JPM vs. WTFC: JPMorgan Chase vs. Wintrust Financial Stock Comparison
How do JPMorgan Chase (JPM) 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
JPMorgan Chase (JPM) and Wintrust Financial (WTFC) both belong to the Banks industry, though JPM is classified under Diversified Banks while WTFC falls under Regional Banks.
| Profile Item | JPM | WTFC |
|---|---|---|
| Name | JPMorgan Chase & Co. | 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 | 888.27 billion USD | 10.21 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | March 17, 1980 | April 16, 1998 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | JPM | WTFC |
|---|---|---|
| Total Return (1Y) | 11.23% | 21.25% |
| Total Return (3Y, Annualized) | 36.31% | 28.56% |
| Total Return (5Y, Annualized) | 18.27% | 13.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | JPM | WTFC |
|---|---|---|
| Volatility (1Y, Annualized) | 23.08% | 23.68% |
| Beta (5Y) | 1.02 | 0.85 |
| Max Drawdown (5Y) | -37.93% | -40.71% |
| Avg. Volume (3M) | 7.03M | 515.90K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | JPM | WTFC |
|---|---|---|
| Sharpe Ratio (1Y) | 0.30 | 0.72 |
| Sortino Ratio (1Y) | 0.42 | 1.07 |
Profitability
ROE (TTM)
JPMorgan Chase (JPM) at 18.01% sits in the top ROE quartile, while Wintrust Financial (WTFC) at 12.88% is closer to the peer norm — stronger capital efficiency for JPM.
JPM
Banks industry group
18.01%
- Max
- 19.84%
- JPM
- 18.01%
- 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)
Both JPMorgan Chase (JPM) at 34.59% and Wintrust Financial (WTFC) at 32.81% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
JPM
Banks industry group
34.59%
- Max
- 47.19%
- Q3
- 35.25%
- JPM
- 34.59%
- 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 JPMorgan Chase (JPM) 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 | JPM | WTFC |
|---|---|---|
| ROE (TTM) | 18.01% | 12.88% |
| ROA (TTM) | 1.37% | 1.27% |
| Net Margin (TTM) | 34.59% | 32.81% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both JPMorgan Chase (JPM) at 7.32% 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.
EPS Growth
Wintrust Financial (WTFC) at 10.57% is around its peer norm for EPS growth, while JPMorgan Chase (JPM) at 1.37% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | JPM | WTFC |
|---|---|---|
| Revenue Growth (YoY) | 7.32% | 11.23% |
| Revenue Growth (3Y CAGR) | 12.50% | 11.69% |
| EPS Growth (YoY) | 1.37% | 10.57% |
| EPS Growth (3Y CAGR) | 18.31% | 12.44% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: JPMorgan Chase (JPM) 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: JPMorgan Chase (JPM) 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 | JPM | WTFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both JPMorgan Chase (JPM) at 1.82% and Wintrust Financial (WTFC) at 1.42% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
JPM
Banks industry group
1.82%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- JPM
- 1.82%
- 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)
JPMorgan Chase (JPM) at 25.80% 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.
JPM
Banks industry group
25.80%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- JPM
- 25.80%
- 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 | JPM | WTFC |
|---|---|---|
| Dividend Yield (TTM) | 1.82% | 1.42% |
| Dividend Payout Ratio (TTM) | 25.80% | 16.49% |
Valuation
P/E Ratio (TTM)
Wintrust Financial (WTFC) at 11.60 is near its industry’s usual P/E ratio, while JPMorgan Chase (JPM) at 14.03 sits in the richer quartile — JPM needs stronger growth or earnings quality to justify the premium.
JPM
Banks industry group
14.03
- Max
- 18.16
- JPM
- 14.03
- Q3
- 13.75
- Median
- 11.81
- 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 JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) at 2.53 prices above its benchmark range — JPM looks rich relative to book.
JPM
Banks industry group
2.53
- JPM
- 2.53
- 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 | JPM | WTFC |
|---|---|---|
| P/E Ratio (TTM) | 14.03 | 11.60 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.53 | 1.49 |
| Free Cash Flow Yield (TTM) | -- | -- |