WF vs. WTFC: Woori Financial vs. Wintrust Financial Stock Comparison

Company Profile

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

Wintrust Financial (WTFC) trades as ordinary local shares, while Woori Financial (WF) 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

Wintrust Financial (WTFC) at 12.88% is around its peer norm for ROE, while Woori Financial (WF) at 7.93% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Wintrust Financial (WTFC) at 32.81% keeps about the industry-typical share of revenue as profit, while Woori Financial (WF) at 27.06% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Woori Financial (WF) 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

Wintrust Financial (WTFC) at 11.23% is around its peer norm for revenue growth, while Woori Financial (WF) at 5.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Wintrust Financial (WTFC) at 10.57% is around its peer norm for EPS growth, while Woori Financial (WF) at 2.58% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Woori Financial (WF) 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: Woori Financial (WF) 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

Wintrust Financial (WTFC) at 1.42% pays an industry-typical yield; Woori Financial (WF) at 1,108.19% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Woori Financial (WF) at 32.85% 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.

Dividend Metrics

Valuation

Woori Financial (WF) at 8.04 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 WF, though growth and earnings durability still matter.

P/S ratio is set aside for both Woori Financial (WF) 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.

Woori Financial (WF) at 0.63 sits in the lower P/B ratio quartile against book while Wintrust Financial (WTFC) at 1.49 is valued near its industry’s middle — WF is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics