Wells Fargo & Company (WFC)vsWintrust Financial Corporation (WTFC)
WFC
Wells Fargo & Company
$83.96
-0.42%
FINANCIAL SERVICES · Cap: $250.35B
WTFC
Wintrust Financial Corporation
$151.72
-2.82%
FINANCIAL SERVICES · Cap: $10.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 2854% more annual revenue ($83.11B vs $2.81B). WTFC leads profitability with a 32.8% profit margin vs 27.6%. WTFC appears more attractively valued with a PEG of 1.17. WTFC earns a higher WallStSmart Score of 77/100 (B+).
WFC
Strong Buy74
out of 100
Grade: B
WTFC
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Attractively priced relative to earnings
Strong operational efficiency at 34.2%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 6.8B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.9%
Earnings expanding 21.2% YoY
Areas to Watch
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.2%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
Bull Case : WTFC
The strongest argument for WTFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.8% and operating margin at 46.9%. PEG of 1.17 suggests the stock is reasonably priced for its growth.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Bear Case : WTFC
The primary concerns for WTFC are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
WFC profiles as a value stock while WTFC is a mature play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.95 — expect wider price swings.
WTFC is growing revenue faster at 8.2% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WTFC scores higher overall (77/100 vs 74/100), backed by strong 32.8% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
Wintrust Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Wintrust Financial Corporation is a financial holding company. The company is headquartered in Rosemont, Illinois.
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