Wells Fargo & Company (WFC)vsWintrust Financial Corporation (WTFC)
WFC
Wells Fargo & Company
$83.15
-3.92%
FINANCIAL SERVICES · Cap: $273.04B
WTFC
Wintrust Financial Corporation
$147.08
-0.30%
FINANCIAL SERVICES · Cap: $9.92B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 2910% more annual revenue ($83.03B vs $2.76B). WTFC leads profitability with a 32.6% profit margin vs 27.2%. WTFC appears more attractively valued with a PEG of 1.17. WFC earns a higher WallStSmart Score of 76/100 (B+).
WFC
Strong Buy76
out of 100
Grade: B+
WTFC
Strong Buy75
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 37.4%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.1%
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : WTFC
The strongest argument for WTFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.6% and operating margin at 46.1%. Revenue growth of 10.2% demonstrates continued momentum.
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.
Bear Case : WTFC
The primary concerns for WTFC are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 0.92 — expect wider price swings.
WTFC is growing revenue faster at 10.2% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WFC scores higher overall (76/100 vs 75/100), backed by strong 27.2% 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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