Is WTFCN or ZION more undervalued in 2026?

CirclFi compares Wintrust Financial Corporation (WTFCN) and Zions Bancorporation N.A. (ZION) using 13 institutional-grade valuation models. WTFCN has a Quality of Company score of 9.0/10 while ZION scores 5.6/10.

Which is a better buy — WTFCN or ZION?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do WTFCN and ZION valuations compare?

WTFCN at $26.23 and ZION at $62.24 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

WTFCN vs ZION Valuation Comparison 2026 — Intrinsic Value Analysis

WTFCN

Banks - Regional

Wintrust Financial Corporation

Quality

9.0

out of 10

Value Trap

—

Price

$26.23

Last close

Models

7/13

Active

ZION

Banks - Regional

Zions Bancorporation N.A.

Quality

5.6

out of 10

Value Trap

SAFE

Price

$62.24

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	WTFCN Fair Value	WTFCN Upside	ZION Fair Value	ZION Upside
Bayesian DCF	Intrinsic	$61.43	+134.2%	$32.51	-47.8%
Earnings Power Value	Intrinsic	$146.16	+457.3%	$42.26	-32.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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WTFCN vs ZION — Which Stock Is More Undervalued?

WTFCN scores higher with a 9.0/10 quality rating vs ZION's 5.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Wintrust Financial Corporation (WTFCN) and Zions Bancorporation N.A. (ZION) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

WTFCN currently trades at $26.23 with a QOC of 9.0/10, while ZION trades at $62.24 with a QOC of 5.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).