WINTRUST FINANCIAL CORP (WTFC) Stock Fundamental Analysis
USA - NASDAQ:WTFC - US97650W1080 - Common Stock
129.04 USD
+2.94 (+2.33%)
129.04 USD
0 (0%)
Taking everything into account, WTFC scores 4 out of 10 in our fundamental rating. WTFC was compared to 390 industry peers in the Banks industry. WTFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
WTFC had a positive operating cash flow in the past year.
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
WTFC has a Return On Assets of 1.03%. This is in the better half of the industry: WTFC outperforms 67.26% of its industry peers.
WTFC has a Return On Equity of 9.85%. This is in the better half of the industry: WTFC outperforms 63.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 9.85% | ||
| 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 27.72%, WTFC is doing good in the industry, outperforming 72.89% 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) | 27.72% | ||
| 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.
The number of shares outstanding for WTFC has been increased compared to 1 year ago.
WTFC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for WTFC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of WTFC is 1.41, which is an excellent value as it means it would take WTFC, only 1.41 years of fcf income to pay off all of its debts.
WTFC has a better Debt to FCF ratio (1.41) than 60.36% of its industry peers.
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 (0.16) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.81%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.93% 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.
The Revenue has been growing slightly by 7.87% in the past 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)7.87%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%13.33%
3.2 Future
WTFC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.93% yearly.
Based on estimates for the next years, WTFC will show a small growth in Revenue. The Revenue will grow by 7.83% on average per year.
EPS Next Y9.3%
EPS Next 2Y7.21%
EPS Next 3Y8.93%
EPS Next 5YN/A
Revenue Next Year10.2%
Revenue Next 2Y8.08%
Revenue Next 3Y7.83%
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 11.86, the valuation of WTFC can be described as very reasonable.
WTFC's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.89, WTFC is valued rather cheaply.
The Price/Forward Earnings ratio is 10.89, which indicates a very decent valuation of WTFC.
WTFC's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.99. WTFC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 10.89 |
4.2 Price Multiples
WTFC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. WTFC is cheaper than 64.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.38 | ||
| 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)1.28
PEG (5Y)1.05
EPS Next 2Y7.21%
EPS Next 3Y8.93%
5. Dividend
5.1 Amount
WTFC has a Yearly Dividend Yield of 1.59%.
WTFC's Dividend Yield is slightly below the industry average, which is at 3.53.
Compared to the average S&P500 Dividend Yield of 2.31, WTFC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.59% |
5.2 History
The dividend of WTFC is nicely growing with an annual growth rate of 14.46%!
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
WTFC pays out 21.72% 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.
DP21.72%
EPS Next 2Y7.21%
EPS Next 3Y8.93%
129.04
+2.94 (+2.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners98.08%
Inst Owner Change-0.01%
Ins Owners1.16%
Ins Owner Change-0.42%
Market Cap8.64B
Revenue(TTM)2.45B
Net Income(TTM)711.97M
Analysts84
Price Target159.05 (23.26%)
Short Float %1.83%
Short Ratio2.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.59% |
Yearly Dividend2.24
Dividend Growth(5Y)14.46%
DP21.72%
Div Incr Years11
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.69%
Min EPS beat(2)5.19%
Max EPS beat(2)6.2%
EPS beat(4)3
Avg EPS beat(4)2.97%
Min EPS beat(4)-3.37%
Max EPS beat(4)6.2%
EPS beat(8)5
Avg EPS beat(8)-0.02%
EPS beat(12)7
Avg EPS beat(12)-0.42%
EPS beat(16)10
Avg EPS beat(16)1.75%
Revenue beat(2)0
Avg Revenue beat(2)-1.21%
Min Revenue beat(2)-2.02%
Max Revenue beat(2)-0.4%
Revenue beat(4)0
Avg Revenue beat(4)-1.92%
Min Revenue beat(4)-2.96%
Max Revenue beat(4)-0.4%
Revenue beat(8)1
Avg Revenue beat(8)-1.34%
Revenue beat(12)1
Avg Revenue beat(12)-1.5%
Revenue beat(16)4
Avg Revenue beat(16)-0.7%
PT rev (1m)1.46%
PT rev (3m)12.24%
EPS NQ rev (1m)0.51%
EPS NQ rev (3m)-0.45%
EPS NY rev (1m)0.43%
EPS NY rev (3m)2.82%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)1.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 10.89 | ||
| P/S | 3.36 | ||
| P/FCF | 10.38 | ||
| P/OCF | 9.84 | ||
| P/B | 1.2 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.88
EY8.43%
EPS(NY)11.85
Fwd EY9.18%
FCF(TTM)12.43
FCFY9.63%
OCF(TTM)13.12
OCFY10.16%
SpS38.36
BVpS107.93
TBVpS94.35
PEG (NY)1.28
PEG (5Y)1.05
Graham Number162.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 9.85% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.72% | ||
| GM | N/A | ||
| FCFM | 32.4% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.41 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 39.89% | ||
| Cap/Sales | 1.79% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.88% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.81%
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 Y9.3%
EPS Next 2Y7.21%
EPS Next 3Y8.93%
EPS Next 5YN/A
Revenue 1Y (TTM)7.87%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%13.33%
Revenue Next Year10.2%
Revenue Next 2Y8.08%
Revenue Next 3Y7.83%
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-9.61%
FCF growth 3Y-16.04%
FCF growth 5Y28.13%
OCF growth 1Y-8.52%
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 9.3% 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 21.72%.