UMB Financial vs Wintrust Financial
UMB Financial and Wintrust Financial are similar in size: $2.65bn and $2.73bn of revenue in their latest fiscal years. UMB Financial grew faster (62.8% against 11.2%). Wintrust Financial kept more of each dollar of sales as profit: a net margin of 30.2% against 26.5%.
| Latest fiscal year | UMB FinancialUMBF, 2025 | Wintrust FinancialWTFC, 2025 |
|---|---|---|
| Revenue | $2.65bn | $2.73bn |
| Revenue growth | 62.8% | 11.2% |
| Net income | $702m | $824m |
| Operating margin | — | — |
| Net margin | 26.5% | 30.2% |
| Return on equity | 12.6% | 12.1% |
| Free cash flow | $978m | $860m |
| Cash | $7.77bn | $468m |
| Total debt | $474m | $422m |
| Debt to equity | — | — |
| Dividend per share | $1.63 | $2.00 |
| Dividend yield | 1.6% | 1.7% |
| Share buybacks | $17.6m | — |
| Employees | 5,222 | 5,902 |
| Market value | $10.44bn | $10.54bn |
| Price vs our value range | — | — |
| Moat score | 58 (Moderate) | 63 (Moderate) |
| Insider trades, 12 months | 6 buys, 26 sales | 0 buys, 14 sales |