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FULT vs WTFC
Which Stock Would AI Choose? Fulton Financial Corporation (FULT) vs. Wintrust Financial Corporation (WTFC) Stock Comparison
Key Takeaways
- FULT and WTFC both delivered strong one-year returns exceeding 44%, outperforming broader market indices in recent market activity.
- WTFC, with a market cap of approximately $10 billion, recently reported record Q1 net income of $227 million and EPS of $3.22, surpassing expectations.
- FULT, market cap around $4.3 billion, shows higher YTD gains at 15.5% versus WTFC's 6.8%, amid ongoing merger integration.
- Both exhibit solid profitability with ROA (return on assets) near 1.2% and ROE (return on equity) around 12%, reflecting resilience in the regional banking sector.
- Recent stock movements saw both rise in tandem, signaling positive sector sentiment.
- WTFC benefits from diversified segments including specialty finance, while FULT focuses on core community banking.
Introduction
Fulton Financial Corporation (FULT) and Wintrust Financial Corporation (WTFC) are prominent regional banks serving communities across the Mid-Atlantic and Midwest, respectively. This comparison analyzes their business models, recent performance, and market positioning amid evolving interest rates and economic conditions. Investors seeking exposure to regional banking—known for steady deposit growth and loan portfolios—may find value in evaluating relative momentum, profitability, and growth catalysts between these peers. Traders focused on sector rotation or dividend yields (FULT at 3.4%, WTFC at 1.4%) will appreciate insights into their head-to-head dynamics.
FULT Overview and Recent Performance
Fulton Financial Corporation (FULT) is a bank holding company offering consumer, commercial, and wealth management services through Fulton Bank, primarily in Pennsylvania, New Jersey, Maryland, and Delaware. With a market cap of $4.3 billion and shares trading around $22, FULT has seen YTD gains of 15.5% and one-year returns of 44.8%. Recent market activity shows upward momentum, including a recent session gain alongside peers, influenced by positive sector sentiment and anticipation of Q1 earnings on April 23. Key developments include the integration of Blue Foundry Bancorp following regulatory approvals, enhancing deposit base and market presence. Stable net interest income and expense controls have supported operating EPS around $0.52 in prior quarters, though analysts note potential Q1 declines amid broader funding pressures. Sentiment remains buoyed by a low P/E of 10.6 and dividend yield over 3%.
WTFC Overview and Recent Performance
Wintrust Financial Corporation (WTFC) operates as a financial holding company with community banking, specialty finance, and wealth management segments, centered in the Chicago area and surrounding states. Trading near $149 with a $10 billion market cap, WTFC posted YTD returns of 6.8% and one-year gains of 47.5%. Recent performance surged post-Q1 results, reporting record net income of $227 million (EPS $3.22, beating estimates), driven by 7% annualized loan growth, deposit expansion, and NIM (net interest margin) of 3.54%. Shares advanced in recent trading sessions amid sector strength. Provision for credit losses remained manageable at $30 million, with net charge-offs (NCO) at 14 basis points. These factors, alongside diversified revenue streams, have bolstered investor confidence, reflected in a P/E of 13.1 and analyst targets near $168.
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Head-to-Head Comparison
Both FULT and WTFC operate in regional banking, emphasizing commercial real estate loans, deposits, and community lending, but WTFC differentiates via specialty finance (e.g., insurance premium financing) and wealth management, contributing to higher revenue scale ($2.6B TTM vs. $1.3B). Growth drivers favor WTFC with recent loan and deposit acceleration, while FULT leverages M&A (mergers and acquisitions) like Blue Foundry for expansion. Recent momentum tilts to WTFC post-earnings beat, versus FULT's pre-earnings positioning. Risk factors are comparable: interest rate sensitivity, NCO levels (low teens bps), and CRE exposure, though both maintain CET1 (Common Equity Tier 1 capital) buffers. Market sentiment aligns with sector recovery, but WTFC's size offers relative stability.
Tickeron AI Verdict
Tickeron’s AI models would likely favor WTFC in the current environment, citing superior trend consistency from record earnings, robust loan growth, and NIM expansion as key catalysts. While FULT exhibits strong YTD relative performance and attractive valuation, WTFC's scale and recent stability position it probabilistically ahead for momentum traders.
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 FULT 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).
FULT’s FA Score shows that 2 FA rating(s) are green whileWTFC’s FA Score has 2 green FA rating(s).
- FULT’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.
FULT’s TA Score shows that 5 TA indicator(s) are bullish while WTFC’s TA Score has 4 bullish TA indicator(s).
- FULT’s TA Score: 5 bullish, 4 bearish.
- WTFC’s TA Score: 4 bullish, 4 bearish.
Price Growth
FULT (@Regional Banks) experienced а +0.66% price change this week, while WTFC (@Regional Banks) price change was -0.57% 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
FULT is expected to report earnings on Jul 21, 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.
| FULT | WTFC | FULT / WTFC | |
| Capitalization | 4.52B | 10.6B | 43% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 20.369 | 12.240 | 166% |
| P/E Ratio | 10.98 | 13.06 | 84% |
| Revenue | 1.33B | 2.8B | 47% |
| Total Cash | 271M | 468M | 58% |
| Total Debt | 1.25B | 4.34B | 29% |
FULT | WTFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 35 | 24 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 28 Undervalued | 70 Overvalued | |
PROFIT vs RISK RATING 1..100 | 43 | 24 | |
SMR RATING 1..100 | 23 | 15 | |
PRICE GROWTH RATING 1..100 | 44 | 46 | |
P/E GROWTH RATING 1..100 | 47 | 45 | |
SEASONALITY SCORE 1..100 | 85 | 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.
FULT's Valuation (28) in the Regional Banks industry is somewhat better than the same rating for WTFC (70). This means that FULT’s stock grew somewhat faster than WTFC’s over the last 12 months.
WTFC's Profit vs Risk Rating (24) in the Regional Banks industry is in the same range as FULT (43). This means that WTFC’s stock grew similarly to FULT’s over the last 12 months.
WTFC's SMR Rating (15) in the Regional Banks industry is in the same range as FULT (23). This means that WTFC’s stock grew similarly to FULT’s over the last 12 months.
FULT's Price Growth Rating (44) in the Regional Banks industry is in the same range as WTFC (46). This means that FULT’s stock grew similarly to WTFC’s over the last 12 months.
WTFC's P/E Growth Rating (45) in the Regional Banks industry is in the same range as FULT (47). This means that WTFC’s stock grew similarly to FULT’s over the last 12 months.
| FULT | WTFC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 68% | 2 days ago 67% |
| Stochastic ODDS (%) | 2 days ago 64% | 2 days ago 57% |
| Momentum ODDS (%) | 2 days ago 59% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 55% | 2 days ago 65% |
| TrendWeek ODDS (%) | 2 days ago 64% | 2 days ago 60% |
| TrendMonth ODDS (%) | 2 days ago 52% | 2 days ago 64% |
| Advances ODDS (%) | 2 days ago 60% | 2 days ago 67% |
| Declines ODDS (%) | 27 days ago 60% | 23 days ago 62% |
| BollingerBands ODDS (%) | 2 days ago 79% | 2 days ago 55% |
| Aroon ODDS (%) | 2 days ago 35% | 2 days ago 62% |
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