WINTRUST FINANCIAL CORP (WTFC)
US97650W1080 - Common Stock
WTFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. While WTFC is still in line with the averages on profitability rating, there are concerns on its financial health. WTFC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year WTFC was profitable.
In the past year WTFC had a positive cash flow from operations.
Each year in the past 5 years WTFC has been profitable.
Of the past 5 years WTFC 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.05%, WTFC is in the better half of the industry, outperforming 67.96% of the companies in the same industry.
With a decent Return On Equity value of 11.07%, WTFC is doing good in the industry, outperforming 72.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 11.07% | ||
| ROIC | N/A |
ROA(3y)0.95%
ROA(5y)0.88%
ROE(3y)10.27%
ROE(5y)9.36%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of WTFC (26.04%) is better than 64.81% of its industry peers.
WTFC's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for WTFC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.04% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.58%
PM growth 5Y0.64%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WTFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
WTFC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for WTFC has been increased compared to 5 years ago.
Compared to 1 year ago, WTFC has an improved debt to assets ratio.
2.2 Solvency
WTFC has a debt to FCF ratio of 1.81. This is a very positive value and a sign of high solvency as it would only need 1.81 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.81, WTFC is in the better half of the industry, outperforming 63.84% of the companies in the same industry.
WTFC has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
WTFC has a Debt to Equity ratio (0.23) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.81 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14%
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 10.77% over the past year.
Measured over the past years, WTFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.37% on average per year.
Looking at the last year, WTFC shows a quite strong growth in Revenue. The Revenue has grown by 12.18% in the last year.
Measured over the past years, WTFC shows a quite strong growth in Revenue. The Revenue has been growing by 11.45% on average per year.
EPS 1Y (TTM)10.77%
EPS 3Y26.97%
EPS 5Y10.37%
EPS growth Q2Q3.21%
Revenue 1Y (TTM)12.18%
Revenue growth 3Y11.38%
Revenue growth 5Y11.45%
Revenue growth Q2Q6.89%
3.2 Future
The Earnings Per Share is expected to grow by 5.60% on average over the next years.
Based on estimates for the next years, WTFC will show a small growth in Revenue. The Revenue will grow by 4.15% on average per year.
EPS Next Y5.42%
EPS Next 2Y3.31%
EPS Next 3Y5.6%
EPS Next 5YN/A
Revenue Next Year3.73%
Revenue Next 2Y3.44%
Revenue Next 3Y4.15%
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.
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
With a Price/Earnings ratio of 10.54, the valuation of WTFC can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of WTFC is on the same level as its industry peers.
When comparing the Price/Earnings ratio of WTFC to the average of the S&P500 Index (28.60), we can say WTFC is valued rather cheaply.
A Price/Forward Earnings ratio of 9.97 indicates a reasonable valuation of WTFC.
WTFC's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of WTFC to the average of the S&P500 Index (20.15), we can say WTFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.54 | ||
| Fwd PE | 9.97 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as WTFC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WTFC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.94
PEG (5Y)1.02
EPS Next 2Y3.31%
EPS Next 3Y5.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.76%, WTFC has a reasonable but not impressive dividend return.
WTFC's Dividend Yield is slightly below the industry average, which is at 3.65.
WTFC's Dividend Yield is slightly below the S&P500 average, which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.76% |
5.2 History
On average, the dividend of WTFC grows each year by 17.69%, which is quite nice.
WTFC has paid a dividend for at least 10 years, which is a reliable track record.
WTFC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)17.69%
Div Incr Years10
Div Non Decr Years13
5.3 Sustainability
21.35% of the earnings are spent on dividend by WTFC. This is a low number and sustainable payout ratio.
The dividend of WTFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP21.35%
EPS Next 2Y3.31%
EPS Next 3Y5.6%
WINTRUST FINANCIAL CORP
NASDAQ:WTFC (5/17/2024, 7:00:03 PM)
After market: 101.95 0 (0%)101.95
-0.2 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap6.30B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.76% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.54 | ||
| Fwd PE | 9.97 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.94
PEG (5Y)1.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 11.07% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 26.04% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)10.77%
EPS 3Y26.97%
EPS 5Y
EPS growth Q2Q
EPS Next Y5.42%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)12.18%
Revenue growth 3Y11.38%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y