Wintrust Financial Corporation WTFCM

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
46/100
Developing

Ranked against 399 peers in Banks - Regional

Key risks

  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.26).
  • Operational Inefficiency Operational efficiency lags peers (score 0.26).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
54
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where WTFCM ranks in Banks - Regional

Wintrust Financial Corporation ranks #225 of 393 scored companies in Banks - Regional by moat score — the top 57%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
221 Synovus Financial Corp. SNV 47/100 Developing
222 Valley National Bancorp - 5.5% VLYPO 47/100 Developing
223 Valley National Bancorp - 6.25% VLYPP 47/100 Developing
224 Valley National Bancorp VLY 46/100 Developing
225 Wintrust Financial Corporation WTFCM 46/100 Developing
226 Wintrust Financial Corporation WTFCP 46/100 Developing
227 Bar Harbor Bankshares, Inc. BHB 46/100 Developing
228 Northpointe Bancshares, Inc. NPB 46/100 Developing
229 Stellar Bancorp, Inc. STEL 46/100 Developing

See every Banks & Lenders company ranked by moat score →

How WTFCM scores on the Bank Specialized defenses

Deposit Franchise

Score 54 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 36 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 46 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 30 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 65 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 50 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding WTFCM's moat

What is Wintrust Financial Corporation 's moat score?

Wintrust Financial Corporation (WTFCM) scores 46 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #225 of 393 scored companies in Banks - Regional, the top 57%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (65/100) and its weakest is Cost Discipline (30/100).

How does Wintrust Financial Corporation compare with other Banks - Regional companies?

Wintrust Financial Corporation ranks #225 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Valley National Bancorp (VLY) at 46 just above it and Wintrust Financial Corporation (WTFCP) at 46 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Wintrust Financial Corporation scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Wintrust Financial Corporation ?

The Bank Specialized template measures 6 defenses, and WTFCM scores: Deposit Franchise (54), Lending Advantage (36), Capital Strength (46), Cost Discipline (30), Revenue Diversification (65), Risk Management (50). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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