Wintrust Financial [WTFC] vs U.S. Bancorp [USB] Detailed Stock Comparison
Wintrust Financial
NASDAQ
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Wintrust Financial wins in 10 metrics, U.S. Bancorp wins in 8 metrics, with 0 ties. Wintrust Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Wintrust Financial | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 11.62 | 10.73 | U.S. Bancorp |
| Price-to-Book Ratio | 1.29 | 1.28 | U.S. Bancorp |
| Debt-to-Equity Ratio | 0.60 | 1.34 | Wintrust Financial |
| PEG Ratio | 12.03 | 10.36 | U.S. Bancorp |
| Profit Margin (TTM) | 29.83% | 27.00% | Wintrust Financial |
| Operating Margin (TTM) | 43.78% | 37.33% | Wintrust Financial |
| EBITDA Margin (TTM) | 43.78% | 37.33% | Wintrust Financial |
| Return on Equity | 11.60% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 1.15% | 1.01% | Wintrust Financial |
| Free Cash Flow (TTM) | $635.53M | $11.27B | U.S. Bancorp |
| Dividend Yield | 1.82% | 4.60% | U.S. Bancorp |
| 1-Year Return | 26.25% | 6.63% | Wintrust Financial |
| Price-to-Sales Ratio (TTM) | 3.31 | 2.73 | U.S. Bancorp |
| Enterprise Value | $8.12B | $97.85B | U.S. Bancorp |
| EV/Revenue Ratio | 3.27 | 3.83 | Wintrust Financial |
| Revenue per Share (TTM) | $37 | $16 | Wintrust Financial |
| Earnings per Share (Diluted) | $10.57 | $4.18 | Wintrust Financial |
| Beta (Stock Volatility) | 0.84 | 1.03 | Wintrust Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Wintrust Financial vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Wintrust Financial | 0.85% | -0.15% | -6.78% | 5.82% | -4.05% | -0.14% |
| U.S. Bancorp | 1.75% | 2.09% | -5.87% | 6.45% | -4.31% | -6.27% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Wintrust Financial | 26.25% | 38.90% | 167.13% | 129.42% | 334.83% | 145.18% |
| U.S. Bancorp | 6.63% | -8.02% | 18.74% | -1.62% | 101.89% | 48.44% |
Performance & Financial Health Analysis: Wintrust Financial vs U.S. Bancorp
| Metric | WTFC | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $8.22B | $69.81B |
| Market Cap Category | Mid cap | Large cap |
| 10 Day Avg. Volume | 415,300 | 8,144,100 |
| 90 Day Avg. Volume | 463,963 | 11,551,200 |
| Last Close | $123.84 | $44.86 |
| 52 Week Range | $89.10 - $142.04 | $35.18 - $53.98 |
| % from 52W High | -12.81% | -16.90% |
| All-Time High | $142.04 (Nov 25, 2024) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -12.81% | -29.43% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.18% | 0.03% |
| Quarterly Earnings Growth | 0.28% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.30% | 0.27% |
| Operating Margin (TTM) | 0.44% | 0.37% |
| Return on Equity (TTM) | 0.12% | 0.12% |
| Debt to Equity (MRQ) | 0.60 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $95.44 | $35.02 |
| Cash per Share (MRQ) | $78.66 | $39.85 |
| Operating Cash Flow (TTM) | $651.86M | $7.48B |
| Levered Free Cash Flow (TTM) | $667.08M | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.82% | 4.60% |
| Last 12-Month Dividend | $2.40 | $1.99 |
Valuation & Enterprise Metrics Analysis: Wintrust Financial vs U.S. Bancorp
| Metric | WTFC | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 11.62 | 10.73 |
| Forward P/E | 12.03 | 10.36 |
| PEG Ratio | 12.03 | 10.36 |
| Price to Sales (TTM) | 3.31 | 2.73 |
| Price to Book (MRQ) | 1.29 | 1.28 |
| Market Capitalization | ||
| Market Capitalization | $8.22B | $69.81B |
| Enterprise Value | $8.12B | $97.85B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.27 | 3.83 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.84 | 1.03 |
| Book Value per Share (MRQ) | $95.44 | $35.02 |
Financial Statements Comparison: Wintrust Financial vs U.S. Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | WTFC | USB |
|---|---|---|
| Revenue/Sales | $643.12M | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $253.06M | $2.16B |
| Income Tax | $64.02M | $443.00M |
| Net Income (Profit) | $189.04M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | WTFC | USB |
|---|---|---|
| Cash & Equivalents | $4.85B | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $4.23B | $59.86B |
| Total Shareholders Equity | $6.60B | $60.56B |
| Retained Earnings | $4.05B | $77.69B |
| Property, Plant & Equipment | $1.06B | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | WTFC | USB |
|---|---|---|
| Operating Cash Flow | $57.16M | $-750.00M |
| Capital Expenditures | $7.30M | N/A |
| Free Cash Flow | $119.75M | $-285.00M |
| Debt Repayment | $-4.80M | $-2.10B |
| Common Stock Repurchase | $-3.00M | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | WTFC | USB |
|---|---|---|
| Shares Short | 1.85M | 20.29M |
| Short Ratio | 4.39 | 1.56 |
| Short % of Float | 0.03% | 0.01% |
| Average Daily Volume (10 Day) | 415,300 | 8,144,100 |
| Average Daily Volume (90 Day) | 463,963 | 11,551,200 |
| Shares Outstanding | 66.50M | 1.56B |
| Float Shares | 65.97M | 1.55B |
| % Held by Insiders | 0.01% | 0.00% |
| % Held by Institutions | 0.98% | 0.82% |
Dividend Analysis & Yield Comparison: Wintrust Financial vs U.S. Bancorp
| Metric | WTFC | USB |
|---|---|---|
| Last 12-Month Dividend | $2.40 | $1.99 |
| Last 12-Month Dividend Yield | 1.82% | 4.60% |
| 3-Year Avg Annual Dividend | $1.86 | $1.78 |
| 3-Year Avg Dividend Yield | 0.44% | 1.19% |
| 3-Year Total Dividends | $5.58 | $5.35 |
| Ex-Dividend Date | Aug 07, 2025 | Mar 31, 2025 |