WINTRUST FINANCIAL CORP (WTFC) Fundamental Analysis & Valuation

NASDAQ:WTFC • US97650W1080

Current stock price

130.21 USD
-1.32 (-1%)
At close:
130.21 USD
0 (0%)
After Hours:

This WTFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. WTFC Profitability Analysis

1.1 Basic Checks

  • In the past year WTFC was profitable.
  • In the past year WTFC had a positive cash flow from operations.
  • WTFC had positive earnings in each of the past 5 years.
  • WTFC had a positive operating cash flow in each of the past 5 years.
WTFC Yearly Net Income VS EBIT VS OCF VS FCFWTFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B

1.2 Ratios

  • WTFC has a Return On Assets of 1.09%. This is in the better half of the industry: WTFC outperforms 64.83% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.67%, WTFC is in the better half of the industry, outperforming 67.98% of the companies in the same industry.
Industry RankSector Rank
ROA 1.09%
ROE 10.67%
ROIC N/A
ROA(3y)1.06%
ROA(5y)0.99%
ROE(3y)10.73%
ROE(5y)10.39%
ROIC(3y)N/A
ROIC(5y)N/A
WTFC Yearly ROA, ROE, ROICWTFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of WTFC (28.40%) is better than 68.24% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 28.4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.87%
PM growth 5Y11.44%
GM growth 3YN/A
GM growth 5YN/A
WTFC Yearly Profit, Operating, Gross MarginsWTFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. WTFC Health Analysis

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.
  • WTFC has more shares outstanding than it did 5 years ago.
  • WTFC has a better debt/assets ratio than last year.
WTFC Yearly Shares OutstandingWTFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
WTFC Yearly Total Debt VS Total AssetsWTFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of WTFC is 1.20, which is an excellent value as it means it would take WTFC, only 1.20 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of WTFC (1.20) is better than 64.04% of its industry peers.
  • WTFC has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • WTFC's Debt to Equity ratio of 0.14 is in line compared to the rest of the industry. WTFC outperforms 55.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC14.3%
WTFC Yearly LT Debt VS Equity VS FCFWTFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WTFC Yearly Current Assets VS Current LiabilitesWTFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. WTFC Growth Analysis

3.1 Past

  • WTFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.57%, which is quite good.
  • The Earnings Per Share has been growing by 19.49% on average over the past years. This is quite good.
  • WTFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.23%.
  • The Revenue has been growing by 10.64% on average over the past years. This is quite good.
EPS 1Y (TTM)10.57%
EPS 3Y12.53%
EPS 5Y19.49%
EPS Q2Q%19.77%
Revenue 1Y (TTM)11.23%
Revenue growth 3Y11.69%
Revenue growth 5Y10.64%
Sales Q2Q%11.85%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.91% on average over the next years. This is quite good.
  • Based on estimates for the next years, WTFC will show a small growth in Revenue. The Revenue will grow by 6.81% on average per year.
EPS Next Y10.82%
EPS Next 2Y9.56%
EPS Next 3Y8.91%
EPS Next 5YN/A
Revenue Next Year7.91%
Revenue Next 2Y7.07%
Revenue Next 3Y6.81%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
WTFC Yearly Revenue VS EstimatesWTFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
WTFC Yearly EPS VS EstimatesWTFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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5

4. WTFC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.42, which indicates a very decent valuation of WTFC.
  • The rest of the industry has a similar Price/Earnings ratio as WTFC.
  • WTFC is valuated cheaply when we compare the Price/Earnings ratio to 25.71, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 10.31, the valuation of WTFC can be described as reasonable.
  • WTFC's Price/Forward Earnings ratio is in line with the industry average.
  • WTFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.42
Fwd PE 10.31
WTFC Price Earnings VS Forward Price EarningsWTFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, WTFC is valued a bit cheaper than 64.30% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.18
EV/EBITDA N/A
WTFC Per share dataWTFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • WTFC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.06
PEG (5Y)0.59
EPS Next 2Y9.56%
EPS Next 3Y8.91%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. WTFC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.37%, WTFC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.90, WTFC is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.91, WTFC is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.37%

5.2 History

  • The dividend of WTFC is nicely growing with an annual growth rate of 11.19%!
  • 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)11.19%
Div Incr Years11
Div Non Decr Years14
WTFC Yearly Dividends per shareWTFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 21.88% 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.
DP21.88%
EPS Next 2Y9.56%
EPS Next 3Y8.91%
WTFC Yearly Income VS Free CF VS DividendWTFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B
WTFC Dividend Payout.WTFC Dividend Payout, showing the Payout Ratio.WTFC Dividend Payout.PayoutRetained Earnings

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WTFC Fundamentals: All Metrics, Ratios and Statistics

WINTRUST FINANCIAL CORP

NASDAQ:WTFC (3/13/2026, 8:03:40 PM)

After market: 130.21 0 (0%)

130.21

-1.32 (-1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners96.46%
Inst Owner Change-0.63%
Ins Owners1.21%
Ins Owner Change2.77%
Market Cap8.76B
Revenue(TTM)2.73B
Net Income(TTM)774.15M
Analysts83.16
Price Target175.28 (34.61%)
Short Float %3.52%
Short Ratio4.44
Dividend
Industry RankSector Rank
Dividend Yield 1.37%
Yearly Dividend2.54
Dividend Growth(5Y)11.19%
DP21.88%
Div Incr Years11
Div Non Decr Years14
Ex-Date02-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.81%
Min EPS beat(2)1.7%
Max EPS beat(2)5.91%
EPS beat(4)4
Avg EPS beat(4)4.75%
Min EPS beat(4)1.7%
Max EPS beat(4)6.2%
EPS beat(8)6
Avg EPS beat(8)3.83%
EPS beat(12)8
Avg EPS beat(12)1.11%
EPS beat(16)10
Avg EPS beat(16)1.23%
Revenue beat(2)0
Avg Revenue beat(2)-0.4%
Min Revenue beat(2)-0.8%
Max Revenue beat(2)-0.01%
Revenue beat(4)0
Avg Revenue beat(4)-0.81%
Min Revenue beat(4)-2.02%
Max Revenue beat(4)-0.01%
Revenue beat(8)1
Avg Revenue beat(8)-0.89%
Revenue beat(12)1
Avg Revenue beat(12)-1.3%
Revenue beat(16)2
Avg Revenue beat(16)-0.97%
PT rev (1m)0.49%
PT rev (3m)9.66%
EPS NQ rev (1m)-0.05%
EPS NQ rev (3m)4.72%
EPS NY rev (1m)0.02%
EPS NY rev (3m)5.14%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)1.93%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)1.98%
Valuation
Industry RankSector Rank
PE 11.42
Fwd PE 10.31
P/S 3.21
P/FCF 10.18
P/OCF 9.62
P/B 1.21
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)11.4
EY8.76%
EPS(NY)12.63
Fwd EY9.7%
FCF(TTM)12.79
FCFY9.82%
OCF(TTM)13.53
OCFY10.39%
SpS40.52
BVpS107.9
TBVpS94.59
PEG (NY)1.06
PEG (5Y)0.59
Graham Number166.37
Profitability
Industry RankSector Rank
ROA 1.09%
ROE 10.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.4%
GM N/A
FCFM 31.56%
ROA(3y)1.06%
ROA(5y)0.99%
ROE(3y)10.73%
ROE(5y)10.39%
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 3Y4.87%
PM growth 5Y11.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.2
Debt/EBITDA N/A
Cap/Depr 42.05%
Cap/Sales 1.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.3%
ROIC/WACCN/A
Cap/Depr(3y)60.92%
Cap/Depr(5y)60.78%
Cap/Sales(3y)2.46%
Cap/Sales(5y)2.69%
Profit Quality(3y)107.93%
Profit Quality(5y)168.64%
High Growth Momentum
Growth
EPS 1Y (TTM)10.57%
EPS 3Y12.53%
EPS 5Y19.49%
EPS Q2Q%19.77%
EPS Next Y10.82%
EPS Next 2Y9.56%
EPS Next 3Y8.91%
EPS Next 5YN/A
Revenue 1Y (TTM)11.23%
Revenue growth 3Y11.69%
Revenue growth 5Y10.64%
Sales Q2Q%11.85%
Revenue Next Year7.91%
Revenue Next 2Y7.07%
Revenue Next 3Y6.81%
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 1Y35.38%
FCF growth 3Y-13.33%
FCF growth 5YN/A
OCF growth 1Y26.16%
OCF growth 3Y-12.84%
OCF growth 5YN/A

WINTRUST FINANCIAL CORP / WTFC Fundamental Analysis 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 of WINTRUST FINANCIAL CORP (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.


How financially healthy is WINTRUST FINANCIAL CORP?

The financial health rating of WINTRUST FINANCIAL CORP (WTFC) is 3 / 10.


How sustainable is the dividend of WINTRUST FINANCIAL CORP (WTFC) stock?

The dividend rating of WINTRUST FINANCIAL CORP (WTFC) is 5 / 10 and the dividend payout ratio is 21.88%.