WTFC Fundamental Analysis - WINTRUST FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to WTFC. WTFC was compared to 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. WTFC has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year WTFC was profitable.

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

WTFC had positive earnings in each of the past 5 years.

WTFC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

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

The Return On Equity of WTFC (10.13%) is better than 66.92% of its industry peers.

		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

With a decent Profit Margin value of 26.87%, WTFC is doing good in the industry, outperforming 70.20% of the companies in the same industry.

WTFC's Profit Margin has improved in the last couple of years.

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)	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

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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.

Compared to 1 year ago, WTFC has more shares outstanding

The number of shares outstanding for WTFC has been increased compared to 5 years ago.

Compared to 1 year ago, WTFC has an improved debt to assets ratio.

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.

WTFC has a Debt to Equity ratio (0.16) which is in line with its industry peers.

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

ROIC/WACCN/A

WACC15.39%

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.

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 7.71%.

WTFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.88% yearly.

EPS 1Y (TTM)4.55%

EPS 3Y10.85%

EPS 5Y11.32%

EPS Q2Q%-6.92%

Revenue 1Y (TTM)7.71%

Revenue growth 3Y12.72%

Revenue growth 5Y10.88%

Sales Q2Q%6.34%

3.2 Future

The Earnings Per Share is expected to grow by 7.42% on average over the next years.

Based on estimates for the next years, WTFC will show a small growth in Revenue. The Revenue will grow by 6.94% on average per year.

EPS Next Y6.56%

EPS Next 2Y5.35%

EPS Next 3Y7.42%

EPS Next 5YN/A

Revenue Next Year8.68%

Revenue Next 2Y7%

Revenue Next 3Y6.94%

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

The Price/Earnings ratio is 12.04, which indicates a correct 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.

WTFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.52.

The Price/Forward Earnings ratio is 10.64, which indicates a very decent valuation of WTFC.

WTFC's Price/Forward Earnings ratio is in line with the industry average.

When comparing the Price/Forward Earnings ratio of WTFC to the average of the S&P500 Index (22.25), we can say WTFC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.04
Fwd PE	10.64

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	11.73
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)1.83

PEG (5Y)1.06

EPS Next 2Y5.35%

EPS Next 3Y7.42%

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5. Dividend

5.1 Amount

WTFC has a Yearly Dividend Yield of 1.68%.

WTFC's Dividend Yield is slightly below the industry average, which is at 3.50.

Compared to the average S&P500 Dividend Yield of 2.39, WTFC is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.68%

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

5.3 Sustainability

WTFC pays out 22.34% 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.

DP22.34%

EPS Next 2Y5.35%

EPS Next 3Y7.42%

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WINTRUST FINANCIAL CORP

NASDAQ:WTFC (6/6/2025, 8:00:02 PM)

After market: 121.72 0 (0%)

121.72

+2.83 (+2.38%)

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 Change2.79%

Ins Owners1.65%

Ins Owner Change3.73%

Market Cap8.15B

Analysts83.33

Price Target139.4 (14.53%)

Short Float %3.11%

Short Ratio4.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.68%

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)-0.38%

PT rev (3m)-8.85%

EPS NQ rev (1m)-0.09%

EPS NQ rev (3m)2.44%

EPS NY rev (1m)3.63%

EPS NY rev (3m)4.44%

Revenue NQ rev (1m)-0.01%

Revenue NQ rev (3m)0.24%

Revenue NY rev (1m)-0.04%

Revenue NY rev (3m)0.37%

Valuation

		Industry Rank	Sector Rank
PE	12.04
Fwd PE	10.64
P/S	3.27
P/FCF	11.73
P/OCF	10.58
P/B	1.23
P/tB	1.43
EV/EBITDA	N/A

EPS(TTM)10.11

EY8.31%

EPS(NY)11.44

Fwd EY9.4%

FCF(TTM)10.38

FCFY8.53%

OCF(TTM)11.51

OCFY9.45%

SpS37.19

BVpS98.62

TBVpS84.98

PEG (NY)1.83

PEG (5Y)1.06

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

WACC15.39%

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 Y6.56%

EPS Next 2Y5.35%

EPS Next 3Y7.42%

EPS Next 5YN/A

Revenue 1Y (TTM)7.71%

Revenue growth 3Y12.72%

Revenue growth 5Y10.88%

Sales Q2Q%6.34%

Revenue Next Year8.68%

Revenue Next 2Y7%

Revenue Next 3Y6.94%

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