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

NASDAQ:WTFCN • US97650W7020

Current stock price

25.62 USD
-0.15 (-0.58%)
Last:

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

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.
  • Each year in the past 5 years WTFCN had a positive operating cash flow.
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

  • With a decent Return On Assets value of 1.09%, WTFCN is doing good in the industry, outperforming 62.89% of the companies in the same industry.
  • WTFCN has a better Return On Equity (10.67%) than 66.05% of its industry peers.
Industry RankSector Rank
ROA 1.09%
ROE 10.67%
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

  • WTFCN has a Profit Margin of 28.40%. This is in the better half of the industry: WTFCN outperforms 67.37% 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 RankSector Rank
OM N/A
PM (TTM) 28.4%
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.
  • The number of shares outstanding for WTFCN has been increased compared to 1 year ago.
  • The number of shares outstanding for WTFCN has been increased compared to 5 years ago.
  • Compared to 1 year ago, WTFCN has an improved debt to assets ratio.
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 1.20, which is an excellent value as it means it would take WTFCN, only 1.20 years of fcf income to pay off all of its debts.
  • WTFCN has a Debt to FCF ratio of 1.20. This is in the better half of the industry: WTFCN outperforms 63.42% of its industry peers.
  • A Debt/Equity ratio of 0.14 indicates that WTFCN is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.14, WTFCN perfoms like the industry average, outperforming 56.84% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC21.77%
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.
  • WTFCN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.49% yearly.
  • The Revenue has grown by 11.23% in the past year. This is quite good.
  • Measured over the past years, WTFCN shows a quite strong growth in Revenue. The Revenue has been growing by 10.64% on average per year.
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 8.91% on average over the next years. This is quite good.
  • Based on estimates for the next years, WTFCN will show a small growth in Revenue. The Revenue will grow by 6.81% on average per year.
EPS Next Y10.82%
EPS Next 2Y9.56%
EPS Next 3Y8.91%
EPS Next 5YN/A
Revenue Next Year7.91%
Revenue Next 2Y7.12%
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

  • WTFCN is valuated cheaply with a Price/Earnings ratio of 2.25.
  • 99.21% of the companies in the same industry are more expensive than WTFCN, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.35, WTFCN is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 2.03, the valuation of WTFCN can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, WTFCN is valued cheaper than 99.21% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.61. WTFCN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.25
Fwd PE 2.03
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

  • 98.16% of the companies in the same industry are more expensive than WTFCN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2
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)0.21
PEG (5Y)0.12
EPS Next 2Y9.56%
EPS Next 3Y8.91%

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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.
  • Compared to an average industry Dividend Yield of 2.66, WTFCN is paying slightly less dividend.
  • WTFCN's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
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 is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)11.19%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 21.88% of the earnings are spent on dividend by WTFCN. This is a low number and sustainable payout ratio.
  • The dividend of WTFCN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP21.88%
EPS Next 2Y9.56%
EPS Next 3Y8.91%
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 (4/1/2026, 10:13:42 AM)

25.62

-0.15 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners96.46%
Inst Owner ChangeN/A
Ins Owners1.21%
Ins Owner ChangeN/A
Market Cap1.72B
Revenue(TTM)2.73B
Net Income(TTM)774.15M
Analysts83.16
Price Target31.15 (21.58%)
Short Float %0.03%
Short Ratio0.73
Dividend
Industry RankSector Rank
Dividend Yield 1.37%
Yearly Dividend2.54
Dividend Growth(5Y)11.19%
DP21.88%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.81%
Min EPS beat(2)1.7%
Max EPS beat(2)5.91%
EPS beat(4)4
Avg EPS beat(4)4.75%
Min EPS beat(4)1.7%
Max EPS beat(4)6.2%
EPS beat(8)6
Avg EPS beat(8)3.83%
EPS beat(12)8
Avg EPS beat(12)1.11%
EPS beat(16)10
Avg EPS beat(16)1.23%
Revenue beat(2)0
Avg Revenue beat(2)-0.4%
Min Revenue beat(2)-0.8%
Max Revenue beat(2)-0.01%
Revenue beat(4)0
Avg Revenue beat(4)-0.81%
Min Revenue beat(4)-2.02%
Max Revenue beat(4)-0.01%
Revenue beat(8)1
Avg Revenue beat(8)-0.89%
Revenue beat(12)1
Avg Revenue beat(12)-1.3%
Revenue beat(16)2
Avg Revenue beat(16)-0.97%
PT rev (1m)0%
PT rev (3m)4.49%
EPS NQ rev (1m)-0.05%
EPS NQ rev (3m)4.64%
EPS NY rev (1m)0.02%
EPS NY rev (3m)4.82%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)1.93%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.98%
Valuation
Industry RankSector Rank
PE 2.25
Fwd PE 2.03
P/S 0.63
P/FCF 2
P/OCF 1.89
P/B 0.24
P/tB 0.27
EV/EBITDA N/A
EPS(TTM)11.4
EY44.5%
EPS(NY)12.63
Fwd EY49.31%
FCF(TTM)12.79
FCFY49.92%
OCF(TTM)13.53
OCFY52.82%
SpS40.52
BVpS107.9
TBVpS94.59
PEG (NY)0.21
PEG (5Y)0.12
Graham Number166.37
Profitability
Industry RankSector Rank
ROA 1.09%
ROE 10.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.4%
GM N/A
FCFM 31.56%
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 0.14
Debt/FCF 1.2
Debt/EBITDA N/A
Cap/Depr 42.05%
Cap/Sales 1.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC21.77%
ROIC/WACCN/A
Cap/Depr(3y)60.92%
Cap/Depr(5y)60.78%
Cap/Sales(3y)2.46%
Cap/Sales(5y)2.69%
Profit Quality(3y)107.93%
Profit Quality(5y)168.64%
High Growth Momentum
Growth
EPS 1Y (TTM)10.57%
EPS 3Y12.53%
EPS 5Y19.49%
EPS Q2Q%19.77%
EPS Next Y10.82%
EPS Next 2Y9.56%
EPS Next 3Y8.91%
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 2Y7.12%
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 1Y35.38%
FCF growth 3Y-13.33%
FCF growth 5YN/A
OCF growth 1Y26.16%
OCF growth 3Y-12.84%
OCF growth 5YN/A

WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP / WTFCN Fundamental Analysis 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 of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (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.


Can you provide the profitability details for WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP?

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


What are the PE and PB ratios of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) stock?

The Price/Earnings (PE) ratio for WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) is 2.25 and the Price/Book (PB) ratio is 0.24.


Can you provide the dividend sustainability for WTFCN stock?

The dividend rating of WINTRUST FINANCIAL CORP - WTFC 7 7/8 PERP (WTFCN) is 3 / 10 and the dividend payout ratio is 21.88%.