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. WTFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, WTFC is valued expensive at the moment.

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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.

WTFC had positive earnings in each of the past 5 years.

Of the past 5 years WTFC 4 years had a positive operating cash flow.

1.2 Ratios

With a decent Return On Assets value of 1.02%, WTFC is doing good in the industry, outperforming 66.92% of the companies in the same industry.

WTFC's Return On Equity of 10.13% is fine compared to the rest of the industry. WTFC outperforms 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.

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.

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.

The Debt to FCF ratio of WTFC (1.56) is comparable to the rest of the industry.

A Debt/Equity ratio of 0.16 indicates that WTFC is not too dependend on debt financing.

WTFC has a Debt to Equity ratio (0.16) which is comparable to the rest of the industry.

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

ROIC/WACCN/A

WACC15.04%

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

The Earnings Per Share has grown by an nice 9.99% over the past year.

Measured over the past years, WTFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.32% on average per year.

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

The Revenue has been growing by 10.88% on average over the past years. This is quite good.

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

Based on estimates for the next years, WTFC will show a small growth in Earnings Per Share. The EPS will grow by 7.78% on average per year.

The Revenue is expected to grow by 7.45% on average over the next years.

EPS Next Y6.3%

EPS Next 2Y5.32%

EPS Next 3Y7.78%

EPS Next 5YN/A

Revenue Next Year9.68%

Revenue Next 2Y7.56%

Revenue Next 3Y7.45%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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

Based on the Price/Earnings ratio of 12.44, the valuation of WTFC can be described as correct.

WTFC's Price/Earnings is on the same level as the industry average.

WTFC is valuated cheaply when we compare the Price/Earnings ratio to 27.91, which is the current average of the S&P500 Index.

WTFC is valuated reasonably with a Price/Forward Earnings ratio of 11.50.

Based on the Price/Forward Earnings ratio, WTFC is valued a bit more expensive than the industry average as 62.60% of the companies are valued more cheaply.

WTFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.11.

		Industry Rank	Sector Rank
PE	12.44
Fwd PE	11.5

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	12.67
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

WTFC has a Yearly Dividend Yield of 1.52%.

WTFC's Dividend Yield is slightly below the industry average, which is at 3.39.

Compared to the average S&P500 Dividend Yield of 2.32, WTFC is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.52%

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 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

WTFC pays out 22.34% of its income as dividend. This is a sustainable payout ratio.

WTFC's earnings are growing slower than its dividend. 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 (7/29/2025, 8:00:02 PM)

After market: 131.5 0 (0%)

131.5

-0.5 (-0.38%)

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 Cap8.80B

Analysts84.21

Price Target141.7 (7.76%)

Short Float %2.81%

Short Ratio4.69

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.52%

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	12.44
Fwd PE	11.5
P/S	3.54
P/FCF	12.67
P/OCF	11.43
P/B	1.33
P/tB	1.55
EV/EBITDA	N/A

EPS(TTM)10.57

EY8.04%

EPS(NY)11.44

Fwd EY8.7%

FCF(TTM)10.38

FCFY7.89%

OCF(TTM)11.51

OCFY8.75%

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

WACC15.04%

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 Year9.68%

Revenue Next 2Y7.56%

Revenue Next 3Y7.45%

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