RF vs. WTFC: Regions Financial vs. Wintrust Financial Stock Comparison

Company Profile

Regions Financial (RF) 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

Both Regions Financial (RF) at 12.38% and Wintrust Financial (WTFC) at 12.88% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both Regions Financial (RF) at 31.29% 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.

Neither side reports a meaningful operating margin: for Regions Financial (RF) 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 Regions Financial (RF) at 6.25% 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 Regions Financial (RF) at 19.17% 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: Regions Financial (RF) 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: Regions Financial (RF) 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

Regions Financial (RF) at 3.85% delivers top-quartile income for its industry, while Wintrust Financial (WTFC) at 1.42% pays a more typical yield — both are credible income propositions, RF the richer one.

Wintrust Financial (WTFC) at 16.49% retains more earnings than its industry usually does; Regions Financial (RF) at 43.27% distributes an above-typical share — opposite departures from the band, with the risk sitting on RF’s side.

Dividend Metrics

Valuation

Both Regions Financial (RF) at 11.10 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 Regions Financial (RF) 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 Regions Financial (RF) at 1.46 and Wintrust Financial (WTFC) at 1.49 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics