WTFC vs. CFR
WTFC (Wintrust Financial Corporation) and CFR (Cullen/Frost Bankers, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, WTFC returned 12.69%/yr vs 10.59%/yr for CFR. A 0.61 correlation means they provide meaningful diversification when combined.
Performance
WTFC vs. CFR - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, WTFC achieves a 9.86% return, which is significantly lower than CFR's 10.47% return. Over the past 10 years, WTFC has outperformed CFR with an annualized return of 12.69%, while CFR has yielded a comparatively lower 10.59% annualized return.
WTFC
- 1D
- 3.02%
- 1M
- 1.73%
- YTD
- 9.86%
- 6M
- 12.52%
- 1Y
- 29.10%
- 3Y*
- 34.55%
- 5Y*
- 15.34%
- 10Y*
- 12.69%
CFR
- 1D
- 2.67%
- 1M
- -1.12%
- YTD
- 10.47%
- 6M
- 10.01%
- 1Y
- 12.31%
- 3Y*
- 12.97%
- 5Y*
- 5.63%
- 10Y*
- 10.59%
WTFC vs. CFR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
WTFC Wintrust Financial Corporation | 9.86% | 13.94% | 36.83% | 12.00% | -5.54% | 51.10% | -11.77% | 8.16% | -18.56% | 14.36% |
CFR Cullen/Frost Bankers, Inc. | 10.47% | -2.76% | 27.86% | -16.06% | 8.66% | 48.17% | -7.58% | 14.60% | -4.84% | 9.93% |
Correlation
The correlation between WTFC and CFR is 0.77, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.77 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.80 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.81 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.81 |
Correlation (All Time) Calculated using the full available price history since Apr 17, 1998 | 0.61 |
The correlation between WTFC and CFR shifts across timeframes, from 0.61 (all time) to 0.81 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
WTFC:
$16.92
CFR:
$13.92
WTFC:
9.01
CFR:
9.90
WTFC:
0.83
CFR:
0.91
WTFC:
1.87
CFR:
2.37
WTFC:
$4.15B
CFR:
$2.79B
WTFC:
$2.01B
CFR:
$1.66B
WTFC:
$943.92M
CFR:
$658.50M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
WTFC vs. CFR — Risk / Return Rank
WTFC
CFR
WTFC vs. CFR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Wintrust Financial Corporation (WTFC) and Cullen/Frost Bankers, Inc. (CFR). 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.
| WTFC | CFR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.56 | ||
| Sortino ratioReturn per unit of downside risk | +0.72 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.11 | +0.09 |
| Calmar ratioReturn relative to maximum drawdown | 1.51 | 0.95 | +0.56 |
| Martin ratioReturn relative to average drawdown | 4.05 | 1.88 | +2.18 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| WTFC | CFR | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.12 | 0.56 | +0.56 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.48 | 0.19 | +0.30 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.34 | 0.32 | +0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.27 | 0.46 | -0.20 |
Drawdowns
WTFC vs. CFR - Drawdown Comparison
The maximum WTFC drawdown since its inception was -83.58%, which is greater than CFR's maximum drawdown of -56.86%. Use the drawdown chart below to compare losses from any high point for WTFC and CFR.
Loading charts...
Drawdown Indicators
| WTFC | CFR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -83.58% | -56.86% | -26.72% |
Max Drawdown (1Y)Largest decline over 1 year | -19.30% | -12.95% | -6.35% |
Max Drawdown (3Y)Largest decline over 3 years | -31.02% | -27.43% | -3.59% |
Max Drawdown (5Y)Largest decline over 5 years | -40.71% | -45.62% | +4.91% |
Max Drawdown (10Y)Largest decline over 10 years | -74.50% | -56.86% | -17.64% |
Current DrawdownCurrent decline from peak | -5.14% | -4.90% | -0.24% |
Average DrawdownAverage peak-to-trough decline | -23.18% | -11.82% | -11.36% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.20% | 6.58% | +0.62% |
Volatility
WTFC vs. CFR - Volatility Comparison
Wintrust Financial Corporation (WTFC) has a higher volatility of 6.51% compared to Cullen/Frost Bankers, Inc. (CFR) at 6.10%. This indicates that WTFC's price experiences larger fluctuations and is considered to be riskier than CFR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| WTFC | CFR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.51% | 6.10% | +0.41% |
Volatility (6M)Calculated over the trailing 6-month period | 18.27% | 14.74% | +3.53% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.16% | 21.94% | +4.22% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 31.90% | 30.30% | +1.60% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.32% | 33.31% | +4.01% |
Dividends
WTFC vs. CFR - Dividend Comparison
WTFC's dividend yield for the trailing twelve months is around 1.38%, less than CFR's 2.92% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CFR Cullen/Frost Bankers, Inc. | 2.92% | 3.12% | 2.79% | 3.30% | 2.42% | 2.33% | 3.27% | 2.86% | 2.93% | 2.38% | 2.44% | 3.50% |
WTFC Wintrust Financial Corporation | 1.38% | 1.43% | 1.44% | 1.73% | 1.61% | 1.37% | 1.83% | 1.41% | 1.14% | 0.68% | 0.66% | 0.91% |
Financials
WTFC vs. CFR - Financials Comparison
This section allows you to compare key financial metrics between Wintrust Financial Corporation and Cullen/Frost Bankers, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
WTFC vs. CFR - Profitability Comparison
WTFC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Wintrust Financial Corporation reported a gross profit of 0.00 and revenue of 927.56M. Therefore, the gross margin over that period was 0.0%.
CFR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Cullen/Frost Bankers, Inc. reported a gross profit of 0.00 and revenue of 577.97M. Therefore, the gross margin over that period was 0.0%.
WTFC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Wintrust Financial Corporation reported an operating income of 19.15M and revenue of 927.56M, resulting in an operating margin of 2.1%.
CFR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Cullen/Frost Bankers, Inc. reported an operating income of 0.00 and revenue of 577.97M, resulting in an operating margin of 0.0%.
WTFC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Wintrust Financial Corporation reported a net income of 227.39M and revenue of 927.56M, resulting in a net margin of 24.5%.
CFR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Cullen/Frost Bankers, Inc. reported a net income of 170.99M and revenue of 577.97M, resulting in a net margin of 29.6%.
Frequently Asked Questions
WTFC and CFR have a correlation of 0.77, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
WTFC has higher volatility (6.51%) compared to CFR (6.10%). In terms of maximum drawdown, WTFC dropped -83.58% vs CFR's -56.86%.
WTFC currently has the higher Sharpe Ratio (1.12 vs 0.56), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for WTFC and CFR
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer