Cullen/Frost Bankers [CFR] vs Wintrust Financial [WTFC] Detailed Stock Comparison
Cullen/Frost Bankers
NYSE
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Wintrust Financial
NASDAQ
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Cullen/Frost Bankers wins in 6 metrics, Wintrust Financial wins in 12 metrics, with 0 ties. Wintrust Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Cullen/Frost Bankers | Wintrust Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 14.10 | 12.68 | Wintrust Financial |
| Price-to-Book Ratio | 2.08 | 1.40 | Wintrust Financial |
| Debt-to-Equity Ratio | 1.22 | 0.62 | Wintrust Financial |
| PEG Ratio | 15.21 | 0.63 | Wintrust Financial |
| Profit Margin (TTM) | 29.30% | 29.83% | Wintrust Financial |
| Operating Margin (TTM) | 36.20% | 43.78% | Wintrust Financial |
| EBITDA Margin (TTM) | 36.20% | 43.78% | Wintrust Financial |
| Return on Equity | 15.49% | 11.60% | Cullen/Frost Bankers |
| Return on Assets (TTM) | 1.22% | 1.15% | Cullen/Frost Bankers |
| Free Cash Flow (TTM) | $861.76M | $635.53M | Cullen/Frost Bankers |
| Dividend Yield | 2.31% | 1.82% | Cullen/Frost Bankers |
| 1-Year Return | 17.16% | 18.30% | Wintrust Financial |
| Price-to-Sales Ratio (TTM) | 4.05 | 3.62 | Wintrust Financial |
| Enterprise Value | $6.38B | $8.46B | Wintrust Financial |
| EV/Revenue Ratio | 3.07 | 3.41 | Cullen/Frost Bankers |
| Revenue per Share (TTM) | $32 | $37 | Wintrust Financial |
| Earnings per Share (Diluted) | $9.29 | $10.57 | Wintrust Financial |
| Beta (Stock Volatility) | 0.68 | 0.84 | Cullen/Frost Bankers |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Cullen/Frost Bankers vs Wintrust Financial Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Cullen/Frost Bankers | -0.31% | 5.52% | -4.85% | 3.05% | -5.62% | -1.35% |
| Wintrust Financial | -0.01% | 5.45% | -0.98% | 12.90% | 8.33% | 8.07% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Cullen/Frost Bankers | 17.16% | -0.39% | 84.67% | 104.03% | 151.33% | 169.93% |
| Wintrust Financial | 18.30% | 51.12% | 186.79% | 154.97% | 329.46% | 156.39% |
Performance & Financial Health Analysis: Cullen/Frost Bankers vs Wintrust Financial
| Metric | CFR | WTFC |
|---|---|---|
| Market Information | ||
| Market Cap | $8.42B | $8.97B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 495,530 | 337,849 |
| 90 Day Avg. Volume | 454,100 | 417,283 |
| Last Close | $130.57 | $134.01 |
| 52 Week Range | $100.31 - $147.64 | $89.10 - $142.04 |
| % from 52W High | -11.56% | -5.65% |
| All-Time High | $160.60 (Nov 07, 2022) | $142.04 (Nov 25, 2024) |
| % from All-Time High | -18.70% | -5.65% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.09% | 0.18% |
| Quarterly Earnings Growth | 0.08% | 0.28% |
| Financial Health | ||
| Profit Margin (TTM) | 0.29% | 0.30% |
| Operating Margin (TTM) | 0.36% | 0.44% |
| Return on Equity (TTM) | 0.15% | 0.12% |
| Debt to Equity (MRQ) | 1.22 | 0.62 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $63.04 | $95.44 |
| Cash per Share (MRQ) | $113.56 | $81.94 |
| Operating Cash Flow (TTM) | $216.18M | $878.10M |
| Levered Free Cash Flow (TTM) | $569.63M | $667.08M |
| Dividends | ||
| Last 12-Month Dividend Yield | 2.31% | 1.82% |
| Last 12-Month Dividend | $2.85 | $2.40 |
Valuation & Enterprise Metrics Analysis: Cullen/Frost Bankers vs Wintrust Financial
| Metric | CFR | WTFC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 14.10 | 12.68 |
| Forward P/E | 15.21 | 13.13 |
| PEG Ratio | 15.21 | 0.63 |
| Price to Sales (TTM) | 4.05 | 3.62 |
| Price to Book (MRQ) | 2.08 | 1.40 |
| Market Capitalization | ||
| Market Capitalization | $8.42B | $8.97B |
| Enterprise Value | $6.38B | $8.46B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.07 | 3.41 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.68 | 0.84 |
| Book Value per Share (MRQ) | $63.04 | $95.44 |
Financial Statements Comparison: Cullen/Frost Bankers vs Wintrust Financial
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) | CFR | WTFC |
|---|---|---|
| Revenue/Sales | $546.88M | $643.12M |
| 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 | $186.62M | $253.06M |
| Income Tax | $29.62M | $64.02M |
| Net Income (Profit) | $157.00M | $189.04M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CFR | WTFC |
|---|---|---|
| Cash & Equivalents | $7.84B | $4.85B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $222.89M | $4.23B |
| Total Shareholders Equity | $4.11B | $6.60B |
| Retained Earnings | $4.03B | $4.05B |
| Property, Plant & Equipment | N/A | $1.06B |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CFR | WTFC |
|---|---|---|
| Operating Cash Flow | $-309.80M | $57.16M |
| Capital Expenditures | $-40.95M | $7.30M |
| Free Cash Flow | $-337.06M | $119.75M |
| Debt Repayment | N/A | $-4.80M |
| Common Stock Repurchase | $-2.60M | $-3.00M |
Short Interest & Institutional Ownership Analysis
| Metric | CFR | WTFC |
|---|---|---|
| Shares Short | 1.97M | 1.36M |
| Short Ratio | 5.29 | 2.90 |
| Short % of Float | 0.04% | 0.02% |
| Average Daily Volume (10 Day) | 495,530 | 337,849 |
| Average Daily Volume (90 Day) | 454,100 | 417,283 |
| Shares Outstanding | 64.20M | 66.50M |
| Float Shares | 59.02M | 65.98M |
| % Held by Insiders | 0.08% | 0.01% |
| % Held by Institutions | 0.88% | 0.99% |
Dividend Analysis & Yield Comparison: Cullen/Frost Bankers vs Wintrust Financial
| Metric | CFR | WTFC |
|---|---|---|
| Last 12-Month Dividend | $2.85 | $2.40 |
| Last 12-Month Dividend Yield | 2.31% | 1.82% |
| 3-Year Avg Annual Dividend | $3.03 | $1.86 |
| 3-Year Avg Dividend Yield | 0.77% | 0.44% |
| 3-Year Total Dividends | $9.09 | $5.58 |
| Ex-Dividend Date | Feb 28, 2025 | Aug 07, 2025 |