COMP <GO>
CFR vs WTFC // EV/EBITDA & P/E VALUATION
Cullen/Frost Bankers Inc. (NYSE) VS. Wintrust Financial Corporation (NASDAQ) • 15-METRIC TALLY: CFR 4
— WTFC 6
▲ EV/EBITDA & P/E VALUATION LEADER: CFR
LAST: $160.30 (+1.71%) • MKT CAP: $9.80B
valuation
26.0x
LAST: $157.40 (+3.29%) • MKT CAP: $10.28B
valuation
27.4x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFR VS. WTFC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFR | WTFC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 3.10% | +0.30 | CFR | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 26.0x | 27.4x | -1.40 | CFR | /valuation <GO> |
| Free Cash Flow Yield | 1.30% | 8.27% | -6.97 | WTFC | /fcf-yield <GO> |
| Operating Margin | 75.00% | 75.00% | 0.00 | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 14.40% | 5.90% | +8.50 | CFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.60% | 1.63% | +0.97 | CFR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 8/9 | -1.00 | WTFC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.0 | 58.7 | -4.70 | WTFC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.93 | 1.14 | -0.21 | WTFC | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 11.7x | +1.00 | WTFC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.80B | $10.28B | -$480.8M | WTFC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFR REV | WTFC REV | CFR GROSS % | WTFC GROSS % | CFR FCF | WTFC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $121.6M | $265.6M | — | — | $127.3M | $860.4M |
| FY 2024 | $106.2M | $250.7M | — | — | $861.8M | $635.5M |
| FY 2023 | $93.5M | $220.4M | — | — | $474.6M | $734.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFR // BETA 0.93
WTFC // BETA 1.14