WTFC Fundamental Analysis - WINTRUST FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to WTFC. WTFC was compared to 393 industry peers in the Banks industry. There are concerns on the financial health of WTFC while its profitability can be described as average. WTFC is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year WTFC was profitable.

WTFC had a positive operating cash flow in the past year.

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 Return On Assets of 1.02%. This is in the better half of the industry: WTFC outperforms 66.92% of its industry peers.

WTFC has a better Return On Equity (10.13%) than 67.94% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.02%
ROE	10.13%
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

WTFC's Profit Margin of 26.87% is fine compared to the rest of the industry. WTFC outperforms 69.97% of its industry peers.

WTFC's Profit Margin has improved in the last couple of years.

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)	26.87%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

WTFC does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, WTFC has more shares outstanding

Compared to 5 years ago, WTFC has more shares outstanding

WTFC has a better debt/assets ratio than last year.

2.2 Solvency

WTFC has a debt to FCF ratio of 1.56. This is a very positive value and a sign of high solvency as it would only need 1.56 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.56, WTFC is in line with its industry, outperforming 59.80% of the companies in the same industry.

WTFC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.

WTFC has a Debt to Equity ratio of 0.16. This is comparable to the rest of the industry: WTFC outperforms 52.42% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.56
Altman-Z	N/A

ROIC/WACCN/A

WACC15.01%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

WTFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.99%, which is quite good.

WTFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.32% yearly.

WTFC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.87%.

WTFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.88% yearly.

EPS 1Y (TTM)9.99%

EPS 3Y10.85%

EPS 5Y11.32%

EPS Q2Q%19.83%

Revenue 1Y (TTM)7.87%

Revenue growth 3Y12.72%

Revenue growth 5Y10.88%

Sales Q2Q%13.35%

3.2 Future

The Earnings Per Share is expected to grow by 7.78% on average over the next years.

WTFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.89% yearly.

EPS Next Y6.3%

EPS Next 2Y5.32%

EPS Next 3Y7.78%

EPS Next 5YN/A

Revenue Next Year8.68%

Revenue Next 2Y7%

Revenue Next 3Y6.89%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.49, which indicates a correct valuation of WTFC.

The rest of the industry has a similar Price/Earnings ratio as WTFC.

When comparing the Price/Earnings ratio of WTFC to the average of the S&P500 Index (27.93), we can say WTFC is valued rather cheaply.

A Price/Forward Earnings ratio of 11.54 indicates a reasonable valuation of WTFC.

62.09% of the companies in the same industry are cheaper than WTFC, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 37.78, WTFC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.49
Fwd PE	11.54

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of WTFC is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	12.72
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)1.98

PEG (5Y)1.1

EPS Next 2Y5.32%

EPS Next 3Y7.78%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.51%, WTFC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.40, WTFC is paying slightly less dividend.

WTFC's Dividend Yield is slightly below the S&P500 average, which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	1.51%

5.2 History

On average, the dividend of WTFC grows each year by 14.46%, which is quite nice.

WTFC has paid a dividend for at least 10 years, which is a reliable track record.

WTFC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)14.46%

Div Incr Years11

Div Non Decr Years14

5.3 Sustainability

22.34% of the earnings are spent on dividend by WTFC. This is a low number and sustainable payout ratio.

The dividend of WTFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP22.34%

EPS Next 2Y5.32%

EPS Next 3Y7.78%

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WINTRUST FINANCIAL CORP

NASDAQ:WTFC (7/28/2025, 8:00:02 PM)

After market: 132.8 +0.8 (+0.61%)

132

-0.11 (-0.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-21 2025-07-21/amc

Earnings (Next)10-20 2025-10-20/amc

Inst Owners98.04%

Inst Owner Change-0.02%

Ins Owners1.17%

Ins Owner Change-3.59%

Market Cap8.83B

Analysts84.21

Price Target141.7 (7.35%)

Short Float %2.87%

Short Ratio5.38

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.51%

Yearly Dividend2.24

Dividend Growth(5Y)14.46%

DP22.34%

Div Incr Years11

Div Non Decr Years14

Ex-Date05-08 2025-05-08 (0.5)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)5.02%

Min EPS beat(2)3.85%

Max EPS beat(2)6.2%

EPS beat(4)2

Avg EPS beat(4)0.19%

Min EPS beat(4)-5.91%

Max EPS beat(4)6.2%

EPS beat(8)4

Avg EPS beat(8)-0.92%

EPS beat(12)6

Avg EPS beat(12)-2%

EPS beat(16)10

Avg EPS beat(16)1.55%

Revenue beat(2)0

Avg Revenue beat(2)-2.15%

Min Revenue beat(2)-2.28%

Max Revenue beat(2)-2.02%

Revenue beat(4)0

Avg Revenue beat(4)-2.12%

Min Revenue beat(4)-2.96%

Max Revenue beat(4)-1.22%

Revenue beat(8)1

Avg Revenue beat(8)-1.46%

Revenue beat(12)1

Avg Revenue beat(12)-1.76%

Revenue beat(16)4

Avg Revenue beat(16)-1.01%

PT rev (1m)1.06%

PT rev (3m)2.32%

EPS NQ rev (1m)-0.16%

EPS NQ rev (3m)1.66%

EPS NY rev (1m)-0.15%

EPS NY rev (3m)3.37%

Revenue NQ rev (1m)0.13%

Revenue NQ rev (3m)0.3%

Revenue NY rev (1m)0.04%

Revenue NY rev (3m)-0.04%

Valuation

		Industry Rank	Sector Rank
PE	12.49
Fwd PE	11.54
P/S	3.55
P/FCF	12.72
P/OCF	11.47
P/B	1.34
P/tB	1.55
EV/EBITDA	N/A

EPS(TTM)10.57

EY8.01%

EPS(NY)11.44

Fwd EY8.66%

FCF(TTM)10.38

FCFY7.86%

OCF(TTM)11.51

OCFY8.72%

SpS37.19

BVpS98.62

TBVpS84.98

PEG (NY)1.98

PEG (5Y)1.1

Profitability

		Industry Rank	Sector Rank
ROA	1.02%
ROE	10.13%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.87%
GM	N/A
FCFM	27.91%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.56
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	103.88%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC15.01%

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)9.99%

EPS 3Y10.85%

EPS 5Y11.32%

EPS Q2Q%19.83%

EPS Next Y6.3%

EPS Next 2Y5.32%

EPS Next 3Y7.78%

EPS Next 5YN/A

Revenue 1Y (TTM)7.87%

Revenue growth 3Y12.72%

Revenue growth 5Y10.88%

Sales Q2Q%13.35%

Revenue Next Year8.68%

Revenue Next 2Y7%

Revenue Next 3Y6.89%

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 1Y-25.34%

FCF growth 3Y-16.04%

FCF growth 5Y28.13%

OCF growth 1Y-21.84%

OCF growth 3Y-13.91%

OCF growth 5Y22.09%

WINTRUST FINANCIAL CORP (WTFC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens