F.N.B. (FNB) vs Wintrust Financial (WTFC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Wintrust Financial (WTFC) has outperformed F.N.B. (FNB) over the past year, gaining 9.0% versus a gain of 7.0%. Over five years, WTFC leads with a +71.7% price change compared with +42.2% for FNB. Wintrust Financial is the larger company by market cap ($9.66 billion vs $6.02 billion), about 1.6 times the size, while F.N.B. is growing revenue faster (+10.6% vs +5.9%).
On valuation, F.N.B. trades at a lower forward P/E (9.0x vs 10.3x for Wintrust Financial). F.N.B. offers the higher dividend yield (2.87% vs 1.47%). Wintrust Financial converts more of its revenue into profit, with a net margin of 310.1% versus 32.0%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FNB | WTFC |
|---|---|---|
| Share price | $17.06 | $143.25 |
| Market cap | $6.02B | $9.66B |
| 1-day change | -1.27% | -0.66% |
| YTD return | -0.23% | +2.45% |
| 1-year return | +6.96% | +9.00% |
| 5-year return | +42.17% | +71.71% |
| P/E ratio (TTM) | 10.28 | 11.51 |
| Forward P/E | 9.03 | 10.30 |
| EPS (TTM) | $1.66 | $12.45 |
| Dividend yield | 2.87% | 1.47% |
| Annual dividend | $0.49 | $2.10 |
| Revenue (latest FY) | $1.76B | $265.63M |
| Revenue growth (YoY) | +10.59% | +5.94% |
| Net income (latest FY) | $565.00M | $823.84M |
| Net margin | 32.01% | 310.14% |
| 52-week high | $19.59 | $167.22 |
| 52-week low | $14.46 | $119.61 |
| Distance from 52-week high | -12.91% | -14.33% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +21.45% | +23.00% |
| Average volume | 4.79M | 569.70K |
| Shares outstanding | 353.00M | 67.46M |
| Employees | 4,128 | 5,902 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- F.N.B. offers a meaningfully higher dividend yield (2.87% vs 1.47%).
- Wintrust Financial is more profitable, keeping 310.1 cents of every revenue dollar as net income versus 32.0 cents for F.N.B..
About F.N.B.
FNB stock →F.N.B. Corporation, a bank and financial holding company, provides a range of financial products and services primarily to consumers, corporations, governments, and small- to medium-sized businesses in the United States.
Financial Services · Banks - Regional · 4,128 employees
About Wintrust Financial
WTFC stock →Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management.
Financial Services · Banks - Regional · 5,902 employees
FNB vs WTFC FAQ
Which is bigger, F.N.B. or Wintrust Financial?
Wintrust Financial (WTFC) is larger, with a market capitalization of $9.66B compared with $6.02B for F.N.B. (FNB).
Which stock has performed better over the past year, FNB or WTFC?
WTFC returned +9.00% over the past 12 months, compared with +6.96% for FNB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FNB or WTFC?
FNB has the lower trailing P/E at 10.3, versus 11.5 for WTFC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, F.N.B. or Wintrust Financial?
F.N.B. has the higher yield at 2.87%, compared with 1.47% for Wintrust Financial.
Are F.N.B. and Wintrust Financial in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.