilistic edge over HBAN's integration risks and RF's mixed momentum.
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).
HBAN’s FA Score shows that 1 FA rating(s) are green whileRF’s FA Score has 2 green FA rating(s), and ZION’s FA Score reflects 2 green FA rating(s).
- HBAN’s FA Score: 1 green, 4 red.
- RF’s FA Score: 2 green, 3 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.
HBAN’s TA Score shows that 7 TA indicator(s) are bullish while RF’s TA Score has 6 bullish TA indicator(s), and ZION’s TA Score reflects 6 bullish TA indicator(s).
- HBAN’s TA Score: 7 bullish, 4 bearish.
- RF’s TA Score: 6 bullish, 4 bearish.
- ZION’s TA Score: 6 bullish, 3 bearish.
Price Growth
HBAN (@Regional Banks) experienced а +2.87% price change this week, while RF (@Regional Banks) price change was +2.29% , and ZION (@Regional Banks) price fluctuated +2.47% 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%.
Reported Earning Dates
HBAN is expected to report earnings on Apr 23, 2026.
RF is expected to report earnings on Jul 17, 2026.
ZION is expected to report earnings on Apr 20, 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.
| HBAN | RF | ZION | |
| Capitalization | 34.8B | 24.2B | 9.27B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | -1.894 | 5.469 | 8.480 |
| P/E Ratio | 12.29 | 11.75 | 10.49 |
| Revenue | 8.13B | 7.53B | 3.39B |
| Total Cash | 1.78B | 3.11B | 771M |
| Total Debt | 18.5B | 4.88B | 3.47B |
HBAN | RF | ZION | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 76 Overvalued | 69 Overvalued | 87 Overvalued | |
PROFIT vs RISK RATING 1..100 | 62 | 39 | 76 | |
SMR RATING 1..100 | 7 | 7 | 9 | |
PRICE GROWTH RATING 1..100 | 48 | 19 | 15 | |
P/E GROWTH RATING 1..100 | 46 | 38 | 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.
RF's Valuation (69) in the Major Banks industry is in the same range as HBAN (76) in the Regional Banks industry, and is in the same range as ZION (87) in the Regional Banks industry. This means that RF's stock grew similarly to HBAN’s and similarly to ZION’s over the last 12 months.
RF's Profit vs Risk Rating (39) in the Major Banks industry is in the same range as HBAN (62) in the Regional Banks industry, and is somewhat better than the same rating for ZION (76) in the Regional Banks industry. This means that RF's stock grew similarly to HBAN’s and somewhat faster than ZION’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 ZION (9) in the Regional Banks industry. This means that RF'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 RF (19) in the Major Banks industry, and is somewhat better than the same rating for HBAN (48) in the Regional Banks industry. This means that ZION's stock grew similarly to RF’s and somewhat faster than HBAN’s over the last 12 months.
RF's P/E Growth Rating (38) in the Major Banks industry is in the same range as ZION (45) in the Regional Banks industry, and is in the same range as HBAN (46) in the Regional Banks industry. This means that RF's stock grew similarly to ZION’s and similarly to HBAN’s over the last 12 months.
| HBAN | RF | ZION | |
|---|---|---|---|
| RSI ODDS (%) | 4 days ago 70% | 4 days ago 64% | 4 days ago 67% |
| Stochastic ODDS (%) | 4 days ago 64% | 4 days ago 63% | 4 days ago 73% |
| Momentum ODDS (%) | 4 days ago 61% | 4 days ago 64% | 4 days ago 72% |
| MACD ODDS (%) | 4 days ago 62% | 4 days ago 64% | 4 days ago 75% |
| TrendWeek ODDS (%) | 4 days ago 61% | 4 days ago 63% | 4 days ago 67% |
| TrendMonth ODDS (%) | 4 days ago 58% | 4 days ago 59% | 4 days ago 63% |
| Advances ODDS (%) | 12 days ago 62% | 4 days ago 62% | 6 days ago 65% |
| Declines ODDS (%) | 22 days ago 62% | 25 days ago 64% | N/A |
| BollingerBands ODDS (%) | 4 days ago 65% | 4 days ago 55% | 4 days ago 64% |
| Aroon ODDS (%) | 4 days ago 54% | 4 days ago 56% | 4 days ago 64% |
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| VNIE | 25.70 | N/A | N/A |
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| BMNG | 1.55 | -0.05 | -3.13% |
| Leverage Shares 2X Long BMNR Daily ETF | |||
HBAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, HBAN 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 HBAN jumps, then CFG could also see price increases.
| Ticker / NAME | Correlation To HBAN | 1D Price Change % | ||
|---|---|---|---|---|
| HBAN | 100% | +1.69% | ||
| CFG - HBAN | 89% Closely correlated | +0.06% | ||
| FITB - HBAN | 87% Closely correlated | +1.66% | ||
| KEY - HBAN | 85% Closely correlated | +0.60% | ||
| PNC - HBAN | 85% Closely correlated | +2.15% | ||
| RF - HBAN | 84% Closely correlated | +0.75% | ||
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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.