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FNB vs WTFC
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Wintrust Financial Corporation (WTFC) Stock Comparison
Key Takeaways
- F.N.B. Corporation (FNB) and Wintrust Financial (WTFC) are both U.S. regional banks, but they differ sharply in scale, growth profile, and valuation.
- WTFC is the larger franchise with a market capitalization near $9.6 billion, roughly 55% higher than FNB's roughly $6 billion.
- WTFC has posted seven consecutive quarters of record net income, while FNB delivered record net interest income but slightly missed revenue expectations in its latest quarter.
- FNB trades near tangible book value with a higher dividend yield, while WTFC commands a premium valuation supported by stronger return on equity.
- Both stocks pulled back over the trailing three months, but WTFC has outperformed on a one-year basis.
Introduction
Regional banks are among the most interest-rate-sensitive corners of the equity market, making stock selection within the sector a meaningful decision for both income-focused investors and growth-oriented traders. This stock comparison examines FNB, a Pittsburgh-based diversified financial services firm, alongside WTFC, a Chicago-area community banking and specialty finance holding company. Although both operate in the U.S. Midwest and Northeast, their market positioning, growth trajectories, and risk profiles differ considerably. Readers evaluating regional bank exposure, relative performance, and the influence of net interest margins on earnings may find this analysis useful.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB) is a diversified financial services holding company providing commercial and consumer banking, wealth management, and insurance across seven states and Washington, D.C. In recent market activity, the stock has traded in the mid-to-high teens, with a 52-week range of roughly $15 to $20 and a dividend yield near 3%. Its most recent quarterly report showed record net interest income (the difference between interest earned on loans and interest paid on deposits), while total revenue grew only modestly and came in slightly below analyst expectations.
Sentiment has been shaped by steady loan and deposit growth, an improving net interest margin, and disciplined credit quality, with net charge-offs (loans written off as uncollectible) remaining low. However, the shares have pulled back from their summer highs in recent weeks, reflecting the broader pressure on regional bank valuations. FNB trades at a price-to-book ratio near 0.9 and a price-to-earnings multiple in the low teens, positioning it as a value-oriented holding within the group.
WTFC Overview and Recent Performance
Wintrust Financial Corporation (WTFC) is a financial holding company serving the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and western Michigan through three segments: community banking, specialty finance, and wealth management. In recent weeks the stock has traded near the low $140s, within a 52-week range of roughly $122 to $167, and carries a dividend yield around 1.5%.
The company's latest quarterly results marked its seventh consecutive quarter of record net income, driven by solid loan and deposit growth and a relatively stable net interest margin above 3.5%. Deposit market share gains in its core Illinois market have outpaced both state and national growth rates. Despite this operational strength, WTFC shares have also declined from their mid-year peak, contributing to a three-month pullback similar in magnitude to peers. With a return on equity in the low teens and a price-to-book ratio above 1.3, the stock reflects a higher-growth, higher-quality profile than many regional counterparts.
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Head-to-Head Comparison
The clearest contrast between these two banks is scale and growth. WTFC generates roughly $2.8 billion in trailing revenue and has sustained double-digit earnings growth, whereas FNB produces about $1.7 billion in revenue with more moderate expansion. In turn, WTFC earns a higher return on equity, while FNB offers the more conservative valuation and a meaningfully higher dividend yield.
On business mix, WTFC maintains a distinctive specialty finance operation, including insurance premium financing, that diversifies its revenue beyond traditional lending. FNB has been building out fee-based businesses such as wealth management, investment banking, and public finance to reduce reliance on net interest income. Both carry similar risk profiles tied to credit quality, commercial real estate exposure, and interest-rate sensitivity, and both have demonstrated low charge-off levels in recent quarters. From a momentum standpoint, neither stock has escaped the recent sector-wide retreat, though WTFC retains stronger one-year relative performance.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward WTFC in the current environment. Its streak of record quarterly earnings, more consistent trend structure, higher return on equity, and sustained deposit market share gains suggest stronger relative positioning and clearer earnings catalysts. FNB, by contrast, offers a more compelling valuation and income profile but has shown comparatively modest momentum. Because market regimes can shift quickly, the AI's preference is best understood as a probabilistic read on trend consistency and relative strength rather than a definitive forecast.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
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 FNB is a Buy and WTFC is a Buy.
FNB in upward trend: 10-day moving average crossed above 50-day moving average on October 29, 2026
The 10-day moving average for FNB crossed bullishly above the 50-day moving average on October 29, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 11 of 16 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 69%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where FNB's RSI Oscillator exited the oversold zone, 15 of 24 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 62%.
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on FNB as a result. In 53 of 86 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 62%.
The Moving Average Convergence Divergence (MACD) for FNB just turned positive on October 15, 2026. Looking at past instances where FNB's MACD turned positive, the stock continued to rise in 25 of 42 cases over the following month. The odds of a continued upward trend are 60%.
FNB moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +2.94% 3-day Advance, the price is estimated to grow further. Considering data from situations where FNB advanced for three days, in 163 of 295 cases, the price rose further within the following month. The odds of a continued upward trend are 55%.
Bearish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 7 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where FNB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 58%.
FNB broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for FNB entered a downward trend on October 21, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 11 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 29 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 57, placing this stock better than average.
The Tickeron Price Growth Rating for this company is 47 (best 1 - 100 worst), indicating steady price growth. FNB’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 50 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 63 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.940) is normal, around the industry mean (1.258). P/E Ratio (10.686) is within average values for comparable stocks, (13.468). Projected Growth (PEG Ratio) (1.530) is also within normal values, averaging (1.190). Dividend Yield (0.029) settles around the average of (0.036) among similar stocks. P/S Ratio (3.524) is also within normal values, averaging (3.738).
WTFC in upward trend: 10-day moving average crossed above 50-day moving average on October 29, 2026
The 10-day moving average for WTFC crossed bullishly above the 50-day moving average on October 29, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 12 of 17 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 71%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on WTFC as a result. In 56 of 85 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 66%.
The Moving Average Convergence Divergence (MACD) for WTFC just turned positive on October 05, 2026. Looking at past instances where WTFC's MACD turned positive, the stock continued to rise in 32 of 50 cases over the following month. The odds of a continued upward trend are 64%.
WTFC moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +0.95% 3-day Advance, the price is estimated to grow further. Considering data from situations where WTFC advanced for three days, in 187 of 291 cases, the price rose further within the following month. The odds of a continued upward trend are 64%.
Bearish Trend Analysis
The 10-day RSI Indicator for WTFC moved out of overbought territory on October 30, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 39 similar instances where the indicator moved out of overbought territory. In 22 of the 39 cases, the stock moved lower in the following days. This puts the odds of a move lower at 56%.
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 7 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
The 50-day moving average for WTFC moved below the 200-day moving average on October 21, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where WTFC declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 62%.
WTFC broke above its upper Bollinger Band on October 21, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for WTFC entered a downward trend on October 16, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 9 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 22 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 57, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 42 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 47 (best 1 - 100 worst), indicating steady price growth. WTFC’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 64 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.448) is normal, around the industry mean (1.258). P/E Ratio (12.074) is within average values for comparable stocks, (13.468). Projected Growth (PEG Ratio) (0.150) is also within normal values, averaging (1.190). Dividend Yield (0.014) settles around the average of (0.036) among similar stocks. P/S Ratio (3.527) is also within normal values, averaging (3.738).
FNB | WTFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 63 Fair valued | 64 Fair valued | |
PROFIT vs RISK RATING 1..100 | 29 | 22 | |
SMR RATING 1..100 | 11 | 9 | |
PRICE GROWTH RATING 1..100 | 47 | 47 | |
P/E GROWTH RATING 1..100 | 50 | 42 | |
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.
FNB's Valuation (63) in the Regional Banks industry is in the same range as WTFC (64). This means that FNB’s stock grew similarly to WTFC’s over the last 12 months.
WTFC's Profit vs Risk Rating (22) in the Regional Banks industry is in the same range as FNB (29). This means that WTFC’s stock grew similarly to FNB’s over the last 12 months.
WTFC's SMR Rating (9) in the Regional Banks industry is in the same range as FNB (11). This means that WTFC’s stock grew similarly to FNB’s over the last 12 months.
WTFC's Price Growth Rating (47) in the Regional Banks industry is in the same range as FNB (47). This means that WTFC’s stock grew similarly to FNB’s over the last 12 months.
WTFC's P/E Growth Rating (42) in the Regional Banks industry is in the same range as FNB (50). This means that WTFC’s stock grew similarly to FNB’s over the last 12 months.
| FNB | WTFC | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 63% | 4 days ago 56% |
| Stochastic ODDS (%) | 4 days ago 58% | 4 days ago 57% |
| Momentum ODDS (%) | 4 days ago 62% | 4 days ago 66% |
| MACD ODDS (%) | 4 days ago 60% | 4 days ago 64% |
| TrendWeek ODDS (%) | 4 days ago 60% | 4 days ago 67% |
| TrendMonth ODDS (%) | 4 days ago 50% | 4 days ago 62% |
| Advances ODDS (%) | 12 days ago 55% | 8 days ago 64% |
| Declines ODDS (%) | 6 days ago 58% | 6 days ago 62% |
| BollingerBands ODDS (%) | 4 days ago 66% | 4 days ago 57% |
| Aroon ODDS (%) | 4 days ago 59% | 4 days ago 71% |
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 overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FNB’s FA Score shows that 2 FA rating(s) are green while WTFC’s FA Score has 2 green FA rating(s).
- FNB’s FA Score: 2 green, 3 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.
FNB’s TA Score shows that 6 TA indicator(s) are bullish while WTFC’s TA Score has 5 bullish TA indicator(s).
- FNB’s TA Score: 6 bullish, 4 bearish.
- WTFC’s TA Score: 5 bullish, 6 bearish.
Price Growth
FNB (@Regional Banks) experienced а -0.66% price change this week, while WTFC (@Regional Banks) price change was +1.07% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.05%. For the same industry, the average monthly price growth was +0.76%, and the average quarterly price growth was +7.39%.
Reported Earning Dates
FNB is expected to report earnings on Jan 20, 2027.
WTFC is expected to report earnings on Jan 20, 2027.
Industries' Descriptions
@Regional Banks (-0.05% 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.
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WTFC and
Correlation & Price change
A.I.dvisor indicates that over the last year, WTFC has been closely correlated with FNB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if WTFC jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To WTFC | 1D Price Change % | ||
|---|---|---|---|---|
| WTFC | 100% | -1.14% | ||
| FNB - WTFC | 88% Closely correlated | -1.42% | ||
| ZION - WTFC | 88% Closely correlated | -1.30% | ||
| ONB - WTFC | 86% Closely correlated | -0.55% | ||
| ASB - WTFC | 86% Closely correlated | -0.75% | ||
| HWC - WTFC | 85% Closely correlated | -0.85% | ||
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