WallStSmart

Northern Trust Corporation (NTRS)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 814% more annual revenue ($83.03B vs $9.09B). WFC leads profitability with a 27.2% profit margin vs 24.7%. NTRS appears more attractively valued with a PEG of 1.06. NTRS earns a higher WallStSmart Score of 84/100 (A-).

NTRS

Exceptional Buy

84

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 6.3Quality: 5.0
Piotroski: 3/9Altman Z: -0.32

WFC

Strong Buy

76

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: -0.38

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NTRS6 strengths · Avg: 9.2/10
Operating MarginProfitability
42.5%10/10

Strong operational efficiency at 42.5%

Revenue GrowthGrowth
36.4%10/10

Revenue surging 36.4% year-over-year

EPS GrowthGrowth
98.6%10/10

Earnings expanding 98.6% YoY

Profit MarginProfitability
24.7%9/10

Keeps 25 of every $100 in revenue as profit

P/E RatioValuation
16.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

WFC6 strengths · Avg: 8.8/10
Market CapQuality
$273.04B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
37.4%10/10

Strong operational efficiency at 37.4%

Profit MarginProfitability
27.2%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

EPS GrowthGrowth
25.0%8/10

Earnings expanding 25.0% YoY

Areas to Watch

NTRS4 concerns · Avg: 2.5/10
Debt/EquityHealth
1.183/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-284.40M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.322/10

Distress zone — elevated risk

WFC3 concerns · Avg: 2.3/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.382/10

Distress zone — elevated risk

Debt/EquityHealth
2.551/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : NTRS

The strongest argument for NTRS centers on Operating Margin, Revenue Growth, EPS Growth. Profitability is solid with margins at 24.7% and operating margin at 42.5%. Revenue growth of 36.4% demonstrates continued momentum.

Bull Case : WFC

The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.

Bear Case : NTRS

The primary concerns for NTRS are Debt/Equity, Piotroski F-Score, Free Cash Flow.

Bear Case : WFC

The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.

Key Dynamics to Monitor

NTRS profiles as a growth stock while WFC is a mature play — different risk/reward profiles.

NTRS carries more volatility with a beta of 1.26 — expect wider price swings.

NTRS is growing revenue faster at 36.4% — sustainability is the question.

WFC generates stronger free cash flow (6.8B), providing more financial flexibility.

Bottom Line

NTRS scores higher overall (84/100 vs 76/100), backed by strong 24.7% margins and 36.4% revenue growth. Both earn "Exceptional 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.

Northern Trust Corporation

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Northern Trust Corporation is a financial services company headquartered in Chicago, Illinois that caters to corporations, institutional investors, and ultra high net worth individuals.

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.

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