Wells Fargo & Company (WFC)vsZions Bancorporation (ZION)
WFC
Wells Fargo & Company
$80.42
+0.66%
FINANCIAL SERVICES · Cap: $247.29B
ZION
Zions Bancorporation
$63.99
+1.36%
FINANCIAL SERVICES · Cap: $9.30B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 2292% more annual revenue ($81.14B vs $3.39B). ZION leads profitability with a 28.4% profit margin vs 26.7%. WFC appears more attractively valued with a PEG of 1.44. WFC earns a higher WallStSmart Score of 74/100 (B).
WFC
Strong Buy74
out of 100
Grade: B
ZION
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 36.1%
Keeps 28 of every $100 in revenue as profit
Earnings expanding 38.1% YoY
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bull Case : ZION
The strongest argument for ZION centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.4% and operating margin at 36.1%. Revenue growth of 10.2% demonstrates continued momentum.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Bear Case : ZION
The primary concerns for ZION are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 1.06 — expect wider price swings.
ZION is growing revenue faster at 10.2% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WFC scores higher overall (74/100 vs 73/100), backed by strong 26.7% 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.
Zions Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Zions Bancorporation is a bank holding company headquartered in Salt Lake City, Utah.
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