RY vs. WTFC: Royal Bank of Canada vs. Wintrust Financial Stock Comparison

Company Profile

Royal Bank of Canada (RY) and Wintrust Financial (WTFC) both belong to the Banks industry, though RY is classified under Diversified Banks while WTFC falls under Regional Banks.

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

Royal Bank of Canada (RY) at 16.21% sits in the top ROE quartile, while Wintrust Financial (WTFC) at 12.88% is closer to the peer norm — stronger capital efficiency for RY.

Both Royal Bank of Canada (RY) at 33.87% 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 Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) at 15.73% 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.

Only one side can be read here: Wintrust Financial (WTFC) reports EPS growth of 10.57%, ranked against its industry; Royal Bank of Canada (RY) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Royal Bank of Canada (RY) 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: Royal Bank of Canada (RY) 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

Royal Bank of Canada (RY) at 3.23% delivers top-quartile income for its industry, while Wintrust Financial (WTFC) at 1.42% pays a more typical yield — both are credible income propositions, RY the richer one.

Wintrust Financial (WTFC) at 16.49% retains more earnings than its industry usually does; Royal Bank of Canada (RY) at 41.49% distributes an above-typical share — opposite departures from the band, with the risk sitting on RY’s side.

Dividend Metrics

Valuation

Wintrust Financial (WTFC) at 11.60 is near its industry’s usual P/E ratio, while Royal Bank of Canada (RY) at 17.58 sits in the richer quartile — RY needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Royal Bank of Canada (RY) 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.

Wintrust Financial (WTFC) at 1.49 sits near its industry’s typical P/B ratio, while Royal Bank of Canada (RY) at 2.92 prices above its benchmark range — RY looks rich relative to book.

Valuation Metrics