CFG vs. WTFC: Citizens Financial vs. Wintrust Financial Stock Comparison

Company Profile

Citizens Financial (CFG) and Wintrust Financial (WTFC) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

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

Wintrust Financial (WTFC) at 12.88% is around its peer norm for ROE, while Citizens Financial (CFG) at 8.90% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Wintrust Financial (WTFC) at 32.81% keeps about the industry-typical share of revenue as profit, while Citizens Financial (CFG) at 27.02% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Citizens Financial (CFG) 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

Wintrust Financial (WTFC) at 11.23% is around its peer norm for revenue growth, while Citizens Financial (CFG) at 5.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Citizens Financial (CFG) at 27.39% 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: Citizens Financial (CFG) 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: Citizens Financial (CFG) 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

Both Citizens Financial (CFG) at 2.88% and Wintrust Financial (WTFC) at 1.42% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Citizens Financial (CFG) at 37.17% 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.

Dividend Metrics

Valuation

Both Citizens Financial (CFG) at 12.78 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.

P/S ratio is set aside for both Citizens Financial (CFG) 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.

On P/B ratio, both Citizens Financial (CFG) at 1.16 and Wintrust Financial (WTFC) at 1.49 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics