C vs. WTFC: Citigroup vs. Wintrust Financial Stock Comparison
How do Citigroup (C) and Wintrust Financial (WTFC) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Citigroup (C) and Wintrust Financial (WTFC) both belong to the Banks industry, though C is classified under Diversified Banks while WTFC falls under Regional Banks.
| Profile Item | C | WTFC |
|---|---|---|
| Name | Citigroup Inc. | Wintrust Financial Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 197.05 billion USD | 10.21 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | January 3, 1977 | April 16, 1998 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | C | WTFC |
|---|---|---|
| Total Return (1Y) | 23.42% | 21.25% |
| Total Return (3Y, Annualized) | 47.29% | 28.56% |
| Total Return (5Y, Annualized) | 16.24% | 13.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | C | WTFC |
|---|---|---|
| Volatility (1Y, Annualized) | 29.96% | 23.68% |
| Beta (5Y) | 1.17 | 0.85 |
| Max Drawdown (5Y) | -40.60% | -40.71% |
| Avg. Volume (3M) | 9.35M | 515.90K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | C | WTFC |
|---|---|---|
| Sharpe Ratio (1Y) | 0.64 | 0.72 |
| Sortino Ratio (1Y) | 0.90 | 1.07 |
Profitability
ROE (TTM)
Wintrust Financial (WTFC) at 12.88% is around its peer norm for ROE, while Citigroup (C) at 9.35% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
C
Banks industry group
9.35%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- C
- 9.35%
- Min
- 3.64%
WTFC
Banks industry group
12.88%
- Max
- 19.84%
- Q3
- 13.67%
- WTFC
- 12.88%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Wintrust Financial (WTFC) at 32.81% keeps about the industry-typical share of revenue as profit, while Citigroup (C) at 23.21% retains only a bottom-quartile share.
C
Banks industry group
23.21%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- C
- 23.21%
- Min
- 14.93%
WTFC
Banks industry group
32.81%
- Max
- 47.19%
- Q3
- 35.25%
- WTFC
- 32.81%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citigroup (C) 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
| Metric | C | WTFC |
|---|---|---|
| ROE (TTM) | 9.35% | 12.88% |
| ROA (TTM) | 0.71% | 1.27% |
| Net Margin (TTM) | 23.21% | 32.81% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Wintrust Financial (WTFC) at 11.23% is around its peer norm for revenue growth, while Citigroup (C) at 5.63% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Citigroup (C) at 17.68% 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
| Metric | C | WTFC |
|---|---|---|
| Revenue Growth (YoY) | 5.63% | 11.23% |
| Revenue Growth (3Y CAGR) | 4.59% | 11.69% |
| EPS Growth (YoY) | 17.68% | 10.57% |
| EPS Growth (3Y CAGR) | -0.05% | 12.44% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citigroup (C) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Citigroup (C) 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
| Metric | C | WTFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Citigroup (C) at 2.09% and Wintrust Financial (WTFC) at 1.42% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
C
Banks industry group
2.09%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- C
- 2.09%
- Q1
- 1.20%
- Min
- 0.00%
WTFC
Banks industry group
1.42%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- WTFC
- 1.42%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Citigroup (C) at 24.07% keeps its payout within the industry’s typical band; Wintrust Financial (WTFC) at 16.49% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.
C
Banks industry group
24.07%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- C
- 24.07%
- Q1
- 18.98%
- Min
- 0.00%
WTFC
Banks industry group
16.49%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- WTFC
- 16.49%
- Min
- 0.00%
Dividend Metrics
| Metric | C | WTFC |
|---|---|---|
| Dividend Yield (TTM) | 2.09% | 1.42% |
| Dividend Payout Ratio (TTM) | 24.07% | 16.49% |
Valuation
P/E Ratio (TTM)
Both Citigroup (C) at 11.60 and Wintrust Financial (WTFC) at 11.60 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
C
Banks industry group
11.60
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- C
- 11.60
- Q1
- 10.64
- Min
- 6.49
WTFC
Banks industry group
11.60
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- WTFC
- 11.60
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Citigroup (C) 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.
P/B Ratio (MRQ)
Citigroup (C) at 1.03 sits in the lower P/B ratio quartile against book while Wintrust Financial (WTFC) at 1.49 is valued near its industry’s middle — C is cheaper on assets, though weigh it against ROE and asset quality.
C
Banks industry group
1.03
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- C
- 1.03
- Min
- 0.59
WTFC
Banks industry group
1.49
- Max
- 2.28
- Q3
- 1.58
- WTFC
- 1.49
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | C | WTFC |
|---|---|---|
| P/E Ratio (TTM) | 11.60 | 11.60 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.03 | 1.49 |
| Free Cash Flow Yield (TTM) | -- | -- |