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WBS vs WTFC
Which Stock Would AI Choose? Webster Financial Corporation (WBS) vs. Wintrust Financial Corporation (WTFC) Stock Comparison
Key Takeaways
- Both WBS and WTFC operate as regional banks with market caps around $10-12 billion and similar trailing P/E ratios near 12x, reflecting comparable valuations.
- WBS shows stronger year-to-date momentum at +14.7%, outperforming WTFC's +6.2%, amid broader regional bank recovery.
- WTFC reported record Q1 2026 net income of $227 million and EPS of $3.22, beating estimates with 11% revenue growth year-over-year.
- WBS faces a pending acquisition by Banco Santander, limiting Q1 earnings disclosure details and call.
- Recent market activity highlights deposit and loan growth for both, with WTFC adding $1.2 billion in deposits at an 8% annualized pace.
- Sector sentiment favors stable performers amid interest rate pressures, positioning both for relative outperformance in regional banking.
Introduction
This stock comparison examines WBS and WTFC, two regional banks navigating a dynamic financial landscape marked by interest rate stabilization and economic resilience. Investors tracking sector rotation or seeking exposure to Northeast and Midwest banking may find value in their relative performance. With similar profiles in commercial lending and deposit gathering, recent developments like earnings beats and strategic deals offer insights into momentum, risk, and market positioning. Traders can use this analysis to gauge short-term trends, while long-term holders assess growth drivers in a recovering economy.
WBS Overview and Recent Performance
Webster Financial Corporation (WBS) provides commercial banking, retail banking, and wealth management primarily in the Northeast U.S., with a focus on middle-market lending. In recent weeks, its stock has traded around $72, reflecting year-to-date gains of about 15% and a one-year return exceeding 50%, supported by broader regional bank rallies. Sentiment has been influenced by a pending acquisition by Banco Santander, S.A., announced earlier, which has shaped operational updates—including no Q1 2026 earnings call to prioritize the transaction. Prior quarters showed revenue beats, with Q4 2025 sales up nearly 4% year-over-year, bolstering confidence in net interest income (NII, revenue from interest-bearing assets minus interest expenses). Loan growth projections for 2026 remain at 5-7%, amid stable deposit trends.
WTFC Overview and Recent Performance
Wintrust Financial Corporation (WTFC) operates community banks, premium finance, and wealth management in the Midwest, emphasizing relationship-based lending. Its shares hover near $148, with year-to-date returns around 6% and one-year gains of 35%, trailing some peers but steady in volatile conditions. Recent market activity spotlighted robust Q1 2026 results, including record net income of $227 million—up from prior quarters—and revenue of $713 million, surpassing expectations by growing 11% year-over-year. Key drivers included $1.2 billion in deposit growth (annualized 8%) and resilient NII despite slight quarterly dips, reflecting strong credit quality and expense discipline. These factors have sustained positive sentiment.
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Head-to-Head Comparison
WBS and WTFC share regional banking models centered on NII and loan portfolios, but differ in geography—Northeast for WBS versus Midwest for WTFC—affecting exposure to local economies. Growth drivers contrast with WTFC's recent deposit acceleration versus WBS's merger-related loan projections. Recent momentum favors WBS on YTD returns, while WTFC edges on earnings stability. Risk factors include interest rate sensitivity and non-performing loans (NCO, net charge-offs), with both maintaining solid CET1 (Common Equity Tier 1 capital ratios). Market sentiment leans toward WTFC for operational catalysts amid WBS's acquisition uncertainty.
Tickeron AI Verdict
Tickeron’s AI currently favors WTFC for its trend consistency, record Q1 earnings, and deposit momentum, positioning it strongly relative to peers. WBS offers upside from potential merger synergies but carries near-term uncertainty. Probabilistic edges suggest monitoring both for sector shifts.
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 WBS 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).
WBS’s FA Score shows that 1 FA rating(s) are green whileWTFC’s FA Score has 2 green FA rating(s).
- WBS’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.
WBS’s TA Score shows that 4 TA indicator(s) are bullish while WTFC’s TA Score has 4 bullish TA indicator(s).
- WBS’s TA Score: 4 bullish, 3 bearish.
- WTFC’s TA Score: 4 bullish, 4 bearish.
Price Growth
WBS (@Regional Banks) experienced а +1.44% 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 +1.31%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +13.60%.
Reported Earning Dates
WBS is expected to report earnings on Jul 16, 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.
| WBS | WTFC | WBS / WTFC | |
| Capitalization | 12.3B | 10.6B | 116% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 21.923 | 13.421 | 163% |
| P/E Ratio | 12.48 | 13.06 | 96% |
| Revenue | 2.92B | 2.8B | 104% |
| Total Cash | 353M | 468M | 75% |
| Total Debt | 5.55B | 4.34B | 128% |
WBS | WTFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 32 | 24 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 61 Fair valued | 70 Overvalued | |
PROFIT vs RISK RATING 1..100 | 47 | 24 | |
SMR RATING 1..100 | 15 | 15 | |
PRICE GROWTH RATING 1..100 | 44 | 46 | |
P/E GROWTH RATING 1..100 | 47 | 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.
WBS's Valuation (61) in the Savings Banks industry is in the same range as WTFC (70) in the Regional Banks industry. This means that WBS’s stock grew similarly to 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 WBS (47) in the Savings Banks industry. This means that WTFC’s stock grew similarly to WBS’s over the last 12 months.
WTFC's SMR Rating (15) in the Regional Banks industry is in the same range as WBS (15) in the Savings Banks industry. This means that WTFC’s stock grew similarly to WBS’s over the last 12 months.
WBS's Price Growth Rating (44) in the Savings Banks industry is in the same range as WTFC (46) in the Regional Banks industry. This means that WBS’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 WBS (47) in the Savings Banks industry. This means that WTFC’s stock grew similarly to WBS’s over the last 12 months.
| WBS | WTFC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 61% | 2 days ago 67% |
| Stochastic ODDS (%) | 2 days ago 65% | 2 days ago 57% |
| Momentum ODDS (%) | 2 days ago 66% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 74% | 2 days ago 65% |
| TrendWeek ODDS (%) | 2 days ago 65% | 2 days ago 60% |
| TrendMonth ODDS (%) | 2 days ago 58% | 2 days ago 64% |
| Advances ODDS (%) | 2 days ago 64% | 2 days ago 67% |
| Declines ODDS (%) | N/A | 23 days ago 62% |
| BollingerBands ODDS (%) | 2 days ago 65% | 2 days ago 55% |
| Aroon ODDS (%) | 2 days ago 48% | 2 days ago 62% |
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