NWG vs. WTFC: NatWest vs. Wintrust Financial Stock Comparison

Company Profile

NatWest (NWG) and Wintrust Financial (WTFC) both belong to the Banks industry, though NWG is classified under Diversified Banks while WTFC falls under Regional Banks.

Wintrust Financial (WTFC) trades as ordinary local shares, while NatWest (NWG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

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

NatWest (NWG) at 14.58% sits in the top ROE quartile, while Wintrust Financial (WTFC) at 12.88% is closer to the peer norm — stronger capital efficiency for NWG.

NatWest (NWG) at 36.93% retains a top-quartile share of revenue as profit, ahead of Wintrust Financial (WTFC) at 32.81%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for NatWest (NWG) 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 NatWest (NWG) at 13.35% 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 NatWest (NWG) at 26.93% 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: NatWest (NWG) 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: NatWest (NWG) 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 NatWest (NWG) at 2.19% and Wintrust Financial (WTFC) at 1.42% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Wintrust Financial (WTFC) at 16.49% retains more earnings than its industry usually does; NatWest (NWG) at 47.43% distributes an above-typical share — opposite departures from the band, with the risk sitting on NWG’s side.

Dividend Metrics

Valuation

NatWest (NWG) at 7.84 sits in the cheaper P/E ratio quartile, while Wintrust Financial (WTFC) at 11.60 is closer to its industry’s usual earnings multiple — a discount for NWG, though growth and earnings durability still matter.

P/S ratio is set aside for both NatWest (NWG) 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 NatWest (NWG) at 1.20 and Wintrust Financial (WTFC) at 1.49 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics