WINTRUST FINANCIAL CORP (WTFC)
US97650W1080 - Common Stock
Taking everything into account, WTFC scores 3 out of 10 in our fundamental rating. WTFC was compared to 402 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 is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
WTFC had positive earnings in the past year.
WTFC had a positive operating cash flow in the past year.
WTFC had positive earnings in each of the past 5 years.
Of the past 5 years WTFC 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of WTFC (1.00%) is better than 68.00% of its industry peers.
The Return On Equity of WTFC (10.83%) is better than 73.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 10.83% | ||
| 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
WTFC has a Profit Margin of 25.59%. This is in the better half of the industry: WTFC outperforms 65.50% of its industry peers.
In the last couple of years the Profit Margin of WTFC has remained more or less at the same level.
WTFC 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) | 25.59% | ||
| 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.
Compared to 5 years ago, WTFC has more shares outstanding
WTFC has a better debt/assets ratio than last year.
2.2 Solvency
WTFC has a debt to FCF ratio of 2.14. This is a good value and a sign of high solvency as WTFC would need 2.14 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.14, WTFC is in line with its industry, outperforming 56.75% of the companies in the same industry.
A Debt/Equity ratio of 0.21 indicates that WTFC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.21, WTFC perfoms like the industry average, outperforming 51.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.14 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WTFC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.92%.
WTFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.37% yearly.
The Revenue has been growing slightly by 5.83% in the past year.
The Revenue has been growing by 11.45% on average over the past years. This is quite good.
EPS 1Y (TTM)-3.92%
EPS 3Y26.97%
EPS 5Y10.37%
EPS Q2Q%-2.37%
Revenue 1Y (TTM)5.83%
Revenue growth 3Y11.38%
Revenue growth 5Y11.45%
Sales Q2Q%7.11%
3.2 Future
The Earnings Per Share is expected to grow by 4.85% 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 6.53% on average per year.
EPS Next Y8.22%
EPS Next 2Y4.28%
EPS Next 3Y4.85%
EPS Next 5YN/A
Revenue Next Year7.34%
Revenue Next 2Y7.19%
Revenue Next 3Y6.53%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.38, which indicates a correct valuation of WTFC.
WTFC's Price/Earnings ratio is in line with the industry average.
WTFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.76.
With a Price/Forward Earnings ratio of 12.27, WTFC is valued correctly.
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 (23.90), we can say WTFC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | 12.27 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WTFC indicates a slightly more expensive valuation: WTFC is more expensive than 62.25% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.63
PEG (5Y)1.29
EPS Next 2Y4.28%
EPS Next 3Y4.85%
5. Dividend
5.1 Amount
WTFC has a Yearly Dividend Yield of 1.55%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.28, WTFC is paying slightly less dividend.
WTFC's Dividend Yield is slightly below the S&P500 average, which is at 2.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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
22.08% of the earnings are spent on dividend by WTFC. This is a low number and sustainable payout ratio.
WTFC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP22.08%
EPS Next 2Y4.28%
EPS Next 3Y4.85%
WINTRUST FINANCIAL CORP
NASDAQ:WTFC (11/7/2024, 11:16:16 AM)
127.78
-3.65 (-2.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap8.50B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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)
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EPS beat(4)
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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)
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Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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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 | 13.38 | ||
| Fwd PE | 12.27 | ||
| 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)1.63
PEG (5Y)1.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 10.83% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.59% | ||
| 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 | 0.21 | ||
| 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)
High Growth Momentum
Growth
EPS 1Y (TTM)-3.92%
EPS 3Y26.97%
EPS 5Y
EPS Q2Q%
EPS Next Y8.22%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)5.83%
Revenue growth 3Y11.38%
Revenue growth 5Y
Sales 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