BMO vs. WTFC: Bank of Montreal vs. Wintrust Financial Stock Comparison

Company Profile

Bank of Montreal (BMO) and Wintrust Financial (WTFC) both belong to the Banks industry, though BMO is classified under Diversified Banks while WTFC falls under Regional Banks.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Bank of Montreal (BMO) at 10.57% and Wintrust Financial (WTFC) at 12.88% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Wintrust Financial (WTFC) at 32.81% keeps about the industry-typical share of revenue as profit, while Bank of Montreal (BMO) at 25.66% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) in Banks and Wintrust Financial (WTFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Bank of Montreal (BMO) at 12.67% and Wintrust Financial (WTFC) at 11.23% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Bank of Montreal (BMO) at 20.29% and Wintrust Financial (WTFC) at 10.57% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of Montreal (BMO) in Banks and Wintrust Financial (WTFC) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Bank of Montreal (BMO) in Banks and Wintrust Financial (WTFC) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Bank of Montreal (BMO) at 3.87% delivers top-quartile income for its industry, while Wintrust Financial (WTFC) at 1.42% pays a more typical yield — both are credible income propositions, BMO the richer one.

Wintrust Financial (WTFC) at 16.49% retains more earnings than its industry usually does; Bank of Montreal (BMO) at 54.44% distributes an above-typical share — opposite departures from the band, with the risk sitting on BMO’s side.

Dividend Metrics

Valuation

Wintrust Financial (WTFC) at 11.60 is near its industry’s usual P/E ratio, while Bank of Montreal (BMO) at 19.34 sits above its peer range — an unusually expensive price for BMO’s trailing earnings.

P/S ratio is set aside for both Bank of Montreal (BMO) in Banks and Wintrust Financial (WTFC) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Wintrust Financial (WTFC) at 1.49 is valued about in line with its industry on P/B ratio, while Bank of Montreal (BMO) at 1.97 carries an above-peer premium to book — BMO is pricier on assets.

Valuation Metrics