WINTRUST FINANCIAL CORP (WTFC) Stock Fundamental Analysis

NASDAQ:WTFC • US97650W1080

153.49 USD
-1.6 (-1.03%)
At close: Feb 19, 2026
154.05 USD
+0.56 (+0.36%)
After Hours: 2/19/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to WTFC. WTFC was compared to 381 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.


Dividend Valuation Growth Profitability Health

4

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.
WTFC Yearly Net Income VS EBIT VS OCF VS FCFWTFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B

1.2 Ratios

  • WTFC has a better Return On Assets (1.06%) than 65.62% of its industry peers.
  • With a decent Return On Equity value of 10.47%, WTFC is doing good in the industry, outperforming 67.45% of the companies in the same industry.
Industry RankSector Rank
ROA 1.06%
ROE 10.47%
ROIC N/A
ROA(3y)1.06%
ROA(5y)0.99%
ROE(3y)10.73%
ROE(5y)10.39%
ROIC(3y)N/A
ROIC(5y)N/A
WTFC Yearly ROA, ROE, ROICWTFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • WTFC has a better Profit Margin (27.84%) than 69.03% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 27.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.87%
PM growth 5Y11.44%
GM growth 3YN/A
GM growth 5YN/A
WTFC Yearly Profit, Operating, Gross MarginsWTFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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
  • WTFC has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, WTFC has an improved debt to assets ratio.
WTFC Yearly Shares OutstandingWTFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
WTFC Yearly Total Debt VS Total AssetsWTFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of WTFC is 1.03, which is an excellent value as it means it would take WTFC, only 1.03 years of fcf income to pay off all of its debts.
  • WTFC's Debt to FCF ratio of 1.03 is fine compared to the rest of the industry. WTFC outperforms 66.14% of its industry peers.
  • WTFC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of WTFC (0.16) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.03
Altman-Z N/A
ROIC/WACCN/A
WACC14.15%
WTFC Yearly LT Debt VS Equity VS FCFWTFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WTFC Yearly Current Assets VS Current LiabilitesWTFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 10.57% over the past year.
  • WTFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.49% yearly.
  • The Revenue has grown by 11.23% in the past year. This is quite good.
  • Measured over the past years, WTFC shows a quite strong growth in Revenue. The Revenue has been growing by 10.64% on average per year.
EPS 1Y (TTM)10.57%
EPS 3Y12.53%
EPS 5Y19.49%
EPS Q2Q%19.77%
Revenue 1Y (TTM)11.23%
Revenue growth 3Y11.69%
Revenue growth 5Y10.64%
Sales Q2Q%11.85%

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 8.76% on average per year.
  • Based on estimates for the next years, WTFC will show a small growth in Revenue. The Revenue will grow by 6.85% on average per year.
EPS Next Y10.8%
EPS Next 2Y9.57%
EPS Next 3Y8.76%
EPS Next 5YN/A
Revenue Next Year7.95%
Revenue Next 2Y7.08%
Revenue Next 3Y6.85%
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.
WTFC Yearly Revenue VS EstimatesWTFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
WTFC Yearly EPS VS EstimatesWTFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.46 indicates a correct 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 27.09.
  • With a Price/Forward Earnings ratio of 12.15, WTFC is valued correctly.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WTFC is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of WTFC to the average of the S&P500 Index (27.98), we can say WTFC is valued rather cheaply.
Industry RankSector Rank
PE 13.46
Fwd PE 12.15
WTFC Price Earnings VS Forward Price EarningsWTFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 74.80% of the companies in the same industry are more expensive than WTFC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.32
EV/EBITDA N/A
WTFC Per share dataWTFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

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)1.25
PEG (5Y)0.69
EPS Next 2Y9.57%
EPS Next 3Y8.76%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • WTFC has a Yearly Dividend Yield of 1.37%.
  • Compared to an average industry Dividend Yield of 2.78, WTFC is paying slightly less dividend.
  • WTFC's Dividend Yield is slightly below the S&P500 average, which is at 1.85.
Industry RankSector Rank
Dividend Yield 1.37%

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 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
WTFC Yearly Dividends per shareWTFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 22.29% 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.
DP22.29%
EPS Next 2Y9.57%
EPS Next 3Y8.76%
WTFC Yearly Income VS Free CF VS DividendWTFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B
WTFC Dividend Payout.WTFC Dividend Payout, showing the Payout Ratio.WTFC Dividend Payout.PayoutRetained Earnings

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WINTRUST FINANCIAL CORP

NASDAQ:WTFC (2/19/2026, 8:00:02 PM)

After market: 154.05 +0.56 (+0.36%)

153.49

-1.6 (-1.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners97.45%
Inst Owner Change-2.3%
Ins Owners1.16%
Ins Owner Change5.03%
Market Cap10.28B
Revenue(TTM)2.73B
Net Income(TTM)737.87M
Analysts83.16
Price Target174.42 (13.64%)
Short Float %2.92%
Short Ratio3.68
Dividend
Industry RankSector Rank
Dividend Yield 1.37%
Yearly Dividend2.24
Dividend Growth(5Y)14.46%
DP22.29%
Div Incr Years11
Div Non Decr Years14
Ex-Date02-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.45%
Min EPS beat(2)1.7%
Max EPS beat(2)5.19%
EPS beat(4)4
Avg EPS beat(4)4.23%
Min EPS beat(4)1.7%
Max EPS beat(4)6.2%
EPS beat(8)5
Avg EPS beat(8)-0.2%
EPS beat(12)7
Avg EPS beat(12)-0.65%
EPS beat(16)10
Avg EPS beat(16)0.94%
Revenue beat(2)0
Avg Revenue beat(2)-0.6%
Min Revenue beat(2)-0.8%
Max Revenue beat(2)-0.4%
Revenue beat(4)0
Avg Revenue beat(4)-1.38%
Min Revenue beat(4)-2.28%
Max Revenue beat(4)-0.4%
Revenue beat(8)1
Avg Revenue beat(8)-1.31%
Revenue beat(12)1
Avg Revenue beat(12)-1.5%
Revenue beat(16)3
Avg Revenue beat(16)-0.88%
PT rev (1m)8.97%
PT rev (3m)9.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.53%
EPS NY rev (1m)4.44%
EPS NY rev (3m)5.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.21%
Revenue NY rev (1m)1.77%
Revenue NY rev (3m)2.12%
Valuation
Industry RankSector Rank
PE 13.46
Fwd PE 12.15
P/S 3.88
P/FCF 9.32
P/OCF 8.94
P/B 1.46
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)11.4
EY7.43%
EPS(NY)12.63
Fwd EY8.23%
FCF(TTM)16.47
FCFY10.73%
OCF(TTM)17.16
OCFY11.18%
SpS39.57
BVpS105.21
TBVpS91.73
PEG (NY)1.25
PEG (5Y)0.69
Graham Number164.27
Profitability
Industry RankSector Rank
ROA 1.06%
ROE 10.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.84%
GM N/A
FCFM 41.62%
ROA(3y)1.06%
ROA(5y)0.99%
ROE(3y)10.73%
ROE(5y)10.39%
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 3Y4.87%
PM growth 5Y11.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.03
Debt/EBITDA N/A
Cap/Depr 39.37%
Cap/Sales 1.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 149.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.15%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.57%
EPS 3Y12.53%
EPS 5Y19.49%
EPS Q2Q%19.77%
EPS Next Y10.8%
EPS Next 2Y9.57%
EPS Next 3Y8.76%
EPS Next 5YN/A
Revenue 1Y (TTM)11.23%
Revenue growth 3Y11.69%
Revenue growth 5Y10.64%
Sales Q2Q%11.85%
Revenue Next Year7.95%
Revenue Next 2Y7.08%
Revenue Next 3Y6.85%
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 1Y179.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y140.12%
OCF growth 3YN/A
OCF growth 5YN/A

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 of WINTRUST FINANCIAL CORP (WTFC) stock?

ChartMill assigns a valuation rating of 4 / 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.


How financially healthy is WINTRUST FINANCIAL CORP?

The financial health rating of WINTRUST FINANCIAL CORP (WTFC) is 3 / 10.


How sustainable is the dividend of WINTRUST FINANCIAL CORP (WTFC) stock?

The dividend rating of WINTRUST FINANCIAL CORP (WTFC) is 5 / 10 and the dividend payout ratio is 22.29%.