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 11 metrics, U.S. Bancorp wins in 7 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) 12.45 11.36 U.S. Bancorp
Price-to-Book Ratio 1.38 1.36 U.S. Bancorp
Debt-to-Equity Ratio 0.62 1.34 Wintrust Financial
PEG Ratio 0.62 0.79 Wintrust Financial
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 18.40% 1.82% Wintrust Financial
Price-to-Sales Ratio (TTM) 3.55 2.91 U.S. Bancorp
Enterprise Value $8.65B $101.95B U.S. Bancorp
EV/Revenue Ratio 3.49 3.99 Wintrust Financial
Revenue per Share (TTM) $37 $16 Wintrust Financial
Earnings per Share (Diluted) $10.57 $4.18 Wintrust Financial
Beta (Stock Volatility) 0.83 1.08 Wintrust Financial
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Wintrust Financial vs U.S. Bancorp Stock Performance Analysis

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Wintrust Financial
U.S. Bancorp
Wintrust Financial Stock Overview | U.S. Bancorp Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Wintrust Financial-4.50%0.44%-4.71%-0.90%26.21%5.98%
U.S. Bancorp-3.86%-1.69%-4.60%-0.42%19.85%-1.59%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Wintrust Financial18.40%48.10%177.55%169.80%318.80%164.16%
U.S. Bancorp1.82%10.15%20.34%15.53%108.96%68.45%

News Based Sentiment: Wintrust Financial vs U.S. Bancorp

Wintrust Financial

News based Sentiment: MIXED

October was a month of contrasts for Wintrust Financial, marked by a strong Q2 earnings beat and positive analyst revisions, offset by a 'Sell' rating and insider selling. The company is showing financial strength but faces some investor caution, creating a mixed investment picture.

View Wintrust Financial News Sentiment Analysis

U.S. Bancorp

News based Sentiment: MIXED

October presented a mixed bag for U.S. Bancorp, with positive developments like a dividend increase and entry into digital asset custody countered by insider selling and a range of analyst opinions. The upcoming earnings release on October 16th will be key to understanding the bank's trajectory.

View U.S. Bancorp News Sentiment Analysis

Performance & Financial Health Analysis: Wintrust Financial vs U.S. Bancorp

MetricWTFCUSB
Market Information
Market Cap i$8.82B$73.46B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i417,2778,391,430
90 Day Avg. Volume i418,6669,701,660
Last Close$125.51$45.28
52 Week Range$89.10 - $142.04$35.18 - $53.98
% from 52W High-11.64%-16.12%
All-Time High$142.04 (Nov 25, 2024)$63.57 (Jan 10, 2022)
% from All-Time High-11.64%-28.77%
Growth Metrics
Quarterly Revenue Growth0.18%0.03%
Quarterly Earnings Growth0.28%0.13%
Financial Health
Profit Margin (TTM) i0.30%0.27%
Operating Margin (TTM) i0.44%0.37%
Return on Equity (TTM) i0.12%0.12%
Debt to Equity (MRQ) i0.621.34
Cash & Liquidity
Book Value per Share (MRQ)$95.44$35.02
Cash per Share (MRQ)$81.94$39.85
Operating Cash Flow (TTM) i$878.10M$7.48B
Levered Free Cash Flow (TTM) i$667.08M$5.91B
Dividends
Last 12-Month Dividend Yield i1.82%4.60%
Last 12-Month Dividend i$2.40$1.99

Valuation & Enterprise Metrics Analysis: Wintrust Financial vs U.S. Bancorp

MetricWTFCUSB
Price Ratios
P/E Ratio (TTM) i12.4511.36
Forward P/E i12.8910.97
PEG Ratio i0.620.79
Price to Sales (TTM) i3.552.91
Price to Book (MRQ) i1.381.36
Market Capitalization
Market Capitalization i$8.82B$73.46B
Enterprise Value i$8.65B$101.95B
Enterprise Value Metrics
Enterprise to Revenue i3.493.99
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.831.08
Book Value per Share (MRQ) i$95.44$35.02

Financial Statements Comparison: Wintrust Financial vs U.S. Bancorp

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)WTFCUSB
Revenue/Sales i$643.12M$6.93B
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$253.06M$2.16B
Income Tax i$64.02M$443.00M
Net Income (Profit) i$189.04M$1.72B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)WTFCUSB
Cash & Equivalents i$4.85B$50.01B
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$4.23B$59.86B
Total Shareholders Equity i$6.60B$60.56B
Retained Earnings i$4.05B$77.69B
Property, Plant & Equipment i$1.06BN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)WTFCUSB
Operating Cash Flow i$57.16M$-750.00M
Capital Expenditures i$7.30MN/A
Free Cash Flow i$119.75M$-285.00M
Debt Repayment i$-4.80M$-2.10B
Common Stock Repurchase i$-3.00M$-160.00M

Short Interest & Institutional Ownership Analysis

MetricWTFCUSB
Shares Short i1.36M22.01M
Short Ratio i3.502.51
Short % of Float i0.02%0.01%
Average Daily Volume (10 Day) i417,2778,391,430
Average Daily Volume (90 Day) i418,6669,701,660
Shares Outstanding i66.50M1.56B
Float Shares i65.98M1.55B
% Held by Insiders i0.01%0.00%
% Held by Institutions i1.00%0.82%

Dividend Analysis & Yield Comparison: Wintrust Financial vs U.S. Bancorp

MetricWTFCUSB
Last 12-Month Dividend i$2.40$1.99
Last 12-Month Dividend Yield i1.82%4.60%
3-Year Avg Annual Dividend i$1.86$1.78
3-Year Avg Dividend Yield i0.44%1.19%
3-Year Total Dividends i$5.58$5.35
Ex-Dividend DateAug 07, 2025Mar 31, 2025