WTFC Fundamental Analysis - WINTRUST FINANCIAL CORP

Fundamental Rating

Overall WTFC gets a fundamental rating of 3 out of 10. We evaluated WTFC against 396 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. While showing a medium growth rate, WTFC is valued expensive at the moment.

Quickly go to:

1. Profitability

1.1 Basic Checks

WTFC had positive earnings in the past year.

WTFC had a positive operating cash flow in the past year.

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

The Return On Assets of WTFC (1.02%) is better than 66.41% of its industry peers.

Looking at the Return On Equity, with a value of 10.13%, WTFC is in the better half of the industry, outperforming 67.42% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

WTFC's Profit Margin of 26.87% is fine compared to the rest of the industry. WTFC outperforms 69.95% of its industry peers.

In the last couple of years the Profit Margin of WTFC has grown nicely.

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)	26.87%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

WTFC does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for WTFC has been increased compared to 1 year ago.

WTFC has more shares outstanding than it did 5 years ago.

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

2.2 Solvency

WTFC has a debt to FCF ratio of 1.56. This is a very positive value and a sign of high solvency as it would only need 1.56 years to pay back of all of its debts.

The Debt to FCF ratio of WTFC (1.56) is comparable to the rest of the industry.

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 52.27% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.56
Altman-Z	N/A

ROIC/WACCN/A

WACC15.05%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

WTFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.99%, 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.

WTFC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.87%.

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)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.

Based on estimates for the next years, WTFC will show a small growth in Revenue. The Revenue will grow by 6.89% on average per year.

EPS Next Y6.3%

EPS Next 2Y5.32%

EPS Next 3Y7.78%

EPS Next 5YN/A

Revenue Next Year8.68%

Revenue Next 2Y7%

Revenue Next 3Y6.89%

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.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

WTFC is valuated correctly with a Price/Earnings ratio of 12.53.

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

The average S&P500 Price/Earnings ratio is at 27.46. WTFC is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 11.58, the valuation of WTFC can be described as very reasonable.

WTFC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. WTFC is more expensive than 60.35% of the companies in the same industry.

WTFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.44, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.53
Fwd PE	11.58

4.2 Price Multiples

WTFC's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	12.76
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)1.99

PEG (5Y)1.11

EPS Next 2Y5.32%

EPS Next 3Y7.78%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

WTFC has a Yearly Dividend Yield of 1.49%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.29, WTFC is paying slightly less dividend.

Compared to the average S&P500 Dividend Yield of 2.34, WTFC is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.49%

5.2 History

The dividend of WTFC is nicely growing with an annual growth rate of 14.46%!

WTFC has paid a dividend for at least 10 years, which is 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

22.34% of the earnings are spent on dividend by WTFC. This is a low number and 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%

More info and screens

Find the best dividend stocks

Show peers with best dividend

WINTRUST FINANCIAL CORP

NASDAQ:WTFC (7/22/2025, 10:05:04 AM)

132.45

+1.07 (+0.81%)

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 Owners98.04%

Inst Owner Change-0.07%

Ins Owners1.17%

Ins Owner Change3.13%

Market Cap8.86B

Analysts84.21

Price Target141.7 (6.98%)

Short Float %2.87%

Short Ratio5.38

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.49%

Yearly Dividend2.24

Dividend Growth(5Y)14.46%

DP22.34%

Div Incr Years11

Div Non Decr Years14

Ex-Date05-08 2025-05-08 (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)1.65%

PT rev (3m)-4.85%

EPS NQ rev (1m)-0.05%

EPS NQ rev (3m)1.78%

EPS NY rev (1m)-0.15%

EPS NY rev (3m)3.37%

Revenue NQ rev (1m)0.08%

Revenue NQ rev (3m)0.26%

Revenue NY rev (1m)0.04%

Revenue NY rev (3m)0.26%

Valuation

		Industry Rank	Sector Rank
PE	12.53
Fwd PE	11.58
P/S	3.56
P/FCF	12.76
P/OCF	11.51
P/B	1.34
P/tB	1.56
EV/EBITDA	N/A

EPS(TTM)10.57

EY7.98%

EPS(NY)11.44

Fwd EY8.63%

FCF(TTM)10.38

FCFY7.84%

OCF(TTM)11.51

OCFY8.69%

SpS37.19

BVpS98.62

TBVpS84.98

PEG (NY)1.99

PEG (5Y)1.11

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC15.05%

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 Year8.68%

Revenue Next 2Y7%

Revenue Next 3Y6.89%

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%

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