WTFC vs. CFR
Compare and contrast key facts about Wintrust Financial Corporation (WTFC) and Cullen/Frost Bankers, Inc. (CFR).
Performance
WTFC vs. CFR - Performance Comparison
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WTFC vs. CFR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
WTFC Wintrust Financial Corporation | -0.28% | 13.94% | 36.83% | 12.00% | -5.54% | 51.10% | -11.77% | 8.16% | -18.56% | 14.36% |
CFR Cullen/Frost Bankers, Inc. | 9.01% | -2.76% | 27.86% | -16.06% | 8.66% | 48.17% | -7.58% | 14.60% | -4.84% | 9.93% |
Fundamentals
WTFC:
$158.81M
CFR:
$8.72B
WTFC:
$18.11
CFR:
$10.13
WTFC:
7.67
CFR:
13.53
WTFC:
0.71
CFR:
1.24
WTFC:
1.54
CFR:
3.19
WTFC:
0.02
CFR:
1.97
WTFC:
$4.10B
CFR:
$2.75B
WTFC:
$1.94B
CFR:
$2.19B
WTFC:
$921.45M
CFR:
$837.67M
Returns By Period
In the year-to-date period, WTFC achieves a -0.28% return, which is significantly lower than CFR's 9.01% return. Over the past 10 years, WTFC has outperformed CFR with an annualized return of 13.79%, while CFR has yielded a comparatively lower 12.92% annualized return.
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%
CFR
- 1D
- 1.30%
- 1M
- -0.82%
- YTD
- 9.01%
- 6M
- 9.77%
- 1Y
- 12.88%
- 3Y*
- 12.78%
- 5Y*
- 7.59%
- 10Y*
- 12.92%
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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 | 0.79 | 0.47 | +0.32 |
Sortino ratioReturn per unit of downside risk | 1.22 | 0.81 | +0.41 |
Omega ratioGain probability vs. loss probability | 1.17 | 1.11 | +0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.34 | 0.88 | +0.46 |
Martin ratioReturn relative to average drawdown | 3.72 | 1.93 | +1.79 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| WTFC | CFR | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.79 | 0.47 | +0.32 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.46 | 0.25 | +0.21 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.37 | 0.39 | -0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.26 | 0.47 | -0.21 |
Correlation
The correlation between WTFC and CFR is 0.61, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
Dividends
WTFC vs. CFR - Dividend Comparison
WTFC's dividend yield for the trailing twelve months is around 1.48%, less than CFR's 2.92% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
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% |
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.
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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% | -15.20% | -4.10% |
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 | -13.89% | -6.16% | -7.73% |
Average DrawdownAverage peak-to-trough decline | -23.27% | -11.86% | -11.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.95% | 7.02% | -0.07% |
Volatility
WTFC vs. CFR - Volatility Comparison
Wintrust Financial Corporation (WTFC) has a higher volatility of 7.77% compared to Cullen/Frost Bankers, Inc. (CFR) at 4.62%. 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.
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Volatility by Period
| WTFC | CFR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.77% | 4.62% | +3.15% |
Volatility (6M)Calculated over the trailing 6-month period | 20.85% | 15.83% | +5.02% |
Volatility (1Y)Calculated over the trailing 1-year period | 32.29% | 27.45% | +4.84% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 32.13% | 30.38% | +1.75% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.43% | 33.45% | +3.98% |
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 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%.
CFR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Cullen/Frost Bankers, Inc. reported a gross profit of 569.65M and revenue of 580.87M. Therefore, the gross margin over that period was 98.1%.
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%.
CFR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Cullen/Frost Bankers, Inc. reported an operating income of 197.98M and revenue of 580.87M, resulting in an operating margin of 34.1%.
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%.
CFR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Cullen/Frost Bankers, Inc. reported a net income of 166.25M and revenue of 580.87M, resulting in a net margin of 28.6%.