FNB vs ZION
FNB Corporation vs Zions Bancorporation — AI-powered side-by-side comparison
FNB
FNB Corporation
72
Buy
VS
ZION
Zions Bancorporation
74
Buy
| Metric | FNB | ZION |
|---|
| AI Score |
72
|
74
|
| Price |
$19.48
|
$72.20
|
| P/E Ratio |
11.53×
|
9.17×
|
| ROE |
8.4%
|
12.5%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
64.4%
|
71.4%
|
| Debt / Equity |
0.73×
|
0.41×
|
| Dividend Yield |
2.5%
|
2.5%
|
| RSI (14) |
68.1
|
65.5
|
| Beta |
0.871
|
0.781
|
| Expected Upside |
+0.5%
|
+1.6%
|
AI Committee View
Current Innellis committee reasoning for FNB versus ZION.
ZION leads by 2 points.
ZION scores 74/100 (Buy) versus FNB at 72/100 (Buy).
FNB Committee View
100% agreement
6 analysts
The primary driver is vix regime is low -- calm backdrop supports risk-taking. The main limiting factor is sector concentration is already high (hhi 2971.31). The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 11.3 is inexpensive for the broad market — Value
- Price-to-book of 0.9x is a discount to asset value — Value
- Dividend yield of 2.7% pays you to wait — Value
Bear Case
- 2 consecutive earnings misses -- execution concerns — Growth
- Price trading above the upper Bollinger Band -- stretched — Technical
ZION Committee View
80% agreement
5 analysts
The primary driver is revenue growing 53.6% yoy -- genuine top-line momentum. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- P/E of 8.9 is inexpensive for the broad market — Value
- Price-to-book of 1.2x is a discount to asset value — Value
- ROE of 16.1% shows genuine earnings power backing the valuation — Value
Bear Case
- Stochastic RSI (91.8) confirms overbought conditions.
- Risk/reward is unfavorable: 14.4% downside vs 1.6% upside.