PNFP vs. WTFC

Last updated Apr 1, 2026

Compare and contrast key facts about Pinnacle Financial Partners, Inc. (PNFP) and Wintrust Financial Corporation (WTFC).

Performance

PNFP vs. WTFC - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Pinnacle Financial Partners, Inc. (PNFP) and Wintrust Financial Corporation (WTFC). The values are adjusted to include any dividend payments, if applicable.

PNFP vs. WTFC - Yearly Performance Comparison

	2026 (YTD)
PNFP Pinnacle Financial Partners, Inc.	-8.97%
WTFC Wintrust Financial Corporation	-2.27%

Fundamentals

Market Cap PNFP : $6.70B WTFC : $158.81M
EPS PNFP : $8.29 WTFC : $18.11
PE Ratio PNFP : 10.39 WTFC : 7.67
PEG Ratio PNFP : 1.65 WTFC : 0.71
PS Ratio PNFP : 2.28 WTFC : 1.54
PB Ratio PNFP : 0.98 WTFC : 0.02
Total Revenue (TTM) PNFP : $2.92B WTFC : $4.10B
Gross Profit (TTM) PNFP : $1.93B WTFC : $1.94B
EBITDA (TTM) PNFP : $837.81M WTFC : $921.45M

Returns By Period

PNFP

• 1D: 2.98%
• 1M: -5.09%
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

WTFC

• 1D: 4.04%
• 1M: -3.55%
• YTD: -0.28%
• 6M: 5.68%
• 1Y: 25.51%
• 3Y*: 26.18%
• 5Y*: 14.70%
• 10Y*: 13.79%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

PNFP vs. WTFC — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

WTFC

WTFC Risk / Return Rank: 67
WTFC Sharpe Ratio Rank: 69
WTFC Sortino Ratio Rank: 61
WTFC Omega Ratio Rank: 63
WTFC Calmar Ratio Rank: 70
WTFC Martin Ratio Rank: 72

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

PNFP vs. WTFC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Pinnacle Financial Partners, Inc. (PNFP) and Wintrust Financial Corporation (WTFC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	PNFP	WTFC	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	0.79	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.46	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.37	—
Sharpe Ratio (All Time) Calculated using the full available price history	-1.04	0.26	-1.29

Correlation

The correlation between PNFP and WTFC is 0.84, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.

Dividends

PNFP vs. WTFC - Dividend Comparison

PNFP's dividend yield for the trailing twelve months is around 0.58%, less than WTFC's 1.48% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
PNFP Pinnacle Financial Partners, Inc.	0.58%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
WTFC Wintrust Financial Corporation	1.48%	1.43%	1.44%	1.73%	1.61%	1.37%	1.83%	1.41%	1.14%	0.68%	0.66%	0.91%

Drawdowns

PNFP vs. WTFC - Drawdown Comparison

The maximum PNFP drawdown since its inception was -19.71%, smaller than the maximum WTFC drawdown of -83.58%. Use the drawdown chart below to compare losses from any high point for PNFP and WTFC.

Drawdown Indicators

	PNFP	WTFC	Difference
Max Drawdown Largest peak-to-trough decline	-19.71%	-83.58%	+63.87%
Max Drawdown (1Y) Largest decline over 1 year	—	-19.30%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-40.71%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-74.50%	—
Current Drawdown Current decline from peak	-15.76%	-13.89%	-1.87%
Average Drawdown Average peak-to-trough decline	-8.25%	-23.27%	+15.02%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	6.95%	—

Volatility

Volatility by Period

	PNFP	WTFC	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	7.77%	—
Volatility (6M) Calculated over the trailing 6-month period	—	20.85%	—
Volatility (1Y) Calculated over the trailing 1-year period	31.72%	32.29%	-0.57%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	31.72%	32.13%	-0.41%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	31.72%	37.43%	-5.71%

Financials

PNFP vs. WTFC - Profitability Comparison

The chart below illustrates the profitability comparison between Pinnacle Financial Partners, Inc. and Wintrust Financial Corporation over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

PNFP - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Pinnacle Financial Partners, Inc. reported a gross profit of 542.20M and revenue of 846.22M. Therefore, the gross margin over that period was 64.1%.

WTFC - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Wintrust Financial Corporation reported a gross profit of 0.00 and revenue of 956.33M. Therefore, the gross margin over that period was 0.0%.

PNFP - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Pinnacle Financial Partners, Inc. reported an operating income of 205.45M and revenue of 846.22M, resulting in an operating margin of 24.3%.

WTFC - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Wintrust Financial Corporation reported an operating income of 16.37M and revenue of 956.33M, resulting in an operating margin of 1.7%.

PNFP - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Pinnacle Financial Partners, Inc. reported a net income of 169.78M and revenue of 846.22M, resulting in a net margin of 20.1%.

WTFC - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Wintrust Financial Corporation reported a net income of 223.02M and revenue of 956.33M, resulting in a net margin of 23.3%.