Wintrust Financial [WTFC] vs PNC Financial [PNC] Detailed Stock Comparison

Wintrust Financial Corporation

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Wintrust Financial Corporation wins in 10 metrics, PNC Financial Services Group, Inc. wins in 9 metrics, with 0 ties. Wintrust Financial Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Wintrust Financial Corporation PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 12.40 12.56 Wintrust Financial Corporation
Price-to-Book Ratio 1.45 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 0.60 1.12 Wintrust Financial Corporation
PEG Ratio 0.64 11.84 Wintrust Financial Corporation
Profit Margin (TTM) 32.03% 28.75% Wintrust Financial Corporation
Operating Margin (TTM) 46.29% 35.28% Wintrust Financial Corporation
EBITDA Margin (TTM) 46.29% 35.28% Wintrust Financial Corporation
Return on Equity 12.34% 11.33% Wintrust Financial Corporation
Return on Assets (TTM) 1.25% 1.09% Wintrust Financial Corporation
Free Cash Flow (TTM) $860.40M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 1.75% 3.02% PNC Financial Services Group, Inc.
1-Year Return 34.98% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 3.70 3.35 PNC Financial Services Group, Inc.
Enterprise Value $11.15B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 4.14 6.11 Wintrust Financial Corporation
Revenue per Share (TTM) $40 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $11.93 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.86 1.07 Wintrust Financial Corporation
Short % of Float 3.23% 1.26% PNC Financial Services Group, Inc.

Wintrust Financial Corporation vs PNC Financial Services Group, Inc. Stock Performance Analysis

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WTFC
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Wintrust Financial Corporation-1.61%3.37%8.38%19.13%10.89%9.84%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Wintrust Financial Corporation34.98%127.16%114.20%221.35%399.56%213.57%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: Wintrust Financial Corporation vs PNC Financial Services Group, Inc.

MetricWTFCPNC
Market Information
Market Cap i$10.15B$70.31B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i467,8191,904,080
90 Day Avg. Volume i483,7261,960,760
Last Close$156.70$230.56
52 Week Range$116.57 - $162.96$172.88 - $243.94
% from 52W High-3.84%-5.48%
All-Time High$162.96 (Feb 06, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-3.84%-5.48%
Growth Metrics
Quarterly Revenue Growth0.10%0.05%
Quarterly Earnings Growth0.20%0.11%
Financial Health
Profit Margin (TTM) i0.32%0.29%
Operating Margin (TTM) i0.46%0.35%
Return on Equity (TTM) i0.12%0.11%
Debt to Equity (MRQ) i0.601.12
Cash & Liquidity
Book Value per Share (MRQ)$102.03$127.98
Cash per Share (MRQ)$53.31$27.54
Operating Cash Flow (TTM) i$958.66M$5.61B
Levered Free Cash Flow (TTM) i$774.15M$5.50B
Dividends
Last 12-Month Dividend Yield i1.75%3.02%
Last 12-Month Dividend i$2.55$6.70

Valuation & Enterprise Metrics Analysis: Wintrust Financial Corporation vs PNC Financial Services Group, Inc.

MetricWTFC (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i12.4012.56
Forward P/E i10.7411.84
PEG Ratio i0.6411.84
Price to Sales (TTM) i3.703.35
Price to Book (MRQ) i1.451.39
Market Capitalization
Market Capitalization i$10.15B$70.31B
Enterprise Value i$11.15B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i4.146.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.861.07
Book Value per Share (MRQ) i$102.03$127.98

Financial Statements Comparison: Wintrust Financial Corporation vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricWTFC (2025)PNC (2024)
Revenue/Sales i2.73B20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i1.12B7.24B
Pre-Tax Income % of Revenue i41.0%34.8%
Income Tax i294.56M1.29B
Income Tax % of Revenue i10.8%6.2%
Net Income (Profit) i823.84M5.95B
Profit Margin i30.2%28.6%

Balance Sheet & Liquidity Metrics

MetricWTFC (2025)PNC (2024)
Cash & Equivalents i3.65B46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i4.48B61.67B
Long-Term Debt % of Revenue i164.4%296.4%
Total Shareholders Equity i7.26B54.47B
Retained Earnings i4.54B59.28B
Retained Earnings % of Revenue i166.5%284.9%
Property, Plant & Equipment i360.65MN/A

Cash Flow Statement Comparison

MetricWTFC (2025)PNC (2024)
Operating Cash Flow i958.66M7.96B
Operating Cash Flow % of Revenue i35.2%38.3%
Capital Expenditures i-49.95MN/A
Free Cash Flow i860.40M7.88B
FCF Margin i31.6%37.9%
Debt Repayment i-73.61M-23.75B
Common Stock Repurchase i-415.50M-1.19B

Short Interest & Institutional Ownership Analysis

MetricWTFCPNC
Shares Short i2.16M4.98M
Short Ratio i4.682.41
Short % of Float i3.23%1.26%
Shares Outstanding i67.44M395.94M
Float Shares i66.51M392.38M
% Held by Insiders i1.50%0.38%
% Held by Institutions i97.43%85.29%
% Held by Public i1.07%14.33%

Dividend Analysis & Yield Comparison: Wintrust Financial Corporation vs PNC Financial Services Group, Inc.

MetricWTFCPNC
Last 12-Month Dividend i$2.55$6.70
Last 12-Month Dividend Yield i1.75%3.02%
3-Year Avg Annual Dividend i$1.98$6.40
3-Year Avg Dividend Yield i0.44%1.00%
3-Year Total Dividends i$5.95$19.20
Ex-Dividend DateFeb 05, 2026Jan 20, 2026