WTFC vs. PNFP

Last updated Apr 1, 2026

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

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.

WTFC vs. PNFP - Yearly Performance Comparison

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

Fundamentals

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

Returns By Period

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%

PNFP

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

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

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: 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.

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	0.79	—	—
Sortino ratio Return per unit of downside risk	1.22	—	—
Omega ratio Gain probability vs. loss probability	1.17	—	—
Calmar ratio Return relative to maximum drawdown	1.34	—	—
Martin ratio Return relative to average drawdown	3.72	—	—
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	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	0.26	-1.04	+1.29

Correlation

The correlation between WTFC and PNFP 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

WTFC vs. PNFP - Dividend Comparison

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

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

Volatility

Volatility by Period

	WTFC	PNFP	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	32.29%	31.72%	+0.57%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	32.13%	31.72%	+0.41%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	37.43%	31.72%	+5.71%

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 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 - 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 - 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 - 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 - 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%.

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%.