ONB vs HBAN vs RF vs WTFC

For growth investors, Old National Bancorp (ONB) is the stronger pick with 25.

5% revenue growth year-over-year, versus 2. 5% for Regions Financial Corporation (RF). Huntington Bancshares Incorporated (HBAN) offers the better valuation at 11. 6x trailing P/E (11. 1x forward), making it the more compelling value choice. Analysts rate Huntington Bancshares Incorporated (HBAN) a "Buy" — based on 48 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Huntington Bancshares Incorporated (HBAN) is the cheapest at 11.

6x versus Old National Bancorp at 13. 5x. On forward P/E, Old National Bancorp is actually cheaper at 9. 3x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Wintrust Financial Corporation wins at 0. 59x versus Old National Bancorp's 1. 64x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Wintrust Financial Corporation (WTFC) delivered a total return of +102.

9%, compared to +22. 0% for Huntington Bancshares Incorporated (HBAN). Over 10 years, the gap is even starker: RF returned +283. 3% versus HBAN's +121. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Huntington Bancshares Incorporated (HBAN) is the lower-risk stock at 1.

09β versus Old National Bancorp's 1. 23β — meaning ONB is approximately 13% more volatile than HBAN relative to the S&P 500. On balance sheet safety, Regions Financial Corporation (RF) carries a lower debt/equity ratio of 26% versus 88% for Old National Bancorp — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Old National Bancorp (ONB) is pulling ahead at 25.

5% versus 2. 5% for Regions Financial Corporation (RF). On earnings-per-share growth, the picture is similar: Regions Financial Corporation grew EPS 18. 7% year-over-year, compared to 6. 5% for Old National Bancorp. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Regions Financial Corporation (RF) is the more profitable company, earning 22.

4% net margin versus 17. 7% for Huntington Bancshares Incorporated — meaning it keeps 22. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RF leads at 28. 5% versus 21. 5% for HBAN. At the gross margin level — before operating expenses — RF leads at 74. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Wintrust Financial Corporation (WTFC) is the more undervalued stock at a PEG of 0. 59x versus Old National Bancorp's 1. 64x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Old National Bancorp (ONB) trades at 9. 3x forward P/E versus 11. 6x for Wintrust Financial Corporation — 2. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HBAN: 25. 9% to $20. 38.

In this comparison, HBAN (3.

7% yield), RF (3. 7% yield), ONB (2. 4% yield) pay a dividend. WTFC does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Regions Financial Corporation (RF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.

10), 3. 7% yield, +283. 3% 10Y return). Both have compounded well over 10 years (RF: +283. 3%, WTFC: +224. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: ONB is a small-cap high-growth stock; HBAN is a mid-cap deep-value stock; RF is a mid-cap deep-value stock; WTFC is a mid-cap deep-value stock. ONB, HBAN, RF pay a dividend while WTFC does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.