26.29 USD
+0.07 (+0.27%)
Overall WTFCN gets a fundamental rating of 4 out of 10. We evaluated WTFCN against 387 industry peers in the Banks industry. There are concerns on the financial health of WTFCN while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on WTFCN.
1. Profitability
1.1 Basic Checks
In the past year WTFCN was profitable.
WTFCN had a positive operating cash flow in the past year.
WTFCN had positive earnings in each of the past 5 years.
Of the past 5 years WTFCN 4 years had a positive operating cash flow.
1.2 Ratios
WTFCN has a Return On Assets of 1.06%. This is in the better half of the industry: WTFCN outperforms 67.18% of its industry peers.
WTFCN has a better Return On Equity (10.47%) than 67.96% 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
WTFCN has a better Profit Margin (27.84%) than 71.58% of its industry peers.
WTFCN's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for WTFCN 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
WTFCN does not have a ROIC to compare to the WACC, probably because it is not profitable.
WTFCN has more shares outstanding than it did 1 year ago.
WTFCN has more shares outstanding than it did 5 years ago.
WTFCN has a better debt/assets ratio than last year.
2.2 Solvency
WTFCN 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.
WTFCN's Debt to FCF ratio of 1.03 is fine compared to the rest of the industry. WTFCN outperforms 66.41% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that WTFCN is not too dependend on debt financing.
WTFCN has a Debt to Equity ratio of 0.16. This is comparable to the rest of the industry: WTFCN outperforms 51.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.93% over the past year.
The Earnings Per Share has been growing by 11.32% on average over the past years. This is quite good.
Looking at the last year, WTFCN shows a quite strong growth in Revenue. The Revenue has grown by 11.22% in the last year.
WTFCN 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 8.90% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.56% on average over the next years.
EPS Next Y10.13%
EPS Next 2Y7.82%
EPS Next 3Y8.9%
EPS Next 5YN/A
Revenue Next Year10.64%
Revenue Next 2Y8.21%
Revenue Next 3Y7.56%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 2.42, the valuation of WTFCN can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of WTFCN indicates a rather cheap valuation: WTFCN is cheaper than 99.48% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of WTFCN to the average of the S&P500 Index (25.98), we can say WTFCN is valued rather cheaply.
A Price/Forward Earnings ratio of 2.19 indicates a rather cheap valuation of WTFCN.
99.48% of the companies in the same industry are more expensive than WTFCN, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.79, WTFCN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.42 | ||
| Fwd PE | 2.19 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WTFCN is valued cheaper than 98.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.24
PEG (5Y)0.21
EPS Next 2Y7.82%
EPS Next 3Y8.9%
5. Dividend
5.1 Amount
WTFCN has a Yearly Dividend Yield of 1.54%. Purely for dividend investing, there may be better candidates out there.
WTFCN's Dividend Yield is slightly below the industry average, which is at 3.33.
WTFCN's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
5.2 History
The dividend of WTFCN is nicely growing with an annual growth rate of 14.46%!
WTFCN does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)14.46%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
22.29% of the earnings are spent on dividend by WTFCN. This is a low number and sustainable payout ratio.
The dividend of WTFCN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.29%
EPS Next 2Y7.82%
EPS Next 3Y8.9%
WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP
NASDAQ:WTFCN (11/26/2025, 4:30:02 PM)
26.29
+0.07 (+0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners98.08%
Inst Owner ChangeN/A
Ins Owners1.16%
Ins Owner ChangeN/A
Market Cap1.76B
Revenue(TTM)2.65B
Net Income(TTM)737.87M
Analysts84
Price Target32.66 (24.23%)
Short Float %0.02%
Short Ratio0.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
Yearly Dividend2.24
Dividend Growth(5Y)14.46%
DP22.29%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)1.78%
PT rev (3m)0.85%
EPS NQ rev (1m)1.21%
EPS NQ rev (3m)1.76%
EPS NY rev (1m)0.76%
EPS NY rev (3m)1.34%
Revenue NQ rev (1m)0.48%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.42 | ||
| Fwd PE | 2.19 | ||
| P/S | 0.66 | ||
| P/FCF | 1.6 | ||
| P/OCF | 1.53 | ||
| P/B | 0.25 | ||
| P/tB | 0.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.88
EY41.38%
EPS(NY)11.99
Fwd EY45.59%
FCF(TTM)16.48
FCFY62.67%
OCF(TTM)17.17
OCFY65.31%
SpS39.59
BVpS105.24
TBVpS91.75
PEG (NY)0.24
PEG (5Y)0.21
Graham Number160.51
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
WACC23.5%
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 Y10.13%
EPS Next 2Y7.82%
EPS Next 3Y8.9%
EPS Next 5YN/A
Revenue 1Y (TTM)11.22%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%13.33%
Revenue Next Year10.64%
Revenue Next 2Y8.21%
Revenue Next 3Y7.56%
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 7 7/8 PERP / WTFCN FAQ
What is the ChartMill fundamental rating of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) stock?
ChartMill assigns a fundamental rating of 4 / 10 to WTFCN.
What is the valuation status for WTFCN stock?
ChartMill assigns a valuation rating of 8 / 10 to WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN). This can be considered as Undervalued.
How profitable is WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) stock?
WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for WTFCN stock?
The Earnings per Share (EPS) of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) is expected to grow by 10.13% in the next year.
Is the dividend of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP sustainable?
The dividend rating of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) is 3 / 10 and the dividend payout ratio is 22.29%.