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

USA • Nasdaq • NASDAQ:WTFCN • US97650W7020

26.44 USD
0 (0%)
Last: Feb 9, 2026, 09:55 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, WTFCN scores 4 out of 10 in our fundamental rating. WTFCN was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of WTFCN while its profitability can be described as average. WTFCN scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year WTFCN was profitable.
  • 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.
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

  • The Return On Assets of WTFCN (1.06%) is better than 65.88% of its industry peers.
  • The Return On Equity of WTFCN (10.47%) is better than 67.72% 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

  • With a decent Profit Margin value of 27.84%, WTFCN is doing good in the industry, outperforming 69.55% 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) 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. Health

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
  • The number of shares outstanding for WTFCN has been increased compared to 5 years ago.
  • 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.
  • The Debt to FCF ratio of WTFCN (1.03) is better than 66.40% of its industry peers.
  • 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 (0.16) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.03
Altman-Z N/A
ROIC/WACCN/A
WACC23.49%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 10.57% over the past year.
  • 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.
  • The Revenue has been growing by 10.64% on average over the past years. This is quite good.
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

  • The Earnings Per Share is expected to grow by 8.76% on average over the next years. This is quite good.
  • WTFCN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.85% yearly.
EPS Next Y10.8%
EPS Next 2Y9.57%
EPS Next 3Y8.76%
EPS Next 5YN/A
Revenue Next Year7.95%
Revenue Next 2Y7.08%
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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.32 indicates a rather cheap valuation of WTFCN.
  • Based on the Price/Earnings ratio, WTFCN is valued cheaper than 99.48% of the companies in the same industry.
  • WTFCN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.93.
  • The Price/Forward Earnings ratio is 2.09, which indicates a rather cheap valuation of WTFCN.
  • Based on the Price/Forward Earnings ratio, WTFCN is valued cheaply inside the industry as 99.48% of the companies are valued more expensively.
  • WTFCN is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.32
Fwd PE 2.09
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 98.69% of the companies in the same industry.
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.21
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. Dividend

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 2.53.
  • WTFCN's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.37%

5.2 History

  • The dividend of WTFCN is nicely growing with an annual growth rate of 14.46%!
  • WTFCN is new to the dividend game and has less than 3 years of track record.
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.
  • 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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WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP

NASDAQ:WTFCN (2/9/2026, 9:55:23 AM)

26.44

0 (0%)

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 Cap1.77B
Revenue(TTM)2.73B
Net Income(TTM)737.87M
Analysts84
Price Target30.83 (16.6%)
Short Float %0.03%
Short Ratio0.77
Dividend
Industry RankSector Rank
Dividend Yield 1.37%
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)3.42%
PT rev (3m)-4.9%
EPS NQ rev (1m)0.23%
EPS NQ rev (3m)0.53%
EPS NY rev (1m)4.8%
EPS NY rev (3m)5.38%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)0.21%
Revenue NY rev (1m)2.01%
Revenue NY rev (3m)2.12%
Valuation
Industry RankSector Rank
PE 2.32
Fwd PE 2.09
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)11.4
EY43.12%
EPS(NY)12.63
Fwd EY47.77%
FCF(TTM)16.47
FCFY62.29%
OCF(TTM)17.16
OCFY64.92%
SpS39.57
BVpS105.21
TBVpS91.73
PEG (NY)0.21
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
WACC23.49%
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 Year7.95%
Revenue Next 2Y7.08%
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 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 2.32 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%.