USB vs WTFC
U.S. Bancorp vs Wintrust Financial — AI-powered side-by-side comparison
VS
WTFC
Wintrust Financial
69
Buy
| Metric | USB | WTFC |
|---|
| AI Score |
70
|
69
|
| Price |
$63.92
|
$158.77
|
| P/E Ratio |
12.76×
|
12.57×
|
| ROE |
11.6%
|
11.3%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
63.8%
|
63.6%
|
| Debt / Equity |
1.42×
|
0.58×
|
| Dividend Yield |
3.3%
|
1.4%
|
| RSI (14) |
55.9
|
41.1
|
| Beta |
0.979
|
0.838
|
| Expected Upside |
—
|
+2.6%
|
AI Committee View
Current Innellis committee reasoning for USB versus WTFC.
USB leads by 1 points.
USB scores 70/100 (Buy) versus WTFC at 69/100 (Buy).
USB Committee View
100% agreement
5 analysts
The primary driver is 5 consecutive earnings beats -- consistent execution. The main limiting factor is 4 existing position pair(s) are highly correlated already. The committee is constructive but not yet at full conviction.
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
WTFC Committee View
67% agreement
6 analysts
The primary driver is revenue growing 79.3% yoy -- genuine top-line momentum. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 11.9 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Revenue growing 79.3% YoY -- genuine top-line momentum — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical