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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) operates as a regional bank holding company focused on community banking, wealth management, and insurance across multiple states in the Mid-Atlantic and Southeast.
- Wintrust Financial Corporation (WTFC) provides community-oriented banking services primarily in the Midwest, with a broader scale reflected in its larger market capitalization.
- Both stocks have shown sensitivity to interest rate environments and regional economic conditions in recent market activity, with performance influenced by net interest income trends and credit quality metrics.
- Recent quarterly earnings releases for each company highlighted execution on technology initiatives and deposit strategies amid ongoing sector pressures.
- Relative positioning between the two reflects trade-offs in geographic exposure, asset size, and growth drivers within the regional banking sector.
- Market sentiment for both has been shaped by broader financial sector dynamics, including regulatory considerations and economic data releases over recent weeks.
Introduction
Regional bank stocks such as F.N.B. Corporation (FNB) and Wintrust Financial Corporation (WTFC) offer investors exposure to community-focused lending and deposit-taking activities that respond to local economies and interest rate cycles. This comparison examines their business models, recent performance patterns, and relative positioning to assist portfolio managers, institutional traders, and individual investors evaluating financial sector allocations. The analysis highlights contrasts in scale, geographic reach, and operational focus that may influence risk-return profiles during varying market conditions. Readers seeking data-driven insights into how these names stack up within the regional banking space will find this overview particularly relevant for informed decision-making.
F.N.B. Corporation (FNB) Overview and Recent Performance
F.N.B. Corporation (FNB) serves as a diversified financial holding company offering community banking, wealth management, and insurance services primarily to consumers, small businesses, and governments across states including Pennsylvania, Ohio, and others in the Mid-Atlantic and Southeast regions. In recent market activity, the stock has reflected typical regional bank sensitivities to interest rate movements and credit demand. Earnings commentary in recent weeks emphasized technology-driven efficiency gains and stable deposit bases, supporting sentiment amid sector-wide focus on net interest margins. Performance has been shaped by broader economic indicators and competitive pressures in commercial lending, resulting in measured price behavior consistent with peer institutions.
Wintrust Financial Corporation (WTFC) Overview and Recent Performance
Wintrust Financial Corporation (WTFC) operates as a financial holding company delivering community-oriented personal and commercial banking services, with a primary footprint in the Midwest. Recent market activity has seen the stock respond to similar sector influences, including interest rate expectations and local economic conditions. Quarterly results highlighted in recent weeks noted record-level net income contributions and pre-tax, pre-provision income trends, alongside continued emphasis on client acquisition and risk management. Sentiment has been supported by consistent execution on growth initiatives, though tempered by the same macroeconomic variables affecting regional banks broadly, leading to comparable volatility patterns.
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Head-to-Head Comparison
F.N.B. Corporation (FNB) and Wintrust Financial Corporation (WTFC) both operate within the regional banking sector but differ in scale and geographic emphasis. F.N.B. Corporation (FNB) maintains a more dispersed branch network across multiple regions, potentially offering diversified exposure to varied local economies, while Wintrust Financial Corporation (WTFC) concentrates activity in the Midwest with a larger overall asset base. Growth drivers for F.N.B. Corporation (FNB) include expansion in wealth management and insurance segments alongside core lending, whereas Wintrust Financial Corporation (WTFC) has demonstrated strength in commercial banking relationships and wealth management inflows. Recent momentum for both has aligned with sector responses to rate environments, though Wintrust Financial Corporation (WTFC) has shown somewhat higher share price levels reflecting its market capitalization. Risk factors such as credit quality and net interest income compression affect each similarly, yet trade-offs emerge in operational efficiency metrics and capital positioning. Market sentiment remains tied to macroeconomic releases, with neither exhibiting outlier positioning relative to peers in recent weeks.
Tickeron AI Verdict
Based on observable factors including trend consistency in recent price action, relative stability in earnings metrics, and positioning within broader sector catalysts, Tickeron’s AI models would currently assign a modestly higher probability of favorable near-term behavior to Wintrust Financial Corporation (WTFC). This assessment stems from its demonstrated scale advantages and consistent pre-provision income trends amid comparable market conditions, though outcomes remain probabilistic and subject to evolving economic data.
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 Hold 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).
FNB’s FA Score shows that 2 FA rating(s) are green whileWTFC’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 3 TA indicator(s) are bullish while WTFC’s TA Score has 3 bullish TA indicator(s).
- FNB’s TA Score: 3 bullish, 4 bearish.
- WTFC’s TA Score: 3 bullish, 5 bearish.
Price Growth
FNB (@Regional Banks) experienced а -3.18% price change this week, while WTFC (@Regional Banks) price change was -5.47% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.13%. For the same industry, the average monthly price growth was +2.88%, and the average quarterly price growth was +14.56%.
Reported Earning Dates
FNB is expected to report earnings on Oct 15, 2026.
WTFC is expected to report earnings on Oct 20, 2026.
Industries' Descriptions
@Regional Banks (-0.13% 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 | 6.72B | 10.6B | 63% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 11.969 | 13.659 | 88% |
| P/E Ratio | 11.23 | 12.68 | 89% |
| Revenue | 1.8B | 2.8B | 65% |
| Total Cash | 452M | 468M | 97% |
| Total Debt | 3.14B | 4.34B | 72% |
FNB | WTFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 30 | 65 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 43 Fair valued | 65 Fair valued | |
PROFIT vs RISK RATING 1..100 | 32 | 23 | |
SMR RATING 1..100 | 21 | 15 | |
PRICE GROWTH RATING 1..100 | 47 | 48 | |
P/E GROWTH RATING 1..100 | 59 | 48 | |
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 (43) in the Regional Banks industry is in the same range as WTFC (65). 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 (32). 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 (21). This means that WTFC’s stock grew similarly to FNB’s over the last 12 months.
FNB's Price Growth Rating (47) in the Regional Banks industry is in the same range as WTFC (48). This means that FNB’s stock grew similarly to WTFC’s over the last 12 months.
WTFC's P/E Growth Rating (48) in the Regional Banks industry is in the same range as FNB (59). This means that WTFC’s stock grew similarly to FNB’s over the last 12 months.
| FNB | WTFC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 70% | 2 days ago 64% |
| Stochastic ODDS (%) | 2 days ago 63% | 2 days ago 62% |
| Momentum ODDS (%) | 2 days ago 67% | 2 days ago 61% |
| MACD ODDS (%) | 2 days ago 54% | 2 days ago 65% |
| TrendWeek ODDS (%) | 2 days ago 60% | 2 days ago 59% |
| TrendMonth ODDS (%) | 2 days ago 53% | 2 days ago 66% |
| Advances ODDS (%) | 9 days ago 57% | 9 days ago 68% |
| Declines ODDS (%) | 5 days ago 56% | 2 days ago 60% |
| BollingerBands ODDS (%) | N/A | 2 days ago 51% |
| Aroon ODDS (%) | 2 days ago 44% | 2 days ago 63% |
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FNB and
Correlation & Price change
A.I.dvisor indicates that over the last year, FNB has been closely correlated with ZION. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNB jumps, then ZION could also see price increases.
| Ticker / NAME | Correlation To FNB | 1D Price Change % | ||
|---|---|---|---|---|
| FNB | 100% | +0.05% | ||
| ZION - FNB | 90% Closely correlated | -1.30% | ||
| ASB - FNB | 90% Closely correlated | -1.43% | ||
| ONB - FNB | 90% Closely correlated | -1.06% | ||
| WTFC - FNB | 89% Closely correlated | -0.48% | ||
| HWC - FNB | 87% Closely correlated | -0.94% | ||
More | ||||