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FNB vs Home BancShares

This page compares FNB and Home BancShares, examining their business models, financial performance, and market context. It presents neutral, accessible information to help readers understand how each company operates, how their revenue and risk profiles differ, and the environments in which they compete. The aim is balanced insights without advice or guarantees. Educational content, not financial advice.

This page compares FNB and Home BancShares, examining their business models, financial performance, and market context. It presents neutral, accessible information to help readers understand how each ...

Investment Analysis

FNB

FNB

Pros

F.N.B. Corporation reported a 37% year-on-year increase in earnings per diluted common share, driven by record revenue and strong asset growth.
The company maintains a robust capital position with a CET1 ratio of 10.7% and tangible book value per share growth of over 11% year-on-year.
F.N.B. has expanded its digital and capital markets capabilities, including new corporate investment banking services and direct deposit switch features.

Considerations

F.N.B. Corporation's stock has underperformed both the US Banks industry and the broader US market over the past year.
Recent earnings growth is partly influenced by non-recurring items, which may not be sustainable in future quarters.
The company operates in a highly competitive banking sector, facing margin pressures from rising interest rates and increased regulatory scrutiny.

Home BancShares

HOMB

Pros

Home BancShares operates a diversified banking network across several southern US states, benefiting from regional economic growth and customer loyalty.
The company has a history of disciplined capital management and consistent dividend payouts to shareholders.
Home BancShares maintains a relatively low cost of funds and efficient branch network, supporting stable net interest margins.

Considerations

Home BancShares' growth has been largely organic, limiting its ability to rapidly expand or capture market share in new regions.
The company is exposed to regional economic risks, particularly in the southern US, which could impact loan performance during downturns.
Home BancShares has faced challenges in integrating recent acquisitions, which may affect future profitability and operational efficiency.

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Frequently asked questions

About The Companies

FNB (FNB)

F.N.B. Corporation (FNB) is a US regional bank holding company centred in Pittsburgh that provides commercial and consumer banking, mortgage lending, wealth management and payment services across the Mid‑Atlantic and Midwest. With a market capitalisation of about $5.55bn, FNB’s results are driven largely by net interest income from loans and deposits, alongside fee-based income from wealth and payments businesses. Key considerations for investors include sensitivity to interest-rate movements, the composition and quality of the loan book, deposit stability and regulatory capital metrics. The company pursues organic growth and selective acquisitions while investing in digital services to broaden customer reach. As with all banks, credit cycles and local economic conditions can materially affect performance. This summary is for general educational purposes only, not personalised investment advice; investors should consider their own circumstances and consult a qualified adviser before investing.

Home BancShares (HOMB)

Home Bancshares, Inc. (HOMB) is a US regional bank holding company that operates the Arvest Bank franchise across several Midwestern and Southern states. With a market capitalisation of about $5.35 billion, it focuses on commercial and consumer lending, deposit gathering and fee-based services for local businesses and households. Growth has historically come from both organic lending activity and acquisitions, which can widen geographic reach but also add integration and credit risk. HOMB’s earnings are sensitive to interest-rate moves, loan credit quality and local economic conditions. The company typically pays a dividend, but payouts depend on earnings, capital needs and regulatory constraints. This summary is for educational purposes only and not personalised financial advice; it is important to assess your own objectives, timeframe and risk tolerance before considering any investment. Returns are not guaranteed and share prices can fall as well as rise.