Columbia Banking System vs Wintrust Financial
Wintrust Financial is the larger business, with $2.73bn of revenue in fiscal 2025 against $2.30bn for Columbia Banking System (1.2 times as much). Columbia Banking System grew faster (19.3% against 11.2%). Wintrust Financial kept more of each dollar of sales as profit: a net margin of 30.2% against 23.9%.
| Latest fiscal year | Columbia Banking SystemCOLB, 2025 | Wintrust FinancialWTFC, 2025 |
|---|---|---|
| Revenue | $2.30bn | $2.73bn |
| Revenue growth | 19.3% | 11.2% |
| Net income | $550m | $824m |
| Operating margin | — | — |
| Net margin | 23.9% | 30.2% |
| Return on equity | 8.5% | 12.1% |
| Free cash flow | $746m | $860m |
| Cash | $2.38bn | $468m |
| Total debt | $0 | $422m |
| Debt to equity | — | — |
| Dividend per share | $1.45 | $2.00 |
| Dividend yield | 4.5% | 1.7% |
| Share buybacks | $109m | — |
| Employees | 4,721 | 5,902 |
| Market value | $8.74bn | $10.45bn |
| Price vs our value range | — | — |
| Moat score | 64 (Moderate) | 63 (Moderate) |
| Insider trades, 12 months | 1 buys, 14 sales | 0 buys, 14 sales |