26.57 USD
+0.13 (+0.49%)
Last: Jan 30, 2026, 08:24 PM
We assign a fundamental rating of 4 out of 10 to WTFCN. WTFCN was compared to 383 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 may be a bit undervalued, certainly considering the very reasonable score on growth
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.
- In the past 5 years WTFCN has always been profitable.
- WTFCN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.06%, WTFCN is in the better half of the industry, outperforming 66.58% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 10.47%, WTFCN is in the better half of the industry, outperforming 67.36% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- WTFCN has a Profit Margin of 27.84%. This is in the better half of the industry: WTFCN outperforms 69.97% of its industry peers.
- WTFCN's Profit Margin has improved in the last couple of years.
- WTFCN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- WTFCN does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for WTFCN has been increased compared to 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 has a Debt to FCF ratio of 1.03. This is in the better half of the industry: WTFCN outperforms 66.32% 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.
- With a Debt to Equity ratio value of 0.16, WTFCN perfoms like the industry average, outperforming 51.70% 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
WACC23.54%
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 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.
- Looking at the last year, WTFCN shows a quite strong growth in Revenue. The Revenue has grown by 11.23% in the last year.
- 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 small growth in Earnings Per Share. The EPS will grow by 7.89% on average per year.
- The Revenue is expected to grow by 6.85% on average over the next years.
EPS Next Y6.09%
EPS Next 2Y7.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.8%
Revenue Next 2Y7.02%
Revenue Next 3Y6.85%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
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 99.48% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of WTFCN to the average of the S&P500 Index (28.32), we can say WTFCN is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 2.20, the valuation of WTFCN can be described as very cheap.
- Based on the Price/Forward Earnings ratio, WTFCN is valued cheaper than 99.48% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of WTFCN to the average of the S&P500 Index (25.57), we can say WTFCN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.33 | ||
| Fwd PE | 2.2 |
4.2 Price Multiples
- 98.96% 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
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.38
PEG (5Y)0.12
EPS Next 2Y7.89%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- WTFCN has a Yearly Dividend Yield of 1.37%.
- WTFCN's Dividend Yield is slightly below the industry average, which is at 2.67.
- Compared to the average S&P500 Dividend Yield of 1.83, WTFCN is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
5.2 History
- On average, the dividend of WTFCN grows each year by 14.46%, which is quite nice.
- 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
- 22.29% 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.
DP22.29%
EPS Next 2Y7.89%
EPS Next 3YN/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%.