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

NASDAQ:WTFCN - Nasdaq - US97650W7020 - Currency: USD

26.56  +0.08 (+0.3%)

Fundamental Rating

4

WTFCN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. WTFCN has a medium profitability rating, but doesn't score so well on its financial health evaluation. WTFCN scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year WTFCN was profitable.
WTFCN had a positive operating cash flow in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

WTFCN's Return On Assets of 1.02% is fine compared to the rest of the industry. WTFCN outperforms 67.43% of its industry peers.
WTFCN has a better Return On Equity (10.13%) than 68.19% of its industry peers.
Industry RankSector Rank
ROA 1.02%
ROE 10.13%
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
WTFCN Yearly ROA, ROE, ROICWTFCN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 26.87%, WTFCN is doing good in the industry, outperforming 70.74% of the companies in the same industry.
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) 26.87%
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
WTFCN Yearly Profit, Operating, Gross MarginsWTFCN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

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
Compared to 5 years ago, WTFCN has more shares outstanding
Compared to 1 year ago, WTFCN has an improved debt to assets ratio.
WTFCN Yearly Shares OutstandingWTFCN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
WTFCN Yearly Total Debt VS Total AssetsWTFCN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

The Debt to FCF ratio of WTFCN is 1.56, which is an excellent value as it means it would take WTFCN, only 1.56 years of fcf income to pay off all of its debts.
WTFCN has a Debt to FCF ratio (1.56) which is in line with 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 comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.56
Altman-Z N/A
ROIC/WACCN/A
WACC23.67%
WTFCN Yearly LT Debt VS Equity VS FCFWTFCN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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4

3. Growth

3.1 Past

WTFCN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.99%, which is quite good.
Measured over the past years, WTFCN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.32% on average per year.
Looking at the last year, WTFCN shows a small growth in Revenue. The Revenue has grown by 7.87% in the last year.
Measured over the past years, WTFCN shows a quite strong growth in Revenue. The Revenue has been growing by 10.88% on average per year.
EPS 1Y (TTM)9.99%
EPS 3Y10.85%
EPS 5Y11.32%
EPS Q2Q%19.83%
Revenue 1Y (TTM)7.87%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%13.35%

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 7.78% on average per year.
WTFCN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.45% yearly.
EPS Next Y6.3%
EPS Next 2Y5.32%
EPS Next 3Y7.78%
EPS Next 5YN/A
Revenue Next Year9.68%
Revenue Next 2Y7.56%
Revenue Next 3Y7.45%
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.
WTFCN Yearly Revenue VS EstimatesWTFCN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
WTFCN Yearly EPS VS EstimatesWTFCN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 2.51 indicates a rather cheap valuation of WTFCN.
WTFCN's Price/Earnings ratio is rather cheap when compared to the industry. WTFCN is cheaper than 99.49% 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 26.87.
A Price/Forward Earnings ratio of 2.32 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 99.24% of the companies listed in the same industry.
WTFCN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.34.
Industry RankSector Rank
PE 2.51
Fwd PE 2.32
WTFCN Price Earnings VS Forward Price EarningsWTFCN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WTFCN is valued cheaply inside the industry as 98.22% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.56
EV/EBITDA N/A
WTFCN Per share dataWTFCN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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)0.4
PEG (5Y)0.22
EPS Next 2Y5.32%
EPS Next 3Y7.78%

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3

5. Dividend

5.1 Amount

WTFCN has a Yearly Dividend Yield of 1.61%. Purely for dividend investing, there may be better candidates out there.
WTFCN's Dividend Yield is slightly below the industry average, which is at 3.54.
WTFCN's Dividend Yield is slightly below the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 1.61%

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

WTFCN pays out 22.34% 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.
DP22.34%
EPS Next 2Y5.32%
EPS Next 3Y7.78%
WTFCN Yearly Income VS Free CF VS DividendWTFCN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (8/15/2025, 8:00:02 PM)

26.56

+0.08 (+0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-21 2025-07-21/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners98.19%
Inst Owner ChangeN/A
Ins Owners1.16%
Ins Owner ChangeN/A
Market Cap1.78B
Analysts84.21
Price Target32.85 (23.68%)
Short Float %0.02%
Short Ratio0.19
Dividend
Industry RankSector Rank
Dividend Yield 1.61%
Yearly Dividend2.24
Dividend Growth(5Y)14.46%
DP22.34%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.02%
Min EPS beat(2)3.85%
Max EPS beat(2)6.2%
EPS beat(4)2
Avg EPS beat(4)0.19%
Min EPS beat(4)-5.91%
Max EPS beat(4)6.2%
EPS beat(8)4
Avg EPS beat(8)-0.92%
EPS beat(12)6
Avg EPS beat(12)-2%
EPS beat(16)10
Avg EPS beat(16)1.55%
Revenue beat(2)0
Avg Revenue beat(2)-2.15%
Min Revenue beat(2)-2.28%
Max Revenue beat(2)-2.02%
Revenue beat(4)0
Avg Revenue beat(4)-2.12%
Min Revenue beat(4)-2.96%
Max Revenue beat(4)-1.22%
Revenue beat(8)1
Avg Revenue beat(8)-1.46%
Revenue beat(12)1
Avg Revenue beat(12)-1.76%
Revenue beat(16)4
Avg Revenue beat(16)-1.01%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.92%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 2.51
Fwd PE 2.32
P/S 0.71
P/FCF 2.56
P/OCF 2.31
P/B 0.27
P/tB 0.31
EV/EBITDA N/A
EPS(TTM)10.57
EY39.8%
EPS(NY)11.44
Fwd EY43.05%
FCF(TTM)10.38
FCFY39.08%
OCF(TTM)11.51
OCFY43.32%
SpS37.19
BVpS98.6
TBVpS84.96
PEG (NY)0.4
PEG (5Y)0.22
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 10.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.87%
GM N/A
FCFM 27.91%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.56
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 103.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC23.67%
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)9.99%
EPS 3Y10.85%
EPS 5Y11.32%
EPS Q2Q%19.83%
EPS Next Y6.3%
EPS Next 2Y5.32%
EPS Next 3Y7.78%
EPS Next 5YN/A
Revenue 1Y (TTM)7.87%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%13.35%
Revenue Next Year9.68%
Revenue Next 2Y7.56%
Revenue Next 3Y7.45%
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 1Y-25.34%
FCF growth 3Y-16.04%
FCF growth 5Y28.13%
OCF growth 1Y-21.84%
OCF growth 3Y-13.91%
OCF growth 5Y22.09%