WTFC vs. PNFP

Last updated Jun 3, 2026

WTFC (Wintrust Financial Corporation) and PNFP (Pinnacle Financial Partners, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Their correlation of 0.83 suggests significant overlap in exposure.

Performance

WTFC vs. PNFP - Performance Comparison

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

Returns By Period

WTFC

• 1D: 2.05%
• 1M: 0.73%
• YTD: 8.13%
• 6M: 11.94%
• 1Y: 27.46%
• 3Y*: 32.42%
• 5Y*: 14.87%
• 10Y*: 12.71%

PNFP

• 1D: 0.78%
• 1M: -2.31%
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

WTFC vs. PNFP - Yearly Performance Comparison

	2026 (YTD)
WTFC Wintrust Financial Corporation	5.98%
PNFP Pinnacle Financial Partners, Inc.	2.35%

Correlation

The correlation between WTFC and PNFP is 0.83, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (All Time) Calculated using the full available price history since Jan 5, 2026	0.83

Fundamentals

Market Cap WTFC : $127.74M PNFP : $14.55B
EPS WTFC : $16.92 PNFP : $6.80
PE Ratio WTFC : 8.87 PNFP : 14.17
PEG Ratio WTFC : 0.81 PNFP : 2.26
PS Ratio WTFC : 1.84 PNFP : 2.30
PB Ratio WTFC : 0.02 PNFP : 1.05
Total Revenue (TTM) WTFC : $4.15B PNFP : $4.01B
Gross Profit (TTM) WTFC : $2.01B PNFP : $2.75B
EBITDA (TTM) WTFC : $943.92M PNFP : $877.12M

Return for Risk

WTFC vs. PNFP — 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: 72
WTFC Sortino Ratio Rank: 66
WTFC Omega Ratio Rank: 63
WTFC Calmar Ratio Rank: 67
WTFC Martin Ratio Rank: 70

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.

WTFC vs. PNFP - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Wintrust Financial Corporation (WTFC) and Pinnacle Financial Partners, Inc. (PNFP). 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	PNFP	Difference
Sharpe ratio Return per unit of total volatility	1.06	—	—
Sortino ratio Return per unit of downside risk	1.57	—	—
Omega ratio Gain probability vs. loss probability	1.19	—	—
Calmar ratio Return relative to maximum drawdown	1.43	—	—
Martin ratio Return relative to average drawdown	3.85	—	—
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

Sharpe Ratios by Period

	WTFC	PNFP	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.06	—	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.47	—	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.34	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.26	0.20	+0.07

Drawdowns

WTFC vs. PNFP - Drawdown Comparison

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

Drawdown Indicators

	WTFC	PNFP	Difference
Max Drawdown Largest peak-to-trough decline	-83.58%	-19.71%	-63.87%
Max Drawdown (1Y) Largest decline over 1 year	-19.30%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-31.02%	—	—
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	-6.62%	-5.29%	-1.33%
Average Drawdown Average peak-to-trough decline	-23.18%	-7.41%	-15.77%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.18%	—	—

Volatility

Volatility by Period

	WTFC	PNFP	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.69%	—	—
Volatility (6M) Calculated over the trailing 6-month period	18.04%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	26.05%	29.44%	-3.39%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	31.87%	29.44%	+2.43%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	37.32%	29.44%	+7.88%

Dividends

WTFC vs. PNFP - Dividend Comparison

WTFC's dividend yield for the trailing twelve months is around 1.40%, more than PNFP's 1.04% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
PNFP Pinnacle Financial Partners, Inc.	1.04%	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	1.40%	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. PNFP - Profitability Comparison

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

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%.

PNFP - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Pinnacle Financial Partners, Inc. reported a gross profit of 1.22B and revenue of 1.80B. Therefore, the gross margin over that period was 67.7%.

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%.

PNFP - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Pinnacle Financial Partners, Inc. reported an operating income of 189.00M and revenue of 1.80B, resulting in an operating margin of 10.5%.

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%.

PNFP - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Pinnacle Financial Partners, Inc. reported a net income of 150.00M and revenue of 1.80B, resulting in a net margin of 8.3%.

Frequently Asked Questions

Can I hold both WTFC and PNFP in my portfolio?

WTFC and PNFP have a correlation of 0.83, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.