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WTFC vs ZION
Which Stock Would AI Choose? Wintrust Financial Corporation (WTFC) vs. Zions Bancorporation, National Association (ZION) Stock Comparison
Key Takeaways
- Both WTFC and ZION are regional banks with exposure to commercial lending and deposit gathering in distinct U.S. markets.
- WTFC reported record first-quarter 2026 net income and announced an acquisition of Northern Trust’s guardianship services business in early July 2026, supporting recent positive momentum.
- ZION delivered first-quarter 2026 earnings per share above consensus estimates and authorized a share repurchase program in late April 2026.
- Second-quarter 2026 earnings for WTFC are scheduled for release after market close on July 20, 2026, providing near-term catalysts for both names.
- Relative performance in recent weeks has reflected broader regional banking sector sentiment amid interest-rate expectations and economic data releases.
- Risk factors for both include credit quality in commercial real estate and sensitivity to net interest margin compression or expansion.
Introduction
Regional bank stocks WTFC and ZION offer investors exposure to commercial and retail banking activities across different geographic footprints. This comparison highlights differences in business mix, recent earnings trends, and market positioning that may interest active traders monitoring sector rotation as well as longer-term investors evaluating relative value within financials. Both companies operate in an environment shaped by monetary policy, loan demand, and deposit competition.
WTFC Overview and Recent Performance
Wintrust Financial Corporation operates community banks and specialty financial services primarily in the Midwest, with emphasis on commercial lending, wealth management, and premium finance. In recent market activity, the stock has responded to the company’s April 2026 report of record first-quarter net income of $227.4 million. Additional support came from the July 6, 2026 announcement of an agreement to acquire Northern Trust’s guardianship services business, expanding fee-income capabilities. Second-quarter 2026 results are due after the close on July 20, 2026. Broader sentiment has been influenced by stable deposit trends and diversified revenue streams amid fluctuating interest-rate expectations.
ZION Overview and Recent Performance
Zions Bancorporation, National Association provides banking services across the western and southwestern United States, with significant commercial real estate and small-business lending exposure. Recent performance has been supported by first-quarter 2026 earnings per share of $1.56, which exceeded analyst estimates. In late April 2026 the board approved a share repurchase authorization and declared dividends on common and preferred stock. Market reaction in recent weeks has reflected ongoing monitoring of credit metrics and net interest income trends within the regional banking group.
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Head-to-Head Comparison
Wintrust Financial Corporation maintains a Midwest-centric footprint with notable wealth-management and specialty-finance revenue streams, whereas Zions Bancorporation, National Association concentrates on western-state commercial lending. Growth drivers differ accordingly: WTFC benefits from recent acquisition activity and diversified non-interest income, while ZION emphasizes share repurchases and traditional net interest margin management. Recent momentum favors WTFC on the back of record quarterly results and the July acquisition news, whereas ZION has seen steadier support from capital-return initiatives. Risk profiles include commercial real estate concentrations for both, with ZION carrying greater western-market sensitivity and WTFC additional premium-finance cyclicality. Market sentiment for the pair tracks regional-bank indices and Federal Reserve communications on rates.
Tickeron AI Verdict
Based on observable factors such as recent earnings consistency, acquisition-related catalysts, and positioning within the regional banking sector, Tickeron’s AI models currently assign a modestly higher probability of favorable relative performance to WTFC over the near term, subject to confirmation in upcoming quarterly results.
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 WTFC is a Buy and ZION is a Hold.
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).
WTFC’s FA Score shows that 2 FA rating(s) are green whileZION’s FA Score has 1 green FA rating(s).
- WTFC’s FA Score: 2 green, 3 red.
- ZION’s FA Score: 1 green, 4 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.
WTFC’s TA Score shows that 3 TA indicator(s) are bullish while ZION’s TA Score has 3 bullish TA indicator(s).
- WTFC’s TA Score: 3 bullish, 5 bearish.
- ZION’s TA Score: 3 bullish, 5 bearish.
Price Growth
WTFC (@Regional Banks) experienced а +0.55% price change this week, while ZION (@Regional Banks) price change was +0.59% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.19%. For the same industry, the average monthly price growth was +0.68%, and the average quarterly price growth was +13.65%.
Reported Earning Dates
WTFC is expected to report earnings on Oct 20, 2026.
ZION is expected to report earnings on Oct 19, 2026.
Industries' Descriptions
@Regional Banks (+1.19% 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.
| WTFC | ZION | WTFC / ZION | |
| Capitalization | 10.8B | 10.2B | 106% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 14.934 | 20.833 | 72% |
| P/E Ratio | 12.81 | 8.88 | 144% |
| Revenue | 2.8B | 3.44B | 81% |
| Total Cash | 468M | 683M | 69% |
| Total Debt | 4.34B | 1.96B | 221% |
WTFC | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 67 | 84 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 66 Overvalued | 63 Fair valued | |
PROFIT vs RISK RATING 1..100 | 20 | 68 | |
SMR RATING 1..100 | 16 | 14 | |
PRICE GROWTH RATING 1..100 | 47 | 44 | |
P/E GROWTH RATING 1..100 | 43 | 62 | |
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.
ZION's Valuation (63) in the Regional Banks industry is in the same range as WTFC (66). This means that ZION’s stock grew similarly to WTFC’s over the last 12 months.
WTFC's Profit vs Risk Rating (20) in the Regional Banks industry is somewhat better than the same rating for ZION (68). This means that WTFC’s stock grew somewhat faster than ZION’s over the last 12 months.
ZION's SMR Rating (14) in the Regional Banks industry is in the same range as WTFC (16). This means that ZION’s stock grew similarly to WTFC’s over the last 12 months.
ZION's Price Growth Rating (44) in the Regional Banks industry is in the same range as WTFC (47). This means that ZION’s stock grew similarly to WTFC’s over the last 12 months.
WTFC's P/E Growth Rating (43) in the Regional Banks industry is in the same range as ZION (62). This means that WTFC’s stock grew similarly to ZION’s over the last 12 months.
| WTFC | ZION | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 68% | 3 days ago 74% |
| Stochastic ODDS (%) | 3 days ago 75% | 3 days ago 74% |
| Momentum ODDS (%) | 3 days ago 60% | 3 days ago 66% |
| MACD ODDS (%) | 3 days ago 47% | 3 days ago 63% |
| TrendWeek ODDS (%) | 3 days ago 71% | 3 days ago 69% |
| TrendMonth ODDS (%) | 3 days ago 60% | 3 days ago 64% |
| Advances ODDS (%) | 6 days ago 68% | 3 days ago 68% |
| Declines ODDS (%) | 11 days ago 60% | 13 days ago 67% |
| BollingerBands ODDS (%) | 3 days ago 53% | 3 days ago 73% |
| Aroon ODDS (%) | 3 days ago 65% | 3 days ago 63% |
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ZION and
Correlation & Price change
A.I.dvisor indicates that over the last year, ZION has been closely correlated with FNB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if ZION jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To ZION | 1D Price Change % | ||
|---|---|---|---|---|
| ZION | 100% | +0.35% | ||
| FNB - ZION | 90% Closely correlated | -0.47% | ||
| ONB - ZION | 88% Closely correlated | +0.87% | ||
| KEY - ZION | 87% Closely correlated | -0.09% | ||
| WTFC - ZION | 86% Closely correlated | -0.07% | ||
| CFG - ZION | 86% Closely correlated | -0.11% | ||
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