146.4 USD
+2.08 (+1.44%)
146.4 USD
0 (0%)
Overall WTFC gets a fundamental rating of 4 out of 10. We evaluated WTFC against 383 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 correct valuation and a medium growth rate.
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.
- In the past 5 years WTFC has always been profitable.
- WTFC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- WTFC has a better Return On Assets (1.06%) than 67.10% of its industry peers.
- WTFC has a better Return On Equity (10.47%) than 67.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.47% | ||
| 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 27.84% is fine compared to the rest of the industry. WTFC outperforms 69.97% 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) | 27.84% | ||
| 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.
- 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.
- The debt/assets ratio for WTFC has been reduced compared to a year ago.
2.2 Solvency
- WTFC has a debt to FCF ratio of 1.03. This is a very positive value and a sign of high solvency as it would only need 1.03 years to pay back of all of its debts.
- WTFC's Debt to FCF ratio of 1.03 is fine compared to the rest of the industry. WTFC outperforms 65.80% 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.
- WTFC's Debt to Equity ratio of 0.16 is in line compared to the rest of the industry. WTFC outperforms 51.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.38%
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.
- Measured over the past years, WTFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.32% on average per year.
- The Revenue has grown by 11.22% in the past year. This is quite good.
- 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)13.93%
EPS 3Y10.85%
EPS 5Y11.32%
EPS Q2Q%12.55%
Revenue 1Y (TTM)11.22%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%13.33%
3.2 Future
- The Earnings Per Share is expected to grow by 8.81% on average over the next years. This is quite good.
- WTFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.66% yearly.
EPS Next Y10.37%
EPS Next 2Y8.12%
EPS Next 3Y8.81%
EPS Next 5YN/A
Revenue Next Year10.72%
Revenue Next 2Y8.26%
Revenue Next 3Y7.66%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.46, the valuation of WTFC can be described as correct.
- WTFC's Price/Earnings is on the same level as the industry average.
- WTFC is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 12.15, which indicates a correct valuation of WTFC.
- Based on the Price/Forward Earnings ratio, WTFC is valued a bit more expensive than 60.31% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. WTFC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 12.15 |
4.2 Price Multiples
- WTFC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. WTFC is cheaper than 75.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.89 | ||
| 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)1.3
PEG (5Y)1.19
EPS Next 2Y8.12%
EPS Next 3Y8.81%
5. Dividend
5.1 Amount
- WTFC has a Yearly Dividend Yield of 1.37%.
- WTFC's Dividend Yield is slightly below the industry average, which is at 2.90.
- Compared to the average S&P500 Dividend Yield of 1.92, WTFC is paying slightly less dividend.
| Industry Rank | Sector 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 been paying a dividend for at least 10 years, so it has 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
- 22.29% 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 2Y8.12%
EPS Next 3Y8.81%
146.4
+2.08 (+1.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-20 2025-10-20/amc
Earnings (Next)01-20 2026-01-20/amc
Inst Owners97.45%
Inst Owner Change0.21%
Ins Owners1.16%
Ins Owner Change-1.25%
Market Cap9.80B
Revenue(TTM)2.65B
Net Income(TTM)737.87M
Analysts84
Price Target160.07 (9.34%)
Short Float %2.91%
Short Ratio3.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
Yearly Dividend2.24
Dividend Growth(5Y)14.46%
DP22.29%
Div Incr Years11
Div Non Decr Years14
Ex-DateN/A
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)0.14%
PT rev (3m)0.64%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)1.6%
EPS NY rev (1m)0.01%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 12.15 | ||
| P/S | 3.7 | ||
| P/FCF | 8.89 | ||
| P/OCF | 8.53 | ||
| P/B | 1.39 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.88
EY7.43%
EPS(NY)12.05
Fwd EY8.23%
FCF(TTM)16.47
FCFY11.25%
OCF(TTM)17.16
OCFY11.72%
SpS39.57
BVpS105.21
TBVpS91.73
PEG (NY)1.3
PEG (5Y)1.19
Graham Number160.48
Profitability
| Industry Rank | Sector 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%
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC14.38%
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 Y10.37%
EPS Next 2Y8.12%
EPS Next 3Y8.81%
EPS Next 5YN/A
Revenue 1Y (TTM)11.22%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%13.33%
Revenue Next Year10.72%
Revenue Next 2Y8.26%
Revenue Next 3Y7.66%
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 1Y43.04%
FCF growth 3Y-16.04%
FCF growth 5Y28.13%
OCF growth 1Y40.84%
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 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%.