WINTRUST FINANCIAL CORP(NASDAQ:WTFC) stock Fundamental Analysis

Fundamental Rating

WTFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 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 is not valued too expensively and it also shows a decent growth rate.

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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 1.03%, WTFC is doing good in the industry, outperforming 68.59% of the companies in the same industry.

WTFC has a better Return On Equity (10.51%) than 72.36% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.03%
ROE	10.51%
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 27.22%, WTFC is doing good in the industry, outperforming 71.36% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	27.22%
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.

Compared to 5 years ago, WTFC has more shares outstanding

WTFC has a better debt/assets ratio than last year.

2.2 Solvency

WTFC has a debt to FCF ratio of 1.71. This is a very positive value and a sign of high solvency as it would only need 1.71 years to pay back of all of its debts.

WTFC has a Debt to FCF ratio (1.71) which is in line with its industry peers.

WTFC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.17, WTFC perfoms like the industry average, outperforming 51.76% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	1.71
Altman-Z	N/A

ROIC/WACCN/A

WACC15.65%

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 been growing slightly by 4.55% 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.

Looking at the last year, WTFC shows a small growth in Revenue. The Revenue has grown by 7.87% in the last 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)4.55%

EPS 3Y10.85%

EPS 5Y11.32%

EPS Q2Q%-6.92%

Revenue 1Y (TTM)7.87%

Revenue growth 3Y12.72%

Revenue growth 5Y10.88%

Sales Q2Q%6.34%

3.2 Future

The Earnings Per Share is expected to grow by 6.33% 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 6.79% yearly.

EPS Next Y2.83%

EPS Next 2Y4.31%

EPS Next 3Y6.33%

EPS Next 5YN/A

Revenue Next Year8.72%

Revenue Next 2Y7.02%

Revenue Next 3Y6.79%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.96, the valuation of WTFC can be described as very reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of WTFC is on the same level as its industry peers.

WTFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.

Based on the Price/Forward Earnings ratio of 9.88, the valuation of WTFC can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of WTFC is on the same level as its industry peers.

The average S&P500 Price/Forward Earnings ratio is at 21.38. WTFC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.96
Fwd PE	9.88

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	11.67
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)3.87

PEG (5Y)0.97

EPS Next 2Y4.31%

EPS Next 3Y6.33%

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5. Dividend

5.1 Amount

WTFC has a Yearly Dividend Yield of 1.80%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.54, WTFC is paying slightly less dividend.

WTFC's Dividend Yield is slightly below the S&P500 average, which is at 2.47.

		Industry Rank	Sector Rank
Dividend Yield	1.8%

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

5.3 Sustainability

WTFC pays out 21.48% of its income as dividend. This is a sustainable payout ratio.

The dividend of WTFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP21.48%

EPS Next 2Y4.31%

EPS Next 3Y6.33%

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WINTRUST FINANCIAL CORP

NASDAQ:WTFC (4/25/2025, 8:00:01 PM)

After market: 110.79 0 (0%)

110.79

-0.59 (-0.53%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/amc

Earnings (Next)07-15 2025-07-15/amc

Inst Owners96.61%

Inst Owner Change0.74%

Ins Owners1.65%

Ins Owner Change-2.69%

Market Cap7.41B

Analysts84.21

Price Target138.49 (25%)

Short Float %3.03%

Short Ratio3.82

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.8%

Yearly Dividend2.24

Dividend Growth(5Y)14.46%

DP21.48%

Div Incr Years11

Div Non Decr Years14

Ex-Date05-08 2025-05-08 (0.5)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.24%

Min EPS beat(2)-3.37%

Max EPS beat(2)3.85%

EPS beat(4)2

Avg EPS beat(4)2.92%

Min EPS beat(4)-5.91%

Max EPS beat(4)17.1%

EPS beat(8)4

Avg EPS beat(8)-0.71%

EPS beat(12)6

Avg EPS beat(12)0.06%

EPS beat(16)10

Avg EPS beat(16)5.97%

Revenue beat(2)0

Avg Revenue beat(2)-2.62%

Min Revenue beat(2)-2.96%

Max Revenue beat(2)-2.28%

Revenue beat(4)1

Avg Revenue beat(4)-0.96%

Min Revenue beat(4)-2.96%

Max Revenue beat(4)2.62%

Revenue beat(8)1

Avg Revenue beat(8)-1.54%

Revenue beat(12)2

Avg Revenue beat(12)-1.02%

Revenue beat(16)5

Avg Revenue beat(16)-0.45%

PT rev (1m)-8.31%

PT rev (3m)-4.67%

EPS NQ rev (1m)0.3%

EPS NQ rev (3m)1.41%

EPS NY rev (1m)0.31%

EPS NY rev (3m)1.56%

Revenue NQ rev (1m)0.06%

Revenue NQ rev (3m)0.97%

Revenue NY rev (1m)0.41%

Revenue NY rev (3m)1.46%

Valuation

		Industry Rank	Sector Rank
PE	10.96
Fwd PE	9.88
P/S	3.03
P/FCF	11.67
P/OCF	10.28
P/B	1.17
P/tB	1.37
EV/EBITDA	N/A

EPS(TTM)10.11

EY9.13%

EPS(NY)11.22

Fwd EY10.13%

FCF(TTM)9.5

FCFY8.57%

OCF(TTM)10.78

OCFY9.73%

SpS36.62

BVpS94.8

TBVpS81.08

PEG (NY)3.87

PEG (5Y)0.97

Profitability

		Industry Rank	Sector Rank
ROA	1.03%
ROE	10.51%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.22%
GM	N/A
FCFM	25.93%

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	0.17
Debt/FCF	1.71
Debt/EBITDA	N/A
Cap/Depr	85.96%
Cap/Sales	3.51%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	95.27%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC15.65%

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)4.55%

EPS 3Y10.85%

EPS 5Y11.32%

EPS Q2Q%-6.92%

EPS Next Y2.83%

EPS Next 2Y4.31%

EPS Next 3Y6.33%

EPS Next 5YN/A

Revenue 1Y (TTM)7.87%

Revenue growth 3Y12.72%

Revenue growth 5Y10.88%

Sales Q2Q%6.34%

Revenue Next Year8.72%

Revenue Next 2Y7.02%

Revenue Next 3Y6.79%

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-8.95%

FCF growth 3Y-16.04%

FCF growth 5Y28.13%

OCF growth 1Y-3.07%

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