WINTRUST FINANCIAL CORP (WTFC) Stock Fundamental Analysis
USA - NASDAQ:WTFC - US97650W1080 - Common Stock
130.02 USD
+2.36 (+1.85%)
130.02 USD
0 (0%)
Overall WTFC gets a fundamental rating of 4 out of 10. We evaluated WTFC against 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
In the past year WTFC was profitable.
In the past year WTFC had a positive cash flow from operations.
In the past 5 years WTFC has always been profitable.
Of the past 5 years WTFC 4 years had a positive operating cash flow.
1.2 Ratios
WTFC has a better Return On Assets (1.03%) than 66.92% of its industry peers.
The Return On Equity of WTFC (9.85%) is better than 62.82% 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
WTFC's Profit Margin of 27.72% is fine compared to the rest of the industry. WTFC outperforms 72.82% of its industry peers.
In the last couple of years the Profit Margin of WTFC has grown nicely.
The Operating Margin and Gross Margin are not available for WTFC so they could not be analyzed.
| 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.
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 1.41, 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's Debt to FCF ratio of 1.41 is fine compared to the rest of the industry. WTFC outperforms 60.51% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that WTFC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.16, WTFC is in line with its industry, outperforming 53.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WTFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.93%, which is quite good.
WTFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.32% yearly.
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)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
Based on estimates for the next years, WTFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.93% on average per year.
The Revenue is expected to grow by 7.83% on average over the next years.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.95 indicates a reasonable valuation of WTFC.
Compared to the rest of the industry, the Price/Earnings ratio of WTFC is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.10, WTFC is valued rather cheaply.
A Price/Forward Earnings ratio of 10.97 indicates a reasonable valuation of WTFC.
WTFC's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, WTFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.95 | ||
| Fwd PE | 10.97 |
4.2 Price Multiples
62.82% of the companies in the same industry are more expensive than WTFC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.46 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WTFC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.29
PEG (5Y)1.06
EPS Next 2Y7.21%
EPS Next 3Y8.93%
5. Dividend
5.1 Amount
WTFC has a Yearly Dividend Yield of 1.52%.
Compared to an average industry Dividend Yield of 3.45, WTFC is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.35, WTFC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
5.2 History
On average, the dividend of WTFC grows each year by 14.46%, which is quite nice.
WTFC has been paying a dividend for at least 10 years, so it has 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
21.72% of the earnings are spent on dividend by WTFC. This is a low number and sustainable payout ratio.
The dividend of WTFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP21.72%
EPS Next 2Y7.21%
EPS Next 3Y8.93%
130.02
+2.36 (+1.85%)
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 Cap8.70B
Revenue(TTM)2.45B
Net Income(TTM)711.97M
Analysts84
Price Target159.85 (22.94%)
Short Float %1.97%
Short Ratio2.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
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 | 11.95 | ||
| Fwd PE | 10.97 | ||
| P/S | 3.39 | ||
| P/FCF | 10.46 | ||
| P/OCF | 9.91 | ||
| P/B | 1.2 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.88
EY8.37%
EPS(NY)11.85
Fwd EY9.11%
FCF(TTM)12.43
FCFY9.56%
OCF(TTM)13.12
OCFY10.09%
SpS38.36
BVpS107.93
TBVpS94.35
PEG (NY)1.29
PEG (5Y)1.06
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
WACC14.84%
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%.