Banco Macro vs FNB

Banco Macro and FNB together form this stock comparison page, examining their business models, financial performance, and market context in clear, neutral language for readers. It presents accessible information to help understand how each company operates within the financial sector and how market factors can influence outcomes. Educational content, not financial advice.

About The Companies

Banco Macro (BMA)

Banco Macro S.A. (ticker: BMA) is a leading Argentine bank predominantly serving retail customers and small-to-medium enterprises (SMEs). With a market capitalisation of about $3.63 billion, it operates an extensive domestic branch network and provides loans, deposits, payments and basic investment services. Key considerations for investors include its strong domestic franchise and deposit funding, balanced against significant exposure to Argentina’s macroeconomic environment: inflation, currency fluctuations and policy changes can materially affect earnings, asset quality and capital. Opportunities may arise from financial inclusion and rising credit penetration, while risks include sovereign and currency risk, regulatory shifts and volatile interest-rate cycles. Historically the bank has returned capital in the form of dividends, but payouts have varied with profitability and regulation. This is general educational information and not personal financial advice; investors should assess suitability for their own portfolios and consider independent financial or tax guidance.

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.

Comparison Snapshot

Key Financial Metrics

BMA

Metric

FNB

$5.75B

Market Cap

$6.27B

11.32%

Potential Profit

4.96%

Buy

Analyst Rating

Buy

Which Baskets Do They Appear In?

European Bank Targets: M&A Risks and Opportunities

BBVA's hostile takeover bid for Sabadell has been rejected by the latter's board, signaling a potential wave of mergers and acquisitions in the European banking sector. This theme focuses on financial institutions that could be involved in or benefit from increased M&A activity.

Published: September 12, 2025

Explore Basket

Which Baskets Do They Appear In?

European Bank Targets: M&A Risks and Opportunities

Published: September 12, 2025

Explore Basket

Investment Analysis

Banco Macro

BMA

Pros

Banco Macro’s net income surged 209% quarter-on-quarter in Q2 2025, reflecting robust operational momentum in a challenging Argentine economic environment.
The bank maintains a relatively strong profit margin (12.3%) and has demonstrated recent revenue growth of 49% year-on-year, indicating pricing power and market share gains.
Banco Macro’s extensive regional presence and focus on multiservice banking in Argentina provide diversified income streams and resilience against localised economic shocks.

Considerations

Earnings growth year-on-year fell sharply by 89.6%, highlighting significant volatility and potential vulnerability to Argentina’s macroeconomic instability and hyperinflation.
The stock exhibits very high price volatility (16.94% over 30 days) and an overbought RSI, suggesting near-term downside risk despite bullish sentiment.
Banco Macro’s ADR trades at a premium to analyst consensus price targets, raising valuation concerns if earnings growth fails to meet elevated expectations.

FNB

Pros

F.N.B. Corporation has consistently grown its footprint in the US Mid-Atlantic and Midwest, benefiting from recent acquisitions and organic expansion in stable markets.
The bank maintains sound asset quality with low non-performing loans and has demonstrated stable net interest margins despite a rising rate environment.
F.N.B. offers a diversified product set including commercial banking, wealth management, and insurance, supporting recurring revenue and customer retention.

Considerations

F.N.B. faces margin pressure as deposit costs rise faster than loan yields, potentially compressing profitability in a normalising rate environment.
The bank’s growth is tied to regional economic conditions, exposing it to cyclical downturns in its core markets of Pennsylvania, Ohio, and neighboring states.
F.N.B.’s valuation multiples have expanded in recent years, leaving less room for upside if earnings growth decelerates or credit costs rise unexpectedly.

Why invest with Nemo?

🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Banco Macro vs FNB

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

European Bank Targets: M&A Risks and Opportunities

Which Baskets Do They Appear In?

European Bank Targets: M&A Risks and Opportunities

Investment Analysis

Banco Macro

Pros

Considerations

FNB

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Banco Macro vs Virtu

Banco Macro vs RLI

Banco Macro vs Home BancShares

Frequently asked questions

About The Companies

Comparison Snapshot

Banco Macro vs FNB

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

European Bank Targets: M&A Risks and Opportunities

Which Baskets Do They Appear In?

European Bank Targets: M&A Risks and Opportunities

Investment Analysis

Banco Macro

Pros

Considerations

FNB

Pros

Considerations

Why invest with Nemo?

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Banco Macro vs Virtu

Banco Macro vs RLI

Banco Macro vs Home BancShares

Frequently asked questions

What is the main difference between a bank-focused stock like Banco Macro and a diversified bank like F.N.B. Corporation in terms of business model?

How should I interpret ‘net interest margin’ as shown for these banks in the context of a rising-rate environment?

What does ‘non-performing loans’ indicate about a bank’s financial health?

How should I weigh volatility versus earnings growth when evaluating these stocks?

What does ‘valuation multiples expanded’ imply for a stock like F.N.B.?

How can regional exposure influence risk and return for Banco Macro and F.N.B.?

What role do macroeconomic conditions play in the performance of these two banks?

Why might one bank outperform the other in a rising-rate environment?

How should I use this comparison page to start a simple evaluation process?

What limitations should I keep in mind when relying on these figures?

What is the educational purpose of including a ‘pros and cons’ section for each stock?

About The Companies

Comparison Snapshot