WINTRUST FINANCIAL CORP (WTFC)
US97650W1080 - Common Stock
Taking everything into account, WTFC scores 4 out of 10 in our fundamental rating. WTFC was compared to 411 industry peers in the Banks industry. There are concerns on the financial health of WTFC while its profitability can be described as average. WTFC has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year WTFC was profitable.
WTFC had a positive operating cash flow in the past year.
In the past 5 years WTFC has always been profitable.
WTFC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of WTFC (1.06%) is better than 66.18% of its industry peers.
WTFC has a Return On Equity of 11.01%. This is in the better half of the industry: WTFC outperforms 67.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 11.01% | ||
| ROIC | N/A |
ROA(3y)0.95%
ROA(5y)0.88%
ROE(3y)10.27%
ROE(5y)9.36%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 26.17%, WTFC is in the better half of the industry, outperforming 62.04% of the companies in the same industry.
In the last couple of years the Profit Margin of WTFC has remained more or less at the same level.
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) | 26.17% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.58%
PM growth 5Y0.64%
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.
Compared to 1 year ago, WTFC has more shares outstanding
Compared to 5 years ago, WTFC has more shares outstanding
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 1.92, which is an excellent value as it means it would take WTFC, only 1.92 years of fcf income to pay off all of its debts.
WTFC's Debt to FCF ratio of 1.92 is in line compared to the rest of the industry. WTFC outperforms 59.61% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that WTFC is not too dependend on debt financing.
WTFC's Debt to Equity ratio of 0.25 is in line compared to the rest of the industry. WTFC outperforms 48.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.69%
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 19.75% 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 10.37% on average per year.
The Revenue has grown by 16.14% in the past year. This is quite good.
The Revenue has been growing by 11.45% on average over the past years. This is quite good.
EPS 1Y (TTM)19.75%
EPS 3Y26.97%
EPS 5Y10.37%
EPS growth Q2Q-16.14%
Revenue 1Y (TTM)16.14%
Revenue growth 3Y11.38%
Revenue growth 5Y11.45%
Revenue growth Q2Q3.67%
3.2 Future
The Earnings Per Share is expected to grow by 5.60% on average over the next years.
WTFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.15% yearly.
EPS Next Y5.42%
EPS Next 2Y3.31%
EPS Next 3Y5.6%
EPS Next 5YN/A
Revenue Next Year3.73%
Revenue Next 2Y3.44%
Revenue Next 3Y4.15%
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
The Price/Earnings ratio is 10.45, which indicates a very decent valuation of WTFC.
WTFC's Price/Earnings ratio is in line with the industry average.
WTFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.25.
The Price/Forward Earnings ratio is 9.91, which indicates a very decent valuation of WTFC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WTFC indicates a somewhat cheap valuation: WTFC is cheaper than 63.26% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.67, WTFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.45 | ||
| Fwd PE | 9.91 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as WTFC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.86 | ||
| EV/EBITDA | N/A |
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)1.93
PEG (5Y)1.01
EPS Next 2Y3.31%
EPS Next 3Y5.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.81%, WTFC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.89, WTFC is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.45, WTFC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.81% |
5.2 History
On average, the dividend of WTFC grows each year by 17.69%, which is quite nice.
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)17.69%
Div Incr Years10
Div Non Decr Years13
5.3 Sustainability
WTFC pays out 21.14% 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.
DP21.14%
EPS Next 2Y3.31%
EPS Next 3Y5.6%
WINTRUST FINANCIAL CORP
NASDAQ:WTFC (4/24/2024, 5:41:04 PM)
After market: 100.13 0 (0%)100.13
+0.25 (+0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap6.18B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.81% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.45 | ||
| Fwd PE | 9.91 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.93
PEG (5Y)1.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 11.01% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 26.17% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)19.75%
EPS 3Y26.97%
EPS 5Y
EPS growth Q2Q
EPS Next Y5.42%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)16.14%
Revenue growth 3Y11.38%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y