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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 mid-cap regional banks exhibiting similar year-to-date gains around 8%, reflecting resilience in the sector.
- WTFC reported record Q1 net income with strong loan and deposit growth, boosting recent momentum.
- ZION offers a lower P/E ratio (9.72) and higher dividend yield (2.87%), appealing for value-oriented investors.
- Relative performance shows ZION outperforming over the past year (44% vs. 36% for WTFC).
- Low betas (WTFC 0.86, ZION 0.80) indicate stability compared to broader market volatility.
- Positive regional banking sentiment supports both amid interest rate dynamics and economic recovery signals.
Introduction
Wintrust Financial Corporation (WTFC) and Zions Bancorporation, National Association (ZION) represent prominent mid-cap regional banks navigating a dynamic financial landscape marked by interest rate adjustments and economic shifts. This stock comparison analyzes their business models, recent performance, and market positioning, offering insights for traders seeking short-term opportunities and long-term investors focused on regional banking stability, dividend reliability, and growth potential in community lending sectors. With both stocks sensitive to net interest income (NII, revenue from interest-earning assets minus interest expenses), understanding their relative strengths aids portfolio diversification in the financial sector.
WTFC Overview and Recent Performance
Wintrust Financial Corporation (WTFC), headquartered in Rosemont, Illinois, operates as a financial holding company focused on community banking, specialty finance, and wealth management primarily in the Chicago metropolitan area. Its segments include community banking with deposits and loans, specialty finance for insurance premiums and equipment leasing, and wealth management services. In recent market activity, WTFC shares have traded around $150, with a market cap of approximately $10.15 billion and a P/E ratio of 12.63. The stock experienced upward momentum following a Q1 earnings beat, reporting record net income of $227 million, EPS of $3.22 exceeding estimates, and revenue growth of 11% year-over-year, driven by 7% annualized loan and deposit expansion. Positive sentiment stems from robust return on assets (1.25%) and controlled credit quality, though shares pulled back modestly amid broader sector rotations.
ZION Overview and Recent Performance
Zions Bancorporation, National Association (ZION), based in Salt Lake City, Utah, delivers banking services across western and southwestern U.S. states through brands like Zions Bank and Amegy Bank. It emphasizes commercial real estate lending, small business banking, retail services, and wealth management. Trading near $63 with a market cap of about $9.21 billion and a trailing P/E of 9.72, ZION has maintained steady performance in recent weeks. Regional banking optimism, including positive investor reactions to Q1 results and sector rebounds, has supported shares, with year-to-date returns aligning closely with peers. Higher return on equity (14.12%) and a 2.87% dividend yield reflect efficient capital use and shareholder returns, though exposure to interest rate changes influences net interest margin stability.
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Head-to-Head Comparison
In business models, WTFC emphasizes Illinois-centric community and specialty lending, contrasting ZION’s multi-state footprint in the West, providing broader geographic diversification but potentially higher operational complexity. Growth drivers include WTFC’s deposit momentum versus ZION’s commercial real estate focus. Recent momentum favors WTFC post-earnings surge, while ZION edges in one-year returns. Risk factors are muted with low betas, though both face NII pressures from rates; ZION offers better valuation trade-offs via lower P/E and higher ROE (return on equity, profitability relative to shareholders’ equity). Market sentiment remains constructive for regional banks, balancing stability and yield.
Tickeron AI Verdict
Tickeron’s AI currently leans toward ZION due to its attractive valuation, superior one-year relative performance, higher ROE, and dividend appeal, positioning it favorably amid ongoing regional banking recovery and potential rate stabilization. While WTFC shows strong growth catalysts, ZION’s metrics suggest higher probability of outperformance in the near term based on trend consistency and risk-adjusted stability.
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 WTFC is a Hold 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 2 green FA rating(s).
- WTFC’s FA Score: 2 green, 3 red.
- ZION’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.
WTFC’s TA Score shows that 4 TA indicator(s) are bullish while ZION’s TA Score has 4 bullish TA indicator(s).
- WTFC’s TA Score: 4 bullish, 4 bearish.
- ZION’s TA Score: 4 bullish, 4 bearish.
Price Growth
WTFC (@Regional Banks) experienced а -1.12% price change this week, while ZION (@Regional Banks) price change was -0.41% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.10%. For the same industry, the average monthly price growth was +6.29%, and the average quarterly price growth was +10.68%.
Reported Earning Dates
WTFC is expected to report earnings on Jul 22, 2026.
ZION is expected to report earnings on Jul 20, 2026.
Industries' Descriptions
@Regional Banks (-0.10% 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 | 10.4B | 9.73B | 107% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 11.022 | 14.714 | 75% |
| P/E Ratio | 12.92 | 10.27 | 126% |
| Revenue | 2.8B | 3.44B | 81% |
| Total Cash | 468M | 683M | 69% |
| Total Debt | 4.34B | 1.96B | 221% |
WTFC | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 20 | 42 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 70 Overvalued | 63 Fair valued | |
PROFIT vs RISK RATING 1..100 | 24 | 75 | |
SMR RATING 1..100 | 15 | 13 | |
PRICE GROWTH RATING 1..100 | 46 | 18 | |
P/E GROWTH RATING 1..100 | 43 | 45 | |
SEASONALITY SCORE 1..100 | 50 | 85 |
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 (70). This means that ZION’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 somewhat better than the same rating for ZION (75). This means that WTFC’s stock grew somewhat faster than ZION’s over the last 12 months.
ZION's SMR Rating (13) in the Regional Banks industry is in the same range as WTFC (15). This means that ZION’s stock grew similarly to WTFC’s over the last 12 months.
ZION's Price Growth Rating (18) in the Regional Banks industry is in the same range as WTFC (46). 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 (45). This means that WTFC’s stock grew similarly to ZION’s over the last 12 months.
| WTFC | ZION | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 59% | 3 days ago 65% |
| Stochastic ODDS (%) | 3 days ago 59% | 3 days ago 61% |
| Momentum ODDS (%) | 3 days ago 78% | 3 days ago 66% |
| MACD ODDS (%) | 3 days ago 72% | 3 days ago 78% |
| TrendWeek ODDS (%) | 3 days ago 60% | 3 days ago 64% |
| TrendMonth ODDS (%) | 3 days ago 64% | 3 days ago 64% |
| Advances ODDS (%) | 9 days ago 67% | 9 days ago 67% |
| Declines ODDS (%) | 20 days ago 62% | 3 days ago 68% |
| BollingerBands ODDS (%) | 3 days ago 55% | 3 days ago 63% |
| Aroon ODDS (%) | 3 days ago 62% | 3 days ago 63% |
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WTFC and
Correlation & Price change
A.I.dvisor indicates that over the last year, WTFC 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 WTFC jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To WTFC | 1D Price Change % | ||
|---|---|---|---|---|
| WTFC | 100% | +0.10% | ||
| FNB - WTFC | 90% Closely correlated | +0.72% | ||
| ASB - WTFC | 87% Closely correlated | +0.90% | ||
| HWC - WTFC | 86% Closely correlated | +0.67% | ||
| ZION - WTFC | 86% Closely correlated | +0.03% | ||
| FULT - WTFC | 86% Closely correlated | +0.93% | ||
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