I think Rand was right about many things, but ultimately, I think it is her views on altruism and selfless sacrifice that render Objectivism non-viable as a socio-economic philosophy.
Ayn Rand was highly opinionated and offered her views on many things in venues ranging from lectures, magazine articles and even "The Tonight Show" with Johnny Carson. I've yet to find her thoughts on It's a Wonderful Life. There are plenty of opinion pieces of what others thought she would have thought about the film. One reason may be that during the 50s and early 60s, It's a Wonderful Life, which was not a box office hit, didn't have the widespread recognition that it subsequently got.
My take is that George Bailey is rather like the Eddie Willers character in Rand's Atlas Shurgged, a decent, honorable man but not exceptional. Unlike many, I see Henry F. Potter as a heroic figure in many ways. He overcame being a cripple to become "...the richest man in town" and was, evidently, well respected enough by people of Bedford Falls to run the draft board when WWII broke out. He attempted to bring sound business practices to the Bailey Building and Loan and apparently had most of the board of directors on his side until others intervened to put George in control. The plot device with his outright theft of the $8,000 and subsequent chicanery was designed to cast an otherwise prudent, sober-minded, quite exceptional man in an evil light.
According to the Surveillance of Hollywood FBI Files, in 1947 the FBI detected the taint of Communism in It's a Wonderful Life; what purports to be the original memo is at the cited link. Evidently Capra's film was based upon an earlier Russian work, The Letter. One portion of the FBI memo includes:
...the film represented a rather devious [means?] to discredit bankers by casting Lionel Barrymore as a "scrooge-type" so that he would be the most hated man in the picture. This, according to these sources, is a common trick of the Communists. [...] this picture deliberately maligned the upper class, attempting to show the people who had money were mean and despicable characters.
That said, I suspend my politics for the two-plus hours of the viewing and just enjoy it as a good yarn.