WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) Fundamental Analysis & Valuation

NASDAQ:WTFCN • US97650W7020

Current stock price

26.43 USD
-0.06 (-0.23%)
Last:

This WTFCN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. WTFCN Profitability Analysis

1.1 Basic Checks

  • WTFCN had positive earnings in the past year.
  • WTFCN had a positive operating cash flow in the past year.
  • WTFCN had positive earnings in each of the past 5 years.
  • WTFCN had a positive operating cash flow in each of the past 5 years.
WTFCN Yearly Net Income VS EBIT VS OCF VS FCFWTFCN 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

  • WTFCN has a better Return On Assets (1.09%) than 61.44% of its industry peers.
  • The Return On Equity of WTFCN (10.67%) is better than 64.89% of its industry peers.
Industry RankSector Rank
ROA 1.09%
ROE 10.67%
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
WTFCN Yearly ROA, ROE, ROICWTFCN 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

  • With a decent Profit Margin value of 28.40%, WTFCN is doing good in the industry, outperforming 65.96% of the companies in the same industry.
  • In the last couple of years the Profit Margin of WTFCN has grown nicely.
  • The Operating Margin and Gross Margin are not available for WTFCN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.4%
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
WTFCN Yearly Profit, Operating, Gross MarginsWTFCN 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. WTFCN Health Analysis

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.
  • Compared to 1 year ago, WTFCN has an improved debt to assets ratio.
WTFCN Yearly Shares OutstandingWTFCN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
WTFCN Yearly Total Debt VS Total AssetsWTFCN 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

  • WTFCN has a debt to FCF ratio of 1.20. This is a very positive value and a sign of high solvency as it would only need 1.20 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 1.20, WTFCN is doing good in the industry, outperforming 61.44% of the companies in the same industry.
  • WTFCN has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.14, WTFCN is in line with its industry, outperforming 56.12% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC21.7%
WTFCN Yearly LT Debt VS Equity VS FCFWTFCN 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
WTFCN Yearly Current Assets VS Current LiabilitesWTFCN 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. WTFCN Growth Analysis

3.1 Past

  • WTFCN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.00%, which is quite good.
  • The Earnings Per Share has been growing by 19.49% on average over the past years. This is quite good.
  • WTFCN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.33%.
  • Measured over the past years, WTFCN shows a quite strong growth in Revenue. The Revenue has been growing by 10.64% on average per year.
EPS 1Y (TTM)18%
EPS 3Y12.53%
EPS 5Y19.49%
EPS Q2Q%19.7%
Revenue 1Y (TTM)12.33%
Revenue growth 3Y11.69%
Revenue growth 5Y10.64%
Sales Q2Q%10.89%

3.2 Future

  • Based on estimates for the next years, WTFCN will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.91% on average per year.
  • The Revenue is expected to grow by 6.85% on average over the next years.
EPS Next Y11.31%
EPS Next 2Y10.09%
EPS Next 3Y8.91%
EPS Next 5YN/A
Revenue Next Year8.2%
Revenue Next 2Y7.37%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
WTFCN Yearly Revenue VS EstimatesWTFCN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
WTFCN Yearly EPS VS EstimatesWTFCN 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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8

4. WTFCN Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.22 indicates a rather cheap valuation of WTFCN.
  • 99.20% of the companies in the same industry are more expensive than WTFCN, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of WTFCN to the average of the S&P500 Index (26.64), we can say WTFCN is valued rather cheaply.
  • The Price/Forward Earnings ratio is 1.91, which indicates a rather cheap valuation of WTFCN.
  • WTFCN's Price/Forward Earnings ratio is rather cheap when compared to the industry. WTFCN is cheaper than 99.20% of the companies in the same industry.
  • WTFCN is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.22
Fwd PE 1.91
WTFCN Price Earnings VS Forward Price EarningsWTFCN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • WTFCN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WTFCN is cheaper than 98.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.07
EV/EBITDA N/A
WTFCN Per share dataWTFCN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • WTFCN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.2
PEG (5Y)0.11
EPS Next 2Y10.09%
EPS Next 3Y8.91%

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

3

5. WTFCN Dividend Analysis

5.1 Amount

  • WTFCN has a Yearly Dividend Yield of 1.51%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.56, WTFCN is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.80, WTFCN has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.51%

5.2 History

  • The dividend of WTFCN is nicely growing with an annual growth rate of 11.19%!
  • WTFCN is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)11.19%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 21.88% of the earnings are spent on dividend by WTFCN. This is a low number and sustainable payout ratio.
  • WTFCN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP21.88%
EPS Next 2Y10.09%
EPS Next 3Y8.91%
WTFCN Yearly Income VS Free CF VS DividendWTFCN 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
WTFCN Dividend Payout.WTFCN Dividend Payout, showing the Payout Ratio.WTFCN Dividend Payout.PayoutRetained Earnings

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WTFCN Fundamentals: All Metrics, Ratios and Statistics

WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP

NASDAQ:WTFCN (5/1/2026, 8:02:59 PM)

26.43

-0.06 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners96.51%
Inst Owner ChangeN/A
Ins Owners1.21%
Ins Owner ChangeN/A
Market Cap1.78B
Revenue(TTM)2.80B
Net Income(TTM)774.15M
Analysts81.05
Price Target31.55 (19.37%)
Short Float %0.02%
Short Ratio0.44
Dividend
Industry RankSector Rank
Dividend Yield 1.51%
Yearly Dividend2.54
Dividend Growth(5Y)11.19%
DP21.88%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.81%
Min EPS beat(2)1.7%
Max EPS beat(2)5.91%
EPS beat(4)4
Avg EPS beat(4)4.75%
Min EPS beat(4)1.7%
Max EPS beat(4)6.2%
EPS beat(8)6
Avg EPS beat(8)3.83%
EPS beat(12)8
Avg EPS beat(12)1.11%
EPS beat(16)10
Avg EPS beat(16)1.23%
Revenue beat(2)0
Avg Revenue beat(2)-0.4%
Min Revenue beat(2)-0.8%
Max Revenue beat(2)-0.01%
Revenue beat(4)0
Avg Revenue beat(4)-0.81%
Min Revenue beat(4)-2.02%
Max Revenue beat(4)-0.01%
Revenue beat(8)1
Avg Revenue beat(8)-0.89%
Revenue beat(12)1
Avg Revenue beat(12)-1.3%
Revenue beat(16)2
Avg Revenue beat(16)-0.97%
PT rev (1m)-0.79%
PT rev (3m)4.02%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)0.66%
EPS NY rev (1m)0.44%
EPS NY rev (3m)4.93%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 2.22
Fwd PE 1.91
P/S 0.65
P/FCF 2.07
P/OCF 1.96
P/B 0.25
P/tB 0.28
EV/EBITDA N/A
EPS(TTM)11.93
EY45.14%
EPS(NY)13.82
Fwd EY52.27%
FCF(TTM)12.76
FCFY48.27%
OCF(TTM)13.5
OCFY51.07%
SpS40.42
BVpS107.63
TBVpS94.35
PEG (NY)0.2
PEG (5Y)0.11
Graham Number169.974 (543.11%)
Profitability
Industry RankSector Rank
ROA 1.09%
ROE 10.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.4%
GM N/A
FCFM 31.56%
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 0.14
Debt/FCF 1.2
Debt/EBITDA N/A
Cap/Depr 42.05%
Cap/Sales 1.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC21.7%
ROIC/WACCN/A
Cap/Depr(3y)60.92%
Cap/Depr(5y)60.78%
Cap/Sales(3y)2.46%
Cap/Sales(5y)2.69%
Profit Quality(3y)107.93%
Profit Quality(5y)168.64%
High Growth Momentum
Growth
EPS 1Y (TTM)18%
EPS 3Y12.53%
EPS 5Y19.49%
EPS Q2Q%19.7%
EPS Next Y11.31%
EPS Next 2Y10.09%
EPS Next 3Y8.91%
EPS Next 5YN/A
Revenue 1Y (TTM)12.33%
Revenue growth 3Y11.69%
Revenue growth 5Y10.64%
Sales Q2Q%10.89%
Revenue Next Year8.2%
Revenue Next 2Y7.37%
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 1Y35.38%
FCF growth 3Y-13.33%
FCF growth 5YN/A
OCF growth 1Y26.16%
OCF growth 3Y-12.84%
OCF growth 5YN/A

WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP / WTFCN Fundamental Analysis 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 of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (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.


Can you provide the profitability details for WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP?

WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) has a profitability rating of 4 / 10.


What are the PE and PB ratios of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) stock?

The Price/Earnings (PE) ratio for WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) is 2.22 and the Price/Book (PB) ratio is 0.25.


Can you provide the dividend sustainability for WTFCN stock?

The dividend rating of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) is 3 / 10 and the dividend payout ratio is 21.88%.