FNB vs. RF

Last updated Jun 4, 2026

FNB (F.N.B. Corporation) and RF (Regions Financial Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, FNB returned 6.98%/yr vs 15.25%/yr for RF. A 0.54 correlation means they provide meaningful diversification when combined.

Performance

FNB vs. RF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in F.N.B. Corporation (FNB) and Regions Financial Corporation (RF). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FNB achieves a 1.29% return, which is significantly lower than RF's 3.05% return. Over the past 10 years, FNB has underperformed RF with an annualized return of 6.98%, while RF has yielded a comparatively higher 15.25% annualized return.

FNB

• 1D: -1.78%
• 1M: -2.23%
• YTD: 1.29%
• 6M: 2.37%
• 1Y: 26.60%
• 3Y*: 17.36%
• 5Y*: 8.88%
• 10Y*: 6.98%

RF

• 1D: -2.25%
• 1M: 0.01%
• YTD: 3.05%
• 6M: 6.59%
• 1Y: 32.36%
• 3Y*: 20.75%
• 5Y*: 8.57%
• 10Y*: 15.25%

*Multi-year figures are annualized to reflect compound growth (CAGR)

FNB vs. RF - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FNB F.N.B. Corporation	1.29%	19.37%	10.96%	9.76%	11.74%	32.83%	-20.81%	34.49%	-26.16%	-7.76%
RF Regions Financial Corporation	3.05%	21.99%	27.00%	-5.69%	2.33%	39.39%	-1.61%	33.35%	-20.59%	22.95%

Correlation

The correlation between FNB and RF is 0.83, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.83
Correlation (3Y) Calculated over the trailing 3-year period	0.84
Correlation (5Y) Calculated over the trailing 5-year period	0.84
Correlation (10Y) Calculated over the trailing 10-year period	0.83
Correlation (All Time) Calculated using the full available price history since Mar 5, 1993	0.54

Over the past year, FNB and RF have become more correlated (0.83) than their long-term average of 0.54, meaning their price movements have been converging.

Fundamentals

Market Cap FNB : $6.15B RF : $23.78B
EPS FNB : $1.62 RF : $2.51
PE Ratio FNB : 10.54 RF : 10.90
PS Ratio FNB : 2.28 RF : 2.52
PB Ratio FNB : 0.90 RF : 1.37
Total Revenue (TTM) FNB : $2.71B RF : $9.62B
Gross Profit (TTM) FNB : $1.72B RF : $7.29B
EBITDA (TTM) FNB : $732.68M RF : $2.90B

Return for Risk

FNB vs. RF — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FNB

FNB Risk / Return Rank: 69
FNB Sharpe Ratio Rank: 73
FNB Sortino Ratio Rank: 64
FNB Omega Ratio Rank: 65
FNB Calmar Ratio Rank: 71
FNB Martin Ratio Rank: 73

RF

RF Risk / Return Rank: 73
RF Sharpe Ratio Rank: 78
RF Sortino Ratio Rank: 72
RF Omega Ratio Rank: 71
RF Calmar Ratio Rank: 71
RF Martin Ratio Rank: 72

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FNB vs. RF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for F.N.B. Corporation (FNB) and Regions Financial Corporation (RF). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	FNB	RF	Difference
Sharpe ratio Return per unit of total volatility	1.06	1.32	-0.26
Sortino ratio Return per unit of downside risk	1.48	1.85	-0.37
Omega ratio Gain probability vs. loss probability	1.20	1.24	-0.04
Calmar ratio Return relative to maximum drawdown	1.70	1.76	-0.06
Martin ratio Return relative to average drawdown	4.52	4.23	+0.29
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FNB vs. RF - Sharpe Ratio Comparison

The current FNB Sharpe Ratio is 1.06, which is comparable to the RF Sharpe Ratio of 1.32. The chart below compares the historical Sharpe Ratios of FNB and RF, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	FNB	RF	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.06	1.32	-0.26
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.30	0.27	+0.03
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.20	0.43	-0.23
Sharpe Ratio (All Time) Calculated using the full available price history	0.17	0.18	0.00

Drawdowns

FNB vs. RF - Drawdown Comparison

The maximum FNB drawdown since its inception was -69.60%, smaller than the maximum RF drawdown of -92.65%. Use the drawdown chart below to compare losses from any high point for FNB and RF.

Drawdown Indicators

	FNB	RF	Difference
Max Drawdown Largest peak-to-trough decline	-69.60%	-92.65%	+23.05%
Max Drawdown (1Y) Largest decline over 1 year	-15.74%	-18.45%	+2.71%
Max Drawdown (3Y) Largest decline over 3 years	-32.59%	-32.35%	-0.24%
Max Drawdown (5Y) Largest decline over 5 years	-32.59%	-40.99%	+8.40%
Max Drawdown (10Y) Largest decline over 10 years	-60.11%	-60.73%	+0.62%
Current Drawdown Current decline from peak	-8.46%	-9.77%	+1.31%
Average Drawdown Average peak-to-trough decline	-18.33%	-31.08%	+12.75%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.90%	7.67%	-1.77%

Volatility

FNB vs. RF - Volatility Comparison

The current volatility for F.N.B. Corporation (FNB) is 6.00%, while Regions Financial Corporation (RF) has a volatility of 6.85%. This indicates that FNB experiences smaller price fluctuations and is considered to be less risky than RF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FNB	RF	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.00%	6.85%	-0.85%
Volatility (6M) Calculated over the trailing 6-month period	17.51%	17.88%	-0.37%
Volatility (1Y) Calculated over the trailing 1-year period	25.35%	24.75%	+0.60%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	29.34%	31.53%	-2.19%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	35.43%	35.92%	-0.49%

Dividends

FNB vs. RF - Dividend Comparison

FNB's dividend yield for the trailing twelve months is around 2.87%, less than RF's 3.87% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FNB F.N.B. Corporation	2.87%	2.81%	3.25%	3.49%	3.68%	3.96%	5.05%	3.78%	4.88%	6.75%	2.99%	3.60%
RF Regions Financial Corporation	3.87%	5.12%	4.17%	4.54%	3.43%	2.98%	3.85%	3.44%	3.44%	1.82%	1.78%	2.40%

Financials

FNB vs. RF - Profitability Comparison

The chart below illustrates the profitability comparison between F.N.B. Corporation and Regions Financial Corporation over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

FNB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, F.N.B. Corporation reported a gross profit of 431.80M and revenue of 660.27M. Therefore, the gross margin over that period was 65.4%.

RF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported a gross profit of 1.78B and revenue of 2.33B. Therefore, the gross margin over that period was 76.6%.

FNB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, F.N.B. Corporation reported an operating income of 173.94M and revenue of 660.27M, resulting in an operating margin of 26.3%.

RF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported an operating income of 714.00M and revenue of 2.33B, resulting in an operating margin of 30.7%.

FNB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, F.N.B. Corporation reported a net income of 137.05M and revenue of 660.27M, resulting in a net margin of 20.8%.

RF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported a net income of 559.00M and revenue of 2.33B, resulting in a net margin of 24.0%.

Frequently Asked Questions

Can I hold both FNB and RF in my portfolio?

FNB and RF have a correlation of 0.83, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FNB or RF?

RF has higher volatility (6.85%) compared to FNB (6.00%). In terms of maximum drawdown, FNB dropped -69.60% vs RF's -92.65%.

Which has better risk-adjusted returns?

RF currently has the higher Sharpe Ratio (1.32 vs 1.06), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.