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RF vs WTFC
Which Stock Would AI Choose? Regions Financial Corporation (RF) vs. Wintrust Financial Corporation (WTFC) Stock Comparison
Key Takeaways
- Both RF and WTFC delivered Q1 2026 earnings beats, with RF posting $0.62 EPS and WTFC achieving $3.22 EPS, reflecting robust regional banking health.
- RF offers a higher dividend yield at 3.74% compared to WTFC's 1.42%, appealing to income-focused investors.
- Recent momentum shows both stocks up over 10% in the past month, with WTFC slightly ahead YTD at +6.79% versus RF's +5.47%.
- RF trades at a lower P/E ratio of 11.75 versus WTFC's 13.05, suggesting relative value in the larger-cap bank.
- Tickeron's AI robots highlight diverse strategies across hundreds of bots, with top performers showing annualized returns up to 167%.
Introduction
Regions Financial Corporation (RF) and Wintrust Financial Corporation (WTFC) are prominent regional banks navigating a dynamic economic landscape marked by interest rate shifts and loan demand fluctuations. This stock comparison analyzes their business models, recent performance, and market positioning, offering insights for traders seeking momentum plays and investors eyeing value in the financial sector. With both reporting strong quarterly results amid broader banking resilience, understanding their relative strengths aids portfolio diversification in regional banking exposure.
RF Overview and Recent Performance
Regions Financial Corporation (RF), headquartered in Birmingham, Alabama, operates through Corporate Bank, Consumer Bank, and Wealth Management segments, serving customers primarily in the Southeast U.S. with commercial lending, deposits, and wealth services. In recent market activity, RF shares have gained over 10% in the past month, supported by Q1 2026 earnings that topped EPS estimates at $0.62 (versus expectations) on $1.89 billion revenue, driven by higher net interest income (NII, revenue from interest-bearing assets minus interest expenses) and loan growth. Sentiment has improved on solid credit metrics and operational efficiency, though deposit costs remain a watchpoint. Trading near $28.31 with a $24 billion market cap, RF reflects stability in a volatile sector.
WTFC Overview and Recent Performance
Wintrust Financial Corporation (WTFC), based in Rosemont, Illinois, focuses on community banking, specialty finance, and wealth management, targeting the Midwest with deposits, loans, insurance premium financing, and equipment leasing. Recent weeks have seen WTFC shares rise about 11% monthly, fueled by Q1 2026 results exceeding forecasts: EPS of $3.22 (beating $2.96 estimate) and revenue growth of 10.9% year-over-year, bolstered by a net interest margin (NIM, NII as percentage of interest-earning assets) expansion to 3.54%. Positive investor reaction stems from record quarterly earnings and growth in specialty lending, despite broader margin pressures. At around $148.79 and a $10 billion market cap, WTFC shows agile performance.
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Head-to-Head Comparison
Both RF and WTFC thrive as regional banks but differ in scale and focus: RF's larger $24B market cap offers liquidity and Southeast commercial exposure, while WTFC's $10B cap emphasizes Midwest community and specialty finance growth drivers like premium financing. Recent momentum is comparable, yet WTFC edges on EPS surprise and NIM expansion versus RF's NII strength. Risk factors include interest rate sensitivity and deposit competition for both, with RF providing higher dividend yield (3.74% vs. 1.42%) and lower P/E (11.75 vs. 13.05) for value, while WTFC shows superior YTD returns and loan diversification. Market sentiment favors stability in RF amid sector recovery.
Tickeron AI Verdict
Tickeron's AI models currently lean toward RF with moderate conviction, citing its lower valuation multiples, higher yield, larger scale for stability, and consistent earnings trends in recent quarters. While WTFC demonstrates stronger short-term momentum and growth catalysts, RF's relative positioning suggests better risk-adjusted potential in the prevailing banking environment.
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 RF is a StrongBuy 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).
RF’s FA Score shows that 3 FA rating(s) are green whileWTFC’s FA Score has 2 green FA rating(s).
- RF’s FA Score: 3 green, 2 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.
RF’s TA Score shows that 5 TA indicator(s) are bullish while WTFC’s TA Score has 4 bullish TA indicator(s).
- RF’s TA Score: 5 bullish, 3 bearish.
- WTFC’s TA Score: 4 bullish, 4 bearish.
Price Growth
RF (@Regional Banks) experienced а +1.00% 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 +2.84%. For the same industry, the average monthly price growth was +6.22%, and the average quarterly price growth was +14.48%.
Reported Earning Dates
RF is expected to report earnings on Jul 17, 2026.
WTFC is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Regional Banks (+2.84% 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.
| RF | WTFC | RF / WTFC | |
| Capitalization | 25.2B | 10.8B | 233% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 10.163 | 13.421 | 76% |
| P/E Ratio | 11.93 | 13.06 | 91% |
| Revenue | 7.62B | 2.8B | 272% |
| Total Cash | 3.45B | 468M | 736% |
| Total Debt | 5.14B | 4.34B | 118% |
RF | WTFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 20 | 26 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 33 Fair valued | 70 Overvalued | |
PROFIT vs RISK RATING 1..100 | 39 | 23 | |
SMR RATING 1..100 | 9 | 15 | |
PRICE GROWTH RATING 1..100 | 32 | 46 | |
P/E GROWTH RATING 1..100 | 43 | 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.
RF's Valuation (33) in the Major Banks industry is somewhat better than the same rating for WTFC (70) in the Regional Banks industry. This means that RF’s stock grew somewhat faster than 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 RF (39) in the Major Banks industry. This means that WTFC’s stock grew similarly to RF’s over the last 12 months.
RF's SMR Rating (9) in the Major Banks industry is in the same range as WTFC (15) in the Regional Banks industry. This means that RF’s stock grew similarly to WTFC’s over the last 12 months.
RF's Price Growth Rating (32) in the Major Banks industry is in the same range as WTFC (46) in the Regional Banks industry. This means that RF’s stock grew similarly to WTFC’s over the last 12 months.
RF's P/E Growth Rating (43) in the Major Banks industry is in the same range as WTFC (45) in the Regional Banks industry. This means that RF’s stock grew similarly to WTFC’s over the last 12 months.
| RF | WTFC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 65% | 2 days ago 67% |
| Stochastic ODDS (%) | 2 days ago 64% | 2 days ago 61% |
| Momentum ODDS (%) | 2 days ago 70% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 67% | 2 days ago 70% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 70% |
| TrendMonth ODDS (%) | 2 days ago 58% | 2 days ago 64% |
| Advances ODDS (%) | 2 days ago 62% | 2 days ago 67% |
| Declines ODDS (%) | 7 days ago 62% | 24 days ago 62% |
| BollingerBands ODDS (%) | N/A | 2 days ago 57% |
| Aroon ODDS (%) | 2 days ago 54% | 2 days ago 62% |
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