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

NASDAQ:WTFCN • US97650W7020

26.54 USD
-0.04 (-0.15%)
Last: Mar 6, 2026, 03:46 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to WTFCN. WTFCN was compared to 379 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 is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

4

1. WTFCN Profitability Analysis

1.1 Basic Checks

  • In the past year WTFCN was profitable.
  • In the past year WTFCN had a positive cash flow from operations.
  • Each year in the past 5 years WTFCN has been profitable.
  • WTFCN had a positive operating cash flow in 4 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's Return On Assets of 1.06% is fine compared to the rest of the industry. WTFCN outperforms 64.64% of its industry peers.
  • WTFCN has a better Return On Equity (10.47%) than 66.75% of its industry peers.
Industry RankSector Rank
ROA 1.06%
ROE 10.47%
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

  • The Profit Margin of WTFCN (27.84%) is better than 68.07% 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 RankSector Rank
OM N/A
PM (TTM) 27.84%
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.
  • Compared to 1 year ago, WTFCN has more shares outstanding
  • Compared to 5 years ago, WTFCN has more shares outstanding
  • The debt/assets ratio for WTFCN has been reduced compared to a year ago.
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

  • The Debt to FCF ratio of WTFCN is 1.03, which is an excellent value as it means it would take WTFCN, only 1.03 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.03, WTFCN is in the better half of the industry, outperforming 66.23% of the companies in the same industry.
  • WTFCN has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
  • WTFCN has a Debt to Equity ratio of 0.16. This is comparable to the rest of the industry: WTFCN outperforms 51.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.03
Altman-Z N/A
ROIC/WACCN/A
WACC23.43%
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 10.57%, which is quite good.
  • The Earnings Per Share has been growing by 19.49% on average over the past years. This is quite good.
  • The Revenue has grown by 11.23% 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 10.64% yearly.
EPS 1Y (TTM)10.57%
EPS 3Y12.53%
EPS 5Y19.49%
EPS Q2Q%19.77%
Revenue 1Y (TTM)11.23%
Revenue growth 3Y11.69%
Revenue growth 5Y10.64%
Sales Q2Q%11.85%

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 8.76% on average per year.
  • The Revenue is expected to grow by 6.81% on average over the next years.
EPS Next Y10.8%
EPS Next 2Y9.57%
EPS Next 3Y8.76%
EPS Next 5YN/A
Revenue Next Year7.91%
Revenue Next 2Y7.07%
Revenue Next 3Y6.81%
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 2.33 indicates a rather cheap valuation of WTFCN.
  • Compared to the rest of the industry, the Price/Earnings ratio of WTFCN indicates a rather cheap valuation: WTFCN is cheaper than 99.47% of the companies listed in the same industry.
  • WTFCN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.69.
  • A Price/Forward Earnings ratio of 2.10 indicates a rather cheap valuation of WTFCN.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WTFCN indicates a rather cheap valuation: WTFCN is cheaper than 99.47% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.79, WTFCN is valued rather cheaply.
Industry RankSector Rank
PE 2.33
Fwd PE 2.1
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

  • Based on the Price/Free Cash Flow ratio, WTFCN is valued cheaply inside the industry as 98.94% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.61
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)0.22
PEG (5Y)0.12
EPS Next 2Y9.57%
EPS Next 3Y8.76%

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

3

5. WTFCN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.37%, WTFCN has a reasonable but not impressive dividend return.
  • WTFCN's Dividend Yield is slightly below the industry average, which is at 2.73.
  • Compared to the average S&P500 Dividend Yield of 1.82, WTFCN is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.37%

5.2 History

  • The dividend of WTFCN is nicely growing with an annual growth rate of 11.19%!
  • WTFCN does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)11.19%
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.
  • WTFCN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP22.29%
EPS Next 2Y9.57%
EPS Next 3Y8.76%
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 (3/6/2026, 3:46:56 PM)

26.54

-0.04 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners97.45%
Inst Owner ChangeN/A
Ins Owners1.16%
Ins Owner ChangeN/A
Market Cap1.78B
Revenue(TTM)2.73B
Net Income(TTM)737.87M
Analysts83.16
Price Target31.15 (17.37%)
Short Float %0.01%
Short Ratio0.28
Dividend
Industry RankSector Rank
Dividend Yield 1.37%
Yearly Dividend2.54
Dividend Growth(5Y)11.19%
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)4.85%
PT rev (3m)-4.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.45%
EPS NY rev (1m)4.44%
EPS NY rev (3m)5.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.21%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)2.08%
Valuation
Industry RankSector Rank
PE 2.33
Fwd PE 2.1
P/S 0.67
P/FCF 1.61
P/OCF 1.55
P/B 0.25
P/tB 0.29
EV/EBITDA N/A
EPS(TTM)11.4
EY42.95%
EPS(NY)12.63
Fwd EY47.59%
FCF(TTM)16.47
FCFY62.06%
OCF(TTM)17.16
OCFY64.67%
SpS39.57
BVpS105.21
TBVpS91.73
PEG (NY)0.22
PEG (5Y)0.12
Graham Number164.27
Profitability
Industry RankSector 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)1.06%
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 0.16
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
WACC23.43%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.57%
EPS 3Y12.53%
EPS 5Y19.49%
EPS Q2Q%19.77%
EPS Next Y10.8%
EPS Next 2Y9.57%
EPS Next 3Y8.76%
EPS Next 5YN/A
Revenue 1Y (TTM)11.23%
Revenue growth 3Y11.69%
Revenue growth 5Y10.64%
Sales Q2Q%11.85%
Revenue Next Year7.91%
Revenue Next 2Y7.07%
Revenue Next 3Y6.81%
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 1Y179.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y140.12%
OCF growth 3YN/A
OCF growth 5YN/A

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.


Can you provide the valuation status for WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP?

ChartMill assigns a valuation rating of 8 / 10 to WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN). This can be considered as Undervalued.


What is the profitability of WTFCN stock?

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


Can you provide the PE and PB ratios for WTFCN stock?

The Price/Earnings (PE) ratio for WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) is 2.33 and the Price/Book (PB) ratio is 0.25.


How sustainable is the dividend of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) stock?

The dividend rating of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) is 3 / 10 and the dividend payout ratio is 22.29%.