HSBC vs. WTFC: HSBC vs. Wintrust Financial Stock Comparison
How do HSBC (HSBC) 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
HSBC (HSBC) and Wintrust Financial (WTFC) both belong to the Banks industry, though HSBC is classified under Diversified Banks while WTFC falls under Regional Banks.
Wintrust Financial (WTFC) trades as ordinary local shares, while HSBC (HSBC) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | HSBC | WTFC |
|---|---|---|
| Name | HSBC Holdings plc Sponsored ADR | Wintrust Financial Corporation |
| Country/Region | United Kingdom | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 297.66 billion USD | 10.21 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | July 16, 1999 | April 16, 1998 |
| Security Type | ADR | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | HSBC | WTFC |
|---|---|---|
| Total Return (1Y) | 32.02% | 21.25% |
| Total Return (3Y, Annualized) | 43.61% | 28.56% |
| Total Return (5Y, Annualized) | 33.35% | 13.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | HSBC | WTFC |
|---|---|---|
| Volatility (1Y, Annualized) | 28.54% | 23.68% |
| Beta (5Y) | 0.54 | 0.85 |
| Max Drawdown (5Y) | -31.80% | -40.71% |
| Avg. Volume (3M) | 1.58M | 515.90K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | HSBC | WTFC |
|---|---|---|
| Sharpe Ratio (1Y) | 0.97 | 0.72 |
| Sortino Ratio (1Y) | 1.52 | 1.07 |
Profitability
ROE (TTM)
HSBC (HSBC) at 14.22% sits in the top ROE quartile, while Wintrust Financial (WTFC) at 12.88% is closer to the peer norm — stronger capital efficiency for HSBC.
HSBC
Banks industry group
14.22%
- Max
- 19.84%
- HSBC
- 14.22%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- 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)
HSBC (HSBC) at 41.16% retains a top-quartile share of revenue as profit, ahead of Wintrust Financial (WTFC) at 32.81%, which keeps about the industry-typical share.
HSBC
Banks industry group
41.16%
- Max
- 47.19%
- HSBC
- 41.16%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- 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 HSBC (HSBC) 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 | HSBC | WTFC |
|---|---|---|
| ROE (TTM) | 14.22% | 12.88% |
| ROA (TTM) | 0.84% | 1.27% |
| Net Margin (TTM) | 41.16% | 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 HSBC (HSBC) at 5.38% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Wintrust Financial (WTFC) at 10.57% is around its peer norm for EPS growth, while HSBC (HSBC) at -3.23% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | HSBC | WTFC |
|---|---|---|
| Revenue Growth (YoY) | 5.38% | 11.23% |
| Revenue Growth (3Y CAGR) | 9.75% | 11.69% |
| EPS Growth (YoY) | -3.23% | 10.57% |
| EPS Growth (3Y CAGR) | 17.49% | 12.44% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: HSBC (HSBC) 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: HSBC (HSBC) 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 | HSBC | WTFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Wintrust Financial (WTFC) at 1.42% pays a yield in its industry’s typical range, while HSBC (HSBC) at 0.86% falls in the bottom quartile of its peers.
HSBC
Banks industry group
0.86%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- HSBC
- 0.86%
- 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)
Wintrust Financial (WTFC) at 16.49% retains more earnings than its industry usually does; HSBC (HSBC) at 53.57% distributes an above-typical share — opposite departures from the band, with the risk sitting on HSBC’s side.
HSBC
Banks industry group
53.57%
- Max
- 70.75%
- HSBC
- 53.57%
- Q3
- 41.28%
- Median
- 29.26%
- 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 | HSBC | WTFC |
|---|---|---|
| Dividend Yield (TTM) | 0.86% | 1.42% |
| Dividend Payout Ratio (TTM) | 53.57% | 16.49% |
Valuation
P/E Ratio (TTM)
Both HSBC (HSBC) at 11.38 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.
HSBC
Banks industry group
11.38
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- HSBC
- 11.38
- 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 HSBC (HSBC) 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)
Wintrust Financial (WTFC) at 1.49 sits near its industry’s typical P/B ratio, while HSBC (HSBC) at 6.87 prices above its benchmark range — HSBC looks rich relative to book.
HSBC
Banks industry group
6.87
- HSBC
- 6.87
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- 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 | HSBC | WTFC |
|---|---|---|
| P/E Ratio (TTM) | 11.38 | 11.60 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 6.87 | 1.49 |
| Free Cash Flow Yield (TTM) | -- | -- |