Logo image of WTFC

WINTRUST FINANCIAL CORP (WTFC) Stock Fundamental Analysis

NASDAQ:WTFC - Nasdaq - US97650W1080 - Common Stock - Currency: USD

127.955  -0.67 (-0.52%)

After market: 127.955 0 (0%)

Fundamental Rating

4

WTFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. While WTFC is still in line with the averages on profitability rating, there are concerns on its financial health. WTFC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

WTFC has a better Return On Assets (1.02%) than 65.65% of its industry peers.
With a decent Return On Equity value of 10.13%, WTFC is doing good in the industry, outperforming 68.45% of the companies in the same industry.
Industry RankSector 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
WTFC Yearly ROA, ROE, ROICWTFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 26.87%, WTFC is doing good in the industry, outperforming 70.48% of the companies in the same industry.
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 RankSector 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
WTFC Yearly Profit, Operating, Gross MarginsWTFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

2

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.
The debt/assets ratio for WTFC has been reduced compared to a year ago.
WTFC Yearly Shares OutstandingWTFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
WTFC Yearly Total Debt VS Total AssetsWTFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

The Debt to FCF ratio of WTFC is 1.56, which is an excellent value as it means it would take WTFC, only 1.56 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.56, WTFC perfoms like the industry average, outperforming 59.80% of the companies in the same industry.
A Debt/Equity ratio of 0.16 indicates that WTFC is not too dependend on debt financing.
The Debt to Equity ratio of WTFC (0.16) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.56
Altman-Z N/A
ROIC/WACCN/A
WACC15.06%
WTFC Yearly LT Debt VS Equity VS FCFWTFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

More info and screens

4

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.
The Revenue has been growing slightly by 7.87% in the past year.
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

WTFC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.78% yearly.
WTFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.45% yearly.
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

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
WTFC Yearly EPS VS EstimatesWTFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.11, the valuation of WTFC can be described as correct.
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 (26.85), we can say WTFC is valued rather cheaply.
The Price/Forward Earnings ratio is 11.19, which indicates a very decent valuation of WTFC.
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 34.98, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.11
Fwd PE 11.19
WTFC Price Earnings VS Forward Price EarningsWTFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

WTFC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.33
EV/EBITDA N/A
WTFC Per share dataWTFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WTFC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.92
PEG (5Y)1.07
EPS Next 2Y5.32%
EPS Next 3Y7.78%

More info and screens

5

5. Dividend

5.1 Amount

WTFC has a Yearly Dividend Yield of 1.61%. Purely for dividend investing, there may be better candidates out there.
WTFC's Dividend Yield is slightly below the industry average, which is at 3.41.
WTFC's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.61%

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
WTFC Yearly Dividends per shareWTFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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%
WTFC Yearly Income VS Free CF VS DividendWTFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B
WTFC Dividend Payout.WTFC Dividend Payout, showing the Payout Ratio.WTFC Dividend Payout.PayoutRetained Earnings

More info and screens

WINTRUST FINANCIAL CORP

NASDAQ:WTFC (8/19/2025, 8:24:19 PM)

After market: 127.955 0 (0%)

127.955

-0.67 (-0.52%)

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 Owners98.19%
Inst Owner Change-0.2%
Ins Owners1.16%
Ins Owner Change-3.69%
Market Cap8.57B
Analysts84.21
Price Target156.29 (22.14%)
Short Float %2.06%
Short Ratio3.27
Dividend
Industry RankSector Rank
Dividend Yield 1.61%
Yearly Dividend2.24
Dividend Growth(5Y)14.46%
DP22.34%
Div Incr Years11
Div Non Decr Years14
Ex-Date08-07 2025-08-07 (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)11.47%
PT rev (3m)13.29%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)-0.44%
EPS NY rev (1m)0%
EPS NY rev (3m)3.37%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0.92%
Revenue NY rev (3m)0.96%
Valuation
Industry RankSector Rank
PE 12.11
Fwd PE 11.19
P/S 3.44
P/FCF 12.33
P/OCF 11.12
P/B 1.3
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)10.57
EY8.26%
EPS(NY)11.44
Fwd EY8.94%
FCF(TTM)10.38
FCFY8.11%
OCF(TTM)11.51
OCFY8.99%
SpS37.19
BVpS98.6
TBVpS84.96
PEG (NY)1.92
PEG (5Y)1.07
Profitability
Industry RankSector 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 RankSector 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
WACC15.06%
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%