COMP <GO>
WTFC vs PNFP // EV/EBITDA & P/E VALUATION
Wintrust Financial Corporation (NASDAQ) VS. Pinnacle Financial Partners Inc. (NYSE) • 15-METRIC TALLY: WTFC 8
— PNFP 4
▲ EV/EBITDA & P/E VALUATION LEADER: WTFC
LAST: $157.40 (+3.29%) • MKT CAP: $10.28B
valuation
27.4x
LAST: $104.32 (+2.62%) • MKT CAP: $15.36B
valuation
29.9x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WTFC VS. PNFP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WTFC | PNFP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.10% | 3.60% | -0.50 | PNFP | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 27.4x | 29.9x | -2.50 | WTFC | /valuation <GO> |
| Free Cash Flow Yield | 8.27% | 4.18% | +4.09 | WTFC | /fcf-yield <GO> |
| Operating Margin | 75.00% | 22.50% | +52.50 | WTFC | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 18.40% | +49.60 | WTFC | /net-margins <GO> |
| Revenue Growth (YoY) | 5.90% | -1.10% | +7.00 | WTFC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.63% | 1.76% | -0.13 | PNFP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 6/9 | +2.00 | WTFC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 58.7 | 65.4 | -6.70 | PNFP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.14 | 0.92 | +0.22 | WTFC | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.7x | 18.0x | -6.30 | WTFC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.28B | $15.36B | -$5.08B | PNFP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WTFC REV | PNFP REV | WTFC GROSS % | PNFP GROSS % | WTFC FCF | PNFP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $265.6M | $2.62B | — | — | $860.4M | $642.9M |
| FY 2024 | $250.7M | $1.59B | — | — | $635.5M | $764.9M |
| FY 2023 | $220.4M | $1.80B | — | — | $734.5M | $1.28B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WTFC // BETA 1.14
PNFP // BETA 0.92