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FHN vs WTFC
First Horizon (FHN) vs Wintrust Financial (WTFC) Earnings Preview: Q1 Results in Focus
Key Takeaways
- First Horizon (FHN) reports Q1 2026 earnings on April 15, with consensus expecting EPS of $0.49 and revenue around $869 million.
- Wintrust Financial (WTFC) follows on April 20, analysts projecting EPS near $2.96 and revenue about $707 million.
- Both regional banks showed strong Q4 2025 results: FHN with $0.52 EPS, 2% loan growth; WTFC with $3.15 EPS, 8% annualized loan and deposit growth.
- FHN boasts larger scale ($84B assets) vs. WTFC ($71B), but WTFC leads in ROE (12%) and profitability margins.
- Comparable valuations: Both trade at ~12.8x trailing P/E, with CET1 ratios (common equity tier 1 capital, a key measure of bank capital strength) above 10%.
- NIM (net interest margin, the difference between interest income and funding costs) stable at ~3.5% for both, supporting earnings resilience.
Earnings Context and Why This Comparison Matters
Regional banks like First Horizon (FHN) and Wintrust Financial (WTFC) operate in competitive markets, focusing on commercial, consumer lending, and deposit gathering in the Southeast and Midwest, respectively. Earnings reports provide insights into loan growth, deposit stability, and credit quality amid interest rate pressures and economic shifts. Comparing them highlights operational efficiencies, balance sheet strength, and growth potential in a sector sensitive to NII (net interest income, revenue from loans minus deposit costs).
First Horizon Focus
First Horizon (FHN), a Memphis-based bank with $84 billion in assets, will release Q1 2026 results on April 15 before market open, followed by a 9:30 AM ET conference call. Analysts forecast EPS of $0.49, up 16.7% year-over-year, and revenue of $869 million, a 6.7% increase. Key watches include NIM around 3.51% (as in Q4 2025), continued loan expansion (Q4 saw 2% period-end growth to support commercial and consumer portfolios), and deposit inflows ($2 billion Q/Q increase last quarter). Q4 2025 delivered $0.52 EPS (beating estimates by $0.06), revenue of $892 million, and ROTCE (return on tangible common equity, profitability on tangible capital) of 15%, underscoring revenue strength from diversified banking and stable credit metrics.
Wintrust Financial Context
Wintrust Financial (WTFC), serving the greater Chicago area with $71 billion in assets, announces Q1 2026 earnings after market close on April 20, with a call on April 21. Expectations center on EPS of ~$2.96 and revenue near $707 million. Building on Q4 2025's record $3.15 EPS (beating by $0.22), $714 million revenue, and NII up $17 million to $584 million, focus areas include sustained mid-to-high single-digit loan/deposit growth (both ~8% annualized in Q4) and NIM stability at 3.5%. Full-year 2025 net income hit $824 million (19% growth), ROE (return on equity, net income divided by shareholders' equity) at 12%, and CET1 at 10.3%, reflecting disciplined expansion via its multi-charter community banking model.
Head-to-Head Earnings and Market Comparison
Both banks enter earnings with momentum: FHN's scale ($11.5B market cap) aids diversification, but WTFC ($9.8B market cap) excels in per-share profitability ($11.40 full-year 2025 EPS vs. FHN's $1.87 TTM) and growth drivers like robust deposits (non-interest bearing >19%). NIMs align at ~3.5%, but WTFC's higher ROTCE/ROE signals superior capital efficiency. Risks include NCOs (non-performing loans, bad debt write-offs) and rate sensitivity; both maintain strong CET1 (~11% FHN, 10.3% WTFC). Valuations are even (P/E ~12.8x, P/B ~1.3-1.4x), with sentiment favoring growth-oriented plays amid regional lending recovery.
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Tickeron AI Verdict
Tickeron AI currently favors WTFC (65% probability) for superior earnings quality, higher ROE/ROTCE, and consistent loan/deposit growth, though FHN's scale offers stability in diversified markets.
Disclaimer
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To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FHN is a Buy and WTFC is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FHN’s FA Score shows that 1 FA rating(s) are green whileWTFC’s FA Score has 2 green FA rating(s).
- FHN’s FA Score: 1 green, 4 red.
- WTFC’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FHN’s TA Score shows that 5 TA indicator(s) are bullish while WTFC’s TA Score has 4 bullish TA indicator(s).
- FHN’s TA Score: 5 bullish, 2 bearish.
- WTFC’s TA Score: 4 bullish, 4 bearish.
Price Growth
FHN (@Regional Banks) experienced а +0.32% price change this week, while WTFC (@Regional Banks) price change was +0.16% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
FHN is expected to report earnings on Jul 15, 2026.
WTFC is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| FHN | WTFC | FHN / WTFC | |
| Capitalization | 11.8B | 10.6B | 111% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 5.326 | 13.421 | 40% |
| P/E Ratio | 12.47 | 13.06 | 95% |
| Revenue | 3.37B | 2.8B | 121% |
| Total Cash | 889M | 468M | 190% |
| Total Debt | 3.29B | 4.34B | 76% |
FHN | WTFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 23 | 24 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 43 Fair valued | 70 Overvalued | |
PROFIT vs RISK RATING 1..100 | 62 | 24 | |
SMR RATING 1..100 | 14 | 15 | |
PRICE GROWTH RATING 1..100 | 47 | 46 | |
P/E GROWTH RATING 1..100 | 62 | 45 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FHN's Valuation (43) in the Regional Banks industry is in the same range as WTFC (70). This means that FHN’s stock grew similarly to WTFC’s over the last 12 months.
WTFC's Profit vs Risk Rating (24) in the Regional Banks industry is somewhat better than the same rating for FHN (62). This means that WTFC’s stock grew somewhat faster than FHN’s over the last 12 months.
FHN's SMR Rating (14) in the Regional Banks industry is in the same range as WTFC (15). This means that FHN’s stock grew similarly to WTFC’s over the last 12 months.
WTFC's Price Growth Rating (46) in the Regional Banks industry is in the same range as FHN (47). This means that WTFC’s stock grew similarly to FHN’s over the last 12 months.
WTFC's P/E Growth Rating (45) in the Regional Banks industry is in the same range as FHN (62). This means that WTFC’s stock grew similarly to FHN’s over the last 12 months.
| FHN | WTFC | |
|---|---|---|
| RSI ODDS (%) | N/A | 2 days ago 67% |
| Stochastic ODDS (%) | 2 days ago 54% | 2 days ago 57% |
| Momentum ODDS (%) | 2 days ago 51% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 62% | 2 days ago 65% |
| TrendWeek ODDS (%) | 2 days ago 51% | 2 days ago 60% |
| TrendMonth ODDS (%) | 2 days ago 53% | 2 days ago 64% |
| Advances ODDS (%) | 12 days ago 57% | 2 days ago 67% |
| Declines ODDS (%) | N/A | 23 days ago 62% |
| BollingerBands ODDS (%) | 2 days ago 56% | 2 days ago 55% |
| Aroon ODDS (%) | 2 days ago 49% | 2 days ago 62% |
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FHN and
Correlation & Price change
A.I.dvisor indicates that over the last year, FHN has been closely correlated with HWC. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if FHN jumps, then HWC could also see price increases.