140.89 USD
-1.12 (-0.79%)
140.89 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to WTFC. WTFC was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of WTFC while its profitability can be described as average. WTFC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
WTFC had positive earnings in the past year.
In the past year WTFC had a positive cash flow from operations.
In the past 5 years WTFC has always been profitable.
WTFC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
WTFC has a better Return On Assets (1.06%) than 66.67% of its industry peers.
WTFC has a better Return On Equity (10.47%) than 67.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.47% | ||
| ROIC | N/A |
ROA(3y)1%
ROA(5y)0.89%
ROE(3y)10.52%
ROE(5y)9.58%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 27.84%, WTFC is doing good in the industry, outperforming 70.54% of the companies in the same industry.
In the last couple of years the Profit Margin of WTFC has grown nicely.
WTFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.05%
PM growth 5Y2.75%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WTFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
WTFC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for WTFC has been increased compared to 5 years ago.
The debt/assets ratio for WTFC has been reduced compared to a year ago.
2.2 Solvency
WTFC has a debt to FCF ratio of 1.03. This is a very positive value and a sign of high solvency as it would only need 1.03 years to pay back of all of its debts.
WTFC has a better Debt to FCF ratio (1.03) than 65.37% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that WTFC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.16, WTFC is in line with its industry, outperforming 50.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WTFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.93%, which is quite good.
The Earnings Per Share has been growing by 11.32% on average over the past years. This is quite good.
Looking at the last year, WTFC shows a quite strong growth in Revenue. The Revenue has grown by 11.22% in the last year.
Measured over the past years, WTFC shows a quite strong growth in Revenue. The Revenue has been growing by 10.88% on average per year.
EPS 1Y (TTM)13.93%
EPS 3Y10.85%
EPS 5Y11.32%
EPS Q2Q%12.55%
Revenue 1Y (TTM)11.22%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%13.33%
3.2 Future
The Earnings Per Share is expected to grow by 8.78% on average over the next years. This is quite good.
WTFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.64% yearly.
EPS Next Y10.36%
EPS Next 2Y7.96%
EPS Next 3Y8.78%
EPS Next 5YN/A
Revenue Next Year10.72%
Revenue Next 2Y8.26%
Revenue Next 3Y7.64%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.95, WTFC is valued correctly.
WTFC's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of WTFC to the average of the S&P500 Index (26.54), we can say WTFC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.72, the valuation of WTFC can be described as reasonable.
WTFC's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.78, WTFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.95 | ||
| Fwd PE | 11.72 |
4.2 Price Multiples
77.52% of the companies in the same industry are more expensive than WTFC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.25
PEG (5Y)1.14
EPS Next 2Y7.96%
EPS Next 3Y8.78%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.54%, WTFC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.11, WTFC is paying slightly less dividend.
WTFC's Dividend Yield is slightly below the S&P500 average, which is at 2.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
5.2 History
The dividend of WTFC is nicely growing with an annual growth rate of 14.46%!
WTFC has been paying a dividend for at least 10 years, so it has a reliable track record.
WTFC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)14.46%
Div Incr Years11
Div Non Decr Years14
5.3 Sustainability
22.29% of the earnings are spent on dividend by WTFC. This is a low number and sustainable payout ratio.
WTFC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP22.29%
EPS Next 2Y7.96%
EPS Next 3Y8.78%
140.89
-1.12 (-0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners97.57%
Inst Owner Change-0.69%
Ins Owners1.16%
Ins Owner Change-1.26%
Market Cap9.44B
Revenue(TTM)2.65B
Net Income(TTM)737.87M
Analysts84
Price Target159.85 (13.46%)
Short Float %2.45%
Short Ratio3.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
Yearly Dividend2.24
Dividend Growth(5Y)14.46%
DP22.29%
Div Incr Years11
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.45%
Min EPS beat(2)1.7%
Max EPS beat(2)5.19%
EPS beat(4)4
Avg EPS beat(4)4.23%
Min EPS beat(4)1.7%
Max EPS beat(4)6.2%
EPS beat(8)5
Avg EPS beat(8)-0.2%
EPS beat(12)7
Avg EPS beat(12)-0.65%
EPS beat(16)10
Avg EPS beat(16)0.94%
Revenue beat(2)0
Avg Revenue beat(2)-0.6%
Min Revenue beat(2)-0.8%
Max Revenue beat(2)-0.4%
Revenue beat(4)0
Avg Revenue beat(4)-1.38%
Min Revenue beat(4)-2.28%
Max Revenue beat(4)-0.4%
Revenue beat(8)1
Avg Revenue beat(8)-1.31%
Revenue beat(12)1
Avg Revenue beat(12)-1.5%
Revenue beat(16)3
Avg Revenue beat(16)-0.88%
PT rev (1m)0%
PT rev (3m)1.97%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)1.76%
EPS NY rev (1m)0.21%
EPS NY rev (3m)1.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.95 | ||
| Fwd PE | 11.72 | ||
| P/S | 3.56 | ||
| P/FCF | 8.55 | ||
| P/OCF | 8.21 | ||
| P/B | 1.34 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.88
EY7.72%
EPS(NY)12.02
Fwd EY8.53%
FCF(TTM)16.47
FCFY11.69%
OCF(TTM)17.16
OCFY12.18%
SpS39.57
BVpS105.21
TBVpS91.73
PEG (NY)1.25
PEG (5Y)1.14
Graham Number160.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.84% | ||
| GM | N/A | ||
| FCFM | 41.62% |
ROA(3y)1%
ROA(5y)0.89%
ROE(3y)10.52%
ROE(5y)9.58%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.05%
PM growth 5Y2.75%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.03 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 39.37% | ||
| Cap/Sales | 1.75% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 149.49% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.53%
ROIC/WACCN/A
Cap/Depr(3y)68.58%
Cap/Depr(5y)65.56%
Cap/Sales(3y)2.76%
Cap/Sales(5y)3.1%
Profit Quality(3y)162.34%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.93%
EPS 3Y10.85%
EPS 5Y11.32%
EPS Q2Q%12.55%
EPS Next Y10.36%
EPS Next 2Y7.96%
EPS Next 3Y8.78%
EPS Next 5YN/A
Revenue 1Y (TTM)11.22%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%13.33%
Revenue Next Year10.72%
Revenue Next 2Y8.26%
Revenue Next 3Y7.64%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y43.04%
FCF growth 3Y-16.04%
FCF growth 5Y28.13%
OCF growth 1Y40.84%
OCF growth 3Y-13.91%
OCF growth 5Y22.09%
WINTRUST FINANCIAL CORP / WTFC FAQ
Can you provide the ChartMill fundamental rating for WINTRUST FINANCIAL CORP?
ChartMill assigns a fundamental rating of 4 / 10 to WTFC.
What is the valuation status for WTFC stock?
ChartMill assigns a valuation rating of 5 / 10 to WINTRUST FINANCIAL CORP (WTFC). This can be considered as Fairly Valued.
Can you provide the profitability details for WINTRUST FINANCIAL CORP?
WINTRUST FINANCIAL CORP (WTFC) has a profitability rating of 4 / 10.
What is the expected EPS growth for WINTRUST FINANCIAL CORP (WTFC) stock?
The Earnings per Share (EPS) of WINTRUST FINANCIAL CORP (WTFC) is expected to grow by 10.36% in the next year.
Can you provide the dividend sustainability for WTFC stock?
The dividend rating of WINTRUST FINANCIAL CORP (WTFC) is 5 / 10 and the dividend payout ratio is 22.29%.