26.44 USD
-0.06 (-0.23%)
Taking everything into account, WTFCN scores 4 out of 10 in our fundamental rating. WTFCN was compared to 388 industry peers in the Banks industry. While WTFCN is still in line with the averages on profitability rating, there are concerns on its financial health. WTFCN scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
WTFCN had positive earnings in the past year.
In the past year WTFCN had a positive cash flow from operations.
WTFCN had positive earnings in each of the past 5 years.
WTFCN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
WTFCN has a Return On Assets of 1.06%. This is in the better half of the industry: WTFCN outperforms 66.75% of its industry peers.
Looking at the Return On Equity, with a value of 10.47%, WTFCN is in the better half of the industry, outperforming 67.78% of the companies in the same industry.
| 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 69.85% of its industry peers.
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 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.
Compared to 5 years ago, WTFCN has more shares outstanding
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 65.72% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that WTFCN is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.16, WTFCN is in line with its industry, outperforming 51.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WTFCN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.93%, which is quite good.
The Earnings Per Share has been growing by 11.32% on average over the past years. This is quite good.
The Revenue has grown by 11.22% in the past year. This is quite good.
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
Based on estimates for the next years, WTFCN will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.81% on average per year.
The Revenue is expected to grow by 7.66% on average over the next years.
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.
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
WTFCN is valuated cheaply with a Price/Earnings ratio of 2.43.
Based on the Price/Earnings ratio, WTFCN is valued cheaply inside the industry as 99.48% of the companies are valued more expensively.
WTFCN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.92.
The Price/Forward Earnings ratio is 2.19, 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 99.48% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.46. WTFCN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.43 | ||
| Fwd PE | 2.19 |
4.2 Price Multiples
98.97% of the companies in the same industry are more expensive than WTFCN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.61 | ||
| EV/EBITDA | N/A |
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)0.23
PEG (5Y)0.21
EPS Next 2Y8.12%
EPS Next 3Y8.81%
5. Dividend
5.1 Amount
WTFCN has a Yearly Dividend Yield of 1.54%.
WTFCN's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to the average S&P500 Dividend Yield of 2.00, WTFCN is paying slightly less dividend.
| 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
WTFCN pays out 22.29% of its income as dividend. This is a 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 2Y8.12%
EPS Next 3Y8.81%
WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP
NASDAQ:WTFCN (12/26/2025, 8:21:52 PM)
26.44
-0.06 (-0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners97.57%
Inst Owner ChangeN/A
Ins Owners1.16%
Ins Owner ChangeN/A
Market Cap1.77B
Revenue(TTM)2.65B
Net Income(TTM)737.87M
Analysts84
Price Target29.81 (12.75%)
Short Float %0.03%
Short Ratio0.88
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)-8.72%
PT rev (3m)-4.2%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)1.97%
EPS NY rev (1m)0.21%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.43 | ||
| Fwd PE | 2.19 | ||
| P/S | 0.67 | ||
| P/FCF | 1.61 | ||
| P/OCF | 1.54 | ||
| P/B | 0.25 | ||
| P/tB | 0.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.88
EY41.15%
EPS(NY)12.05
Fwd EY45.59%
FCF(TTM)16.47
FCFY62.29%
OCF(TTM)17.16
OCFY64.92%
SpS39.57
BVpS105.21
TBVpS91.73
PEG (NY)0.23
PEG (5Y)0.21
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
WACC23.58%
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 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 10.37% 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%.