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WINTRUST FINANCIAL CORP (WTFC) Stock Fundamental Analysis

NASDAQ:WTFC - Nasdaq - US97650W1080 - Common Stock - Currency: USD

123.32  -0.89 (-0.72%)

After market: 124.65 +1.33 (+1.08%)

Fundamental Rating

4

Overall WTFC gets a fundamental rating of 4 out of 10. We evaluated WTFC against 395 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.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year WTFC was profitable.
WTFC had a positive operating cash flow in the past year.
In the past 5 years WTFC has always been profitable.
WTFC had a positive operating cash flow in 4 of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

WTFC has a better Return On Assets (1.02%) than 66.33% of its industry peers.
The Return On Equity of WTFC (10.13%) is better than 67.09% of its industry peers.
Industry RankSector 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
WTFC Yearly ROA, ROE, ROICWTFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

WTFC has a Profit Margin of 26.87%. This is in the better half of the industry: WTFC outperforms 69.87% 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 RankSector 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
WTFC Yearly Profit, Operating, Gross MarginsWTFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

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
Compared to 1 year ago, WTFC has an improved debt to assets ratio.
WTFC Yearly Shares OutstandingWTFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
WTFC Yearly Total Debt VS Total AssetsWTFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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.
Looking at the Debt to FCF ratio, with a value of 1.56, WTFC is in line with its industry, outperforming 58.99% of the companies in the same 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 comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.56
Altman-Z N/A
ROIC/WACCN/A
WACC15.78%
WTFC Yearly LT Debt VS Equity VS FCFWTFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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4

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%.
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)7.71%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%6.34%

3.2 Future

The Earnings Per Share is expected to grow by 7.78% on average over the next years.
The Revenue is expected to grow by 6.88% on average over the next years.
EPS Next Y6.46%
EPS Next 2Y5.55%
EPS Next 3Y7.78%
EPS Next 5YN/A
Revenue Next Year8.64%
Revenue Next 2Y7%
Revenue Next 3Y6.88%
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.
WTFC Yearly Revenue VS EstimatesWTFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
WTFC Yearly EPS VS EstimatesWTFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.20 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 26.98.
With a Price/Forward Earnings ratio of 10.74, the valuation of WTFC can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WTFC is on the same level as its industry peers.
WTFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.49, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.2
Fwd PE 10.74
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

WTFC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.88
EV/EBITDA N/A
WTFC Per share dataWTFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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)1.89
PEG (5Y)1.08
EPS Next 2Y5.55%
EPS Next 3Y7.78%

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5

5. Dividend

5.1 Amount

WTFC has a Yearly Dividend Yield of 1.61%.
Compared to an average industry Dividend Yield of 3.47, WTFC is paying slightly less dividend.
WTFC's Dividend Yield is slightly below the S&P500 average, which is at 2.42.
Industry RankSector Rank
Dividend Yield 1.61%

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
WTFC Yearly Dividends per shareWTFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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 2Y5.55%
EPS Next 3Y7.78%
WTFC Yearly Income VS Free CF VS DividendWTFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (6/27/2025, 8:00:02 PM)

After market: 124.65 +1.33 (+1.08%)

123.32

-0.89 (-0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners98.04%
Inst Owner Change2.82%
Ins Owners1.17%
Ins Owner Change3.73%
Market Cap8.25B
Analysts83.33
Price Target140.21 (13.7%)
Short Float %2.74%
Short Ratio4.14
Dividend
Industry RankSector Rank
Dividend Yield 1.61%
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)1.64%
PT rev (3m)-7.17%
EPS NQ rev (1m)-0.19%
EPS NQ rev (3m)1.93%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)4.34%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)0.33%
Valuation
Industry RankSector Rank
PE 12.2
Fwd PE 10.74
P/S 3.32
P/FCF 11.88
P/OCF 10.72
P/B 1.25
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)10.11
EY8.2%
EPS(NY)11.49
Fwd EY9.31%
FCF(TTM)10.38
FCFY8.42%
OCF(TTM)11.51
OCFY9.33%
SpS37.19
BVpS98.62
TBVpS84.98
PEG (NY)1.89
PEG (5Y)1.08
Profitability
Industry RankSector 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 RankSector 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
WACC15.78%
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 Y6.46%
EPS Next 2Y5.55%
EPS Next 3Y7.78%
EPS Next 5YN/A
Revenue 1Y (TTM)7.71%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%6.34%
Revenue Next Year8.64%
Revenue Next 2Y7%
Revenue Next 3Y6.88%
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%