COMP <GO>
WTFC vs UMBF // FORWARD P/E MULTIPLE
Wintrust Financial Corporation (NASDAQ) VS. UMB Financial Corporation (NASDAQ) • 15-METRIC TALLY: WTFC 9
— UMBF 2
▲ FORWARD P/E MULTIPLE LEADER: WTFC
LAST: $157.40 (+3.29%) • MKT CAP: $10.28B
forward-pe
11.7x
LAST: $137.46 (+2.22%) • MKT CAP: $10.21B
forward-pe
13.7x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WTFC VS. UMBF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WTFC | UMBF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.10% | 2.50% | +0.60 | WTFC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 27.4x | 33.4x | -6.00 | WTFC | /valuation <GO> |
| Free Cash Flow Yield | 8.27% | 9.46% | -1.19 | UMBF | /fcf-yield <GO> |
| Operating Margin | 75.00% | 29.60% | +45.40 | WTFC | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 24.30% | +43.70 | WTFC | /net-margins <GO> |
| Revenue Growth (YoY) | 5.90% | 7.70% | -1.80 | UMBF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.63% | 1.31% | +0.32 | WTFC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 58.7 | 51.1 | +7.60 | WTFC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.14 | 1.02 | +0.12 | WTFC | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | 11.7x | 13.7x | -2.00 | WTFC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.28B | $10.21B | $67.1M | WTFC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WTFC REV | UMBF REV | WTFC GROSS % | UMBF GROSS % | WTFC FCF | UMBF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $265.6M | $2.32B | — | — | $860.4M | $978.1M |
| FY 2024 | $250.7M | $1.46B | — | — | $635.5M | $205.3M |
| FY 2023 | $220.4M | $1.16B | — | — | $734.5M | $472.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WTFC // BETA 1.14
UMBF // BETA 1.02