WINTRUST FINANCIAL CORP (WTFC) 94.87 +1.47 (+1.57%)
94.87 +1.47 (+1.57%)
US97650W1080 - Common Stock - After market: 94.87 0 (0%)
Fundamental Rating
We assign a fundamental rating of 3 out of 10 to WTFC. WTFC was compared to 334 industry peers in the Banks industry. WTFC has a bad profitability rating. Also its financial health evaluation is rather negative. WTFC is not priced too expensively while it is growing strongly. Keep and eye on this one!
Profitability
Profitability Rating
WTFC has a Return On Assets of 0.91%. This is below the industry average of 1.11%.
WTFC has a Return On Equity of 10.04%. This is below the industry average of 12.37%.
WTFC's Profit Margin of 24.62% is worse than the rest of the industry. The industry average Profit Margin is 29.84%.
The Piotroski-F score of WTFC is 3.00. This is a low score and indicates issues in the health and profitability of WTFC.
VS Industry
ROA (0.91%) VS Industry: 28% outperformed.
0.15
7.28
ROE (10.04%) VS Industry: 23% outperformed.
3.45
50.89
Profit Margin (24.62%) VS Industry: 23% outperformed.
6.02
51.15
Valuation
Valuation Rating
With a Price/Earnings Ratio of 11.86, the valuation of WTFC can be described as very reasonable.
With a Forward Price/Earnings Ratio of 8.89, the valuation of WTFC can be described as very reasonable.
The low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
With a price book ratio of 1.20, WTFC is valued correctly.
When comparing the price book ratio of WTFC to the average industry price book ratio of 1.21, WTFC is valued in line with its industry peers.
Compared to an average industry Price/Earning Ratio of 10.39, WTFC is valued slightly more expensive.
VS Industry
Price/Earnings (11.86) VS Industry: 29% outperformed.
245.00
0.31
Price/Book (1.2) VS Industry: 51% outperformed.
4.83
0.03
Growth
Growth Rating
Measured over the past 5 years, WTFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.49% on average per year.
Based on estimates for the next 5 years, WTFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.76% on average per year.
The EPS growth is accelerating: in the next 5 years the growth will be better than in the last years.
WTFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.33%.
The Revenue has been growing by 11.18% on average over the past 5 years. This is quite good.
WTFC is expected to show quite a strong growth in Revenue. In the coming 5 years, the Revenue will grow by 11.28% yearly.
The Earnings Per Share has been growing slightly by 5.68% over the past year.
The Revenue growth is stable: in the next 5 years the growth will be about the same than in the last 5 years.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 13.49% | 9.88% | 5.68% | 33.37% | 16.76% | N/A | N/A |
| Revenue | 11.18% | 10.19% | 14.33% | 20.07% | 11.28% | N/A | N/A |
Health
Health Rating
When comparing the Debt to Equity Ratio of WTFC to the average industry Debt to Equity Ratio of 0.20, WTFC required more debt to finance its operations than its industry peers.
The Piotroski-F score of WTFC is 3.00. This is a low score and indicates issues in the health and profitability of WTFC.
VS Industry
Debt/Equity (0.27) VS Industry: 39% outperformed.
3.93
0.00
Dividend
Dividend Rating
The dividend of WTFC is nicely growing with an annual growth rate of 10.79%!
WTFC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
WTFC has paid a dividend for at least 10 years, which is a reliable track record.
With a Yearly Dividend Yield of 1.56%, WTFC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.18, WTFC's dividend is way lower than its industry peers. On top of this 90% of the companies listed in the same industry pay a better dividend than WTFC!
WTFC's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
VS Industry
Dividend Yield (1.56%) VS Industry: 10% outperformed.
0.09
19.43
WINTRUST FINANCIAL CORP94.87
NASDAQ:WTFC (2/3/2023, 7:16:19 PM)+1.47 (+1.57%)
| GICS Sector | Financials | ||
| GICS IndustryGroup | Banks | ||
| GICS Industry | Banks | ||
| Earnings (Last) | 01-18 2023-01-18/amc | Earnings (Next) | 04-17 2023-04-17/amc |
| Inst Owners | 90.67% | Inst Owner Change | -0.46% |
| Ins Owners | 1.04% | Ins Owner Change | 13.58% |
| Market Cap | 5.76B | Analysts | 85.88 |
| Price Target | 112.66 (18.75%) | ||
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.56% |
| Dividend Growth(5Y) | 10.79% | DP | 0% |
| Div Incr Years | 9 | Div Non Decr Years | 12 |
| Ex-Date | N/A | ||
| EPS beat(2) | 1 | Avg EPS beat(2) | -5.39% |
| Min EPS beat(2) | -15.24% | Max EPS beat(2) | 4.45% |
| EPS beat(4) | 2 | Avg EPS beat(4) | 1.58% |
| Min EPS beat(4) | -15.24% | Max EPS beat(4) | 30.89% |
| Revenue beat(2) | N/A | Avg Revenue beat(2) | -1.58% |
| Min Revenue beat(2) | -2.42% | Max Revenue beat(2) | -0.74% |
| Revenue beat(4) | 1 | Avg Revenue beat(4) | 0.02% |
| Min Revenue beat(4) | -3.59% | Max Revenue beat(4) | 6.83% |
| PT rev (1m) | 0.19% | PT rev (3m) | 6.38% |
| EPS NQ rev (1m) | 0.06% | EPS NQ rev (3m) | 18.29% |
| EPS NY rev (1m) | 0% | EPS NY rev (3m) | 12.68% |
| Revenue NQ rev (1m) | -0.21% | Revenue NQ rev (3m) | 9.3% |
| Revenue NY rev (1m) | 0% | Revenue NY rev (3m) | 8.26% |
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 8.89 | ||
| P/S | 2.95 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.2 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
| EPS(TTM) | 8 | EY | 8.43% |
| EPS(NY) | 10.67 | Fwd EY | 11.25% |
| FCF(TTM) | N/A | FCFY | N/A |
| OCF(TTM) | N/A | OCFY | N/A |
| SpS | 32.2 | BVpS | 78.94 |
| TBVpS | 67.82 | PEG (NY) | 0.36 |
| PEG (5Y) | 0.88 | ||
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 10.04% | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM | 24.62% | ||
| GM | N/A |
| ROICexgc(3y) | N/A | ROICexcg growth 3Y | N/A |
| ROICexcg growth 5Y | N/A | ROICexc(3y) | N/A |
| ROICexc growth 3Y | N/A | ROICexc growth 5Y | N/A |
| OM growth 3Y | N/A | OM growth 5Y | N/A |
| PM growth 3Y | 1.19% | PM growth 5Y | 2.72% |
| GM growth 3Y | N/A | GM growth 5Y | N/A |
| F-Score | 3 | Asset Turnover | 0.04 |
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
| F-Score | 3 | WACC | 7.88% |
| ROIC/WACC | N/A | Cap/Depr(3y) | N/A |
| Cap/Depr(5y) | N/A | Profit Quality(3y) | N/A |
| Profit Quality(5y) | N/A | ||
| EPS 1Y | 5.68% | EPS 3Y | 9.88% |
| EPS 5Y | 13.49% | EPS growth Q2Q | 41.14% |
| EPS Next Y | 33.37% | EPS Next 2Y | 16.76% |
| EPS Next 3Y | N/A | EPS Next 5Y | N/A |
| Revenue growth 1Y | 14.33% | Revenue growth 3Y | 10.19% |
| Revenue growth 5Y | 11.18% | Revenue growth Q2Q | 28.12% |
| Revenue Next Year | 20.07% | Revenue Next 2Y | 11.28% |
| Revenue Next 3Y | N/A | Revenue Next 5Y | N/A |
| EBIT growth 1Y | N/A | EBIT growth 3Y | N/A |
| EBIT growth 5Y | N/A | EBIT Next Year | N/A |
| EBIT Next 3Y | N/A | EBIT Next 5Y | N/A |
| FCF growth 1Y | N/A | FCF growth 3Y | N/A |
| FCF growth 5Y | N/A | OCF growth 1Y | N/A |
| OCF growth 3Y | N/A | OCF growth 5Y | N/A |
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