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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
- Both FNB and WTFC are regional banks with solid year-to-date gains of around 5-7%, reflecting resilience in the sector.
- Recent Q1 2026 earnings showed WTFC delivering a stronger EPS beat at $3.22 versus estimates of $2.96, compared to FNB's matching EPS of $0.38 with revenue slightly below expectations.
- FNB offers a higher dividend yield of 2.92%, appealing to income-focused investors, while WTFC trades at a larger market cap of $10B.
- Stock momentum in recent weeks favors WTFC with shares up over 11% in the past month amid positive analyst upgrades.
- Valuation metrics show FNB at a lower P/E ratio (price-to-earnings) of 11.01 versus WTFC's 13.05, suggesting relative value in FNB.
Introduction
In the competitive regional banking sector, FNB and WTFC stand out as mid-cap players offering community-focused services amid fluctuating interest rates and economic shifts. This stock comparison evaluates their business models, recent performance, and market positioning to assist traders seeking momentum plays and investors prioritizing stability or income. With both stocks showing relative strength year-to-date, understanding their contrasts in earnings momentum, valuation, and growth drivers can inform portfolio decisions in today's market environment.
FNB Overview and Recent Performance
FNB, or F.N.B. Corporation, is a diversified financial holding company headquartered in Pittsburgh, Pennsylvania, operating community banking branches across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. It provides commercial and consumer banking, wealth management, and insurance services. In recent market activity, FNB shares have gained over 8% in the past 30 days, driven by Q1 2026 earnings that matched EPS estimates at $0.38—a 19% year-over-year increase—alongside an 8% hike in its quarterly dividend. Sentiment has been bolstered by strong pre-provision net revenue growth of 17%, though revenue fell slightly short of analyst expectations, reflecting cautious loan growth in a high-rate environment.
WTFC Overview and Recent Performance
WTFC, Wintrust Financial Corporation, based in Rosemont, Illinois, focuses on community-oriented banking through segments including community banking, specialty finance, and wealth management. It serves customers with deposits, loans, insurance premium financing, and asset management primarily in the Midwest. Recent weeks have seen robust stock performance, with shares advancing amid anticipation and delivery of Q1 2026 results, posting EPS of $3.22—surpassing estimates by 8.8%—and revenue growth of 10.9% year-over-year. Positive factors include strong loan portfolio expansion and analyst upgrades, enhancing market sentiment despite broader sector pressures from interest rate dynamics.
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Head-to-Head Comparison
Both FNB and WTFC operate regional banking models centered on community lending and deposits, but FNB emphasizes wealth management and insurance in the Mid-Atlantic, while WTFC leverages specialty finance like equipment leasing in the Midwest. Growth drivers differ: WTFC shows superior loan expansion, fueling higher revenue momentum, versus FNB's focus on digital initiatives and buybacks. Recent momentum tilts to WTFC post-earnings, though FNB offers better dividend appeal. Risk factors include interest rate sensitivity and non-performing loans (NCOs), with both maintaining stable CET1 (Common Equity Tier 1) ratios. Sector exposure is similar in commercial real estate, but market sentiment favors WTFC's profitability edge amid economic recovery signals.
Tickeron AI Verdict
Tickeron’s AI models would likely favor WTFC in the current environment, given its superior Q1 earnings surprise, stronger revenue growth, and consistent trend stability relative to peers. While FNB provides attractive valuation and yield, WTFC's catalysts like loan growth position it probabilistically better for near-term outperformance, based on momentum and relative positioning.
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. Disclaimers and Limitations
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 StrongBuy and WTFC is a Buy.
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).
FNB’s FA Score shows that 1 FA rating(s) are green whileWTFC’s FA Score has 2 green FA rating(s).
- FNB’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.
FNB’s TA Score shows that 5 TA indicator(s) are bullish while WTFC’s TA Score has 4 bullish TA indicator(s).
- FNB’s TA Score: 5 bullish, 4 bearish.
- WTFC’s TA Score: 4 bullish, 4 bearish.
Price Growth
FNB (@Regional Banks) experienced а +5.37% price change this week, while WTFC (@Regional Banks) price change was +4.16% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +3.72%. For the same industry, the average monthly price growth was +7.76%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
FNB is expected to report earnings on Jul 22, 2026.
WTFC is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Regional Banks (+3.72% 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.
| FNB | WTFC | FNB / WTFC | |
| Capitalization | 6.64B | 10.7B | 62% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 10.604 | 14.729 | 72% |
| P/E Ratio | 11.51 | 13.35 | 86% |
| Revenue | 1.8B | 2.8B | 65% |
| Total Cash | 452M | 468M | 97% |
| Total Debt | 3.14B | 4.34B | 72% |
FNB | WTFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 18 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 45 Fair valued | 72 Overvalued | |
PROFIT vs RISK RATING 1..100 | 36 | 23 | |
SMR RATING 1..100 | 20 | 15 | |
PRICE GROWTH RATING 1..100 | 46 | 44 | |
P/E GROWTH RATING 1..100 | 48 | 41 | |
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 (45) in the Regional Banks industry is in the same range as WTFC (72). This means that FNB’s stock grew similarly to WTFC’s over the last 12 months.
WTFC's Profit vs Risk Rating (23) in the Regional Banks industry is in the same range as FNB (36). This means that WTFC’s stock grew similarly to FNB’s over the last 12 months.
WTFC's SMR Rating (15) in the Regional Banks industry is in the same range as FNB (20). This means that WTFC’s stock grew similarly to FNB’s over the last 12 months.
WTFC's Price Growth Rating (44) in the Regional Banks industry is in the same range as FNB (46). This means that WTFC’s stock grew similarly to FNB’s over the last 12 months.
WTFC's P/E Growth Rating (41) in the Regional Banks industry is in the same range as FNB (48). This means that WTFC’s stock grew similarly to FNB’s over the last 12 months.
| FNB | WTFC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 52% | 2 days ago 67% |
| Stochastic ODDS (%) | 2 days ago 52% | 2 days ago 61% |
| Momentum ODDS (%) | 2 days ago 62% | 2 days ago 78% |
| MACD ODDS (%) | 2 days ago 71% | 2 days ago 67% |
| TrendWeek ODDS (%) | 2 days ago 57% | 2 days ago 70% |
| TrendMonth ODDS (%) | 2 days ago 51% | 2 days ago 64% |
| Advances ODDS (%) | 2 days ago 55% | 2 days ago 67% |
| Declines ODDS (%) | 13 days ago 57% | 13 days ago 62% |
| BollingerBands ODDS (%) | 2 days ago 73% | 2 days ago 60% |
| Aroon ODDS (%) | 2 days ago 60% | 2 days ago 64% |
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FNB and
Correlation & Price change
A.I.dvisor indicates that over the last year, FNB has been closely correlated with ASB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNB jumps, then ASB could also see price increases.
| Ticker / NAME | Correlation To FNB | 1D Price Change % | ||
|---|---|---|---|---|
| FNB | 100% | +1.91% | ||
| ASB - FNB | 91% Closely correlated | +2.07% | ||
| ZION - FNB | 91% Closely correlated | +1.22% | ||
| ONB - FNB | 90% Closely correlated | +1.82% | ||
| WTFC - FNB | 89% Closely correlated | +2.18% | ||
| FULT - FNB | 89% Closely correlated | +1.59% | ||
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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 89% 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% | +2.18% | ||
| FNB - WTFC | 89% Closely correlated | +1.91% | ||
| ASB - WTFC | 87% Closely correlated | +2.07% | ||
| ZION - WTFC | 86% Closely correlated | +1.22% | ||
| HWC - WTFC | 86% Closely correlated | +1.36% | ||
| FULT - WTFC | 86% Closely correlated | +1.59% | ||
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