WINTRUST FINANCIAL CORP (WTFC) Stock Fundamental Analysis
NASDAQ:WTFC - Nasdaq - US97650W1080 - Common Stock - Currency: USD
WTFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. WTFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. WTFC is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year WTFC was profitable.
WTFC had a positive operating cash flow in the past year.
WTFC had positive earnings in each of the past 5 years.
In multiple years WTFC reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of WTFC (0.95%) is better than 65.08% of its industry peers.
With a decent Return On Equity value of 9.46%, WTFC is doing good in the industry, outperforming 65.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 9.46% | ||
| 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
1.3 Margins
The Profit Margin of WTFC (25.40%) is better than 64.32% of its industry peers.
In the last couple of years the Profit Margin of WTFC has grown nicely.
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) | 25.4% | ||
| 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
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.
WTFC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for WTFC has been reduced compared to a year ago.
2.2 Solvency
WTFC has a debt to FCF ratio of 3.03. This is a good value and a sign of high solvency as WTFC would need 3.03 years to pay back of all of its debts.
WTFC has a Debt to FCF ratio (3.03) which is in line with its industry peers.
WTFC has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
WTFC has a Debt to Equity ratio (0.19) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WTFC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.62%.
WTFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.32% yearly.
Looking at the last year, WTFC shows a small growth in Revenue. The Revenue has grown by 7.87% in the last year.
Measured over the past years, WTFC shows a quite strong growth in Revenue. The Revenue has been growing by 10.88% on average per year.
EPS 1Y (TTM)7.62%
EPS 3Y10.85%
EPS 5Y11.32%
EPS Q2Q%40.64%
Revenue 1Y (TTM)7.87%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%11.88%
3.2 Future
The Earnings Per Share is expected to grow by 6.86% on average over the next years.
WTFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.32% yearly.
EPS Next Y1.8%
EPS Next 2Y3.94%
EPS Next 3Y6.86%
EPS Next 5YN/A
Revenue Next Year7.16%
Revenue Next 2Y6.32%
Revenue Next 3YN/A
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
The Price/Earnings ratio is 12.57, which indicates a correct valuation of WTFC.
WTFC's Price/Earnings ratio is a bit cheaper when compared to the industry. WTFC is cheaper than 61.56% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.58. WTFC is valued rather cheaply when compared to this.
WTFC is valuated correctly with a Price/Forward Earnings ratio of 12.35.
The rest of the industry has a similar Price/Forward Earnings ratio as WTFC.
WTFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 95.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.57 | ||
| Fwd PE | 12.35 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WTFC is valued a bit more expensive than the industry average as 68.59% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.81 | ||
| 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)6.97
PEG (5Y)1.11
EPS Next 2Y3.94%
EPS Next 3Y6.86%
5. Dividend
5.1 Amount
WTFC has a Yearly Dividend Yield of 1.52%.
WTFC's Dividend Yield is slightly below the industry average, which is at 3.17.
WTFC's Dividend Yield is slightly below the S&P500 average, which is at 2.28.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
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 Years11
Div Non Decr Years14
5.3 Sustainability
WTFC pays out 22.76% of its income as dividend. This is a sustainable payout ratio.
WTFC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP22.76%
EPS Next 2Y3.94%
EPS Next 3Y6.86%
WINTRUST FINANCIAL CORP
NASDAQ:WTFC (2/5/2025, 8:00:02 PM)
After market: 129.61 0 (0%)129.61
+0.48 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.35%
Inst Owner Change-0.22%
Ins Owners1.64%
Ins Owner Change-2.91%
Market Cap8.62B
Analysts84.44
Price Target151.43 (16.84%)
Short Float %1.48%
Short Ratio2.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
Yearly Dividend2.06
Dividend Growth(5Y)17.69%
DP22.76%
Div Incr Years11
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.64%
Min EPS beat(2)-5.91%
Max EPS beat(2)-3.37%
EPS beat(4)1
Avg EPS beat(4)-4.63%
Min EPS beat(4)-26.34%
Max EPS beat(4)17.1%
EPS beat(8)3
Avg EPS beat(8)-3.09%
EPS beat(12)6
Avg EPS beat(12)-0.15%
EPS beat(16)10
Avg EPS beat(16)6.56%
Revenue beat(2)0
Avg Revenue beat(2)-2.09%
Min Revenue beat(2)-2.96%
Max Revenue beat(2)-1.22%
Revenue beat(4)1
Avg Revenue beat(4)-1.24%
Min Revenue beat(4)-3.38%
Max Revenue beat(4)2.62%
Revenue beat(8)1
Avg Revenue beat(8)-1.56%
Revenue beat(12)3
Avg Revenue beat(12)-0.71%
Revenue beat(16)5
Avg Revenue beat(16)-0.38%
PT rev (1m)4.24%
PT rev (3m)20.46%
EPS NQ rev (1m)-0.63%
EPS NQ rev (3m)-0.8%
EPS NY rev (1m)0.55%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)0.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.57 | ||
| Fwd PE | 12.35 | ||
| P/S | 3.62 | ||
| P/FCF | 21.81 | ||
| P/OCF | 18 | ||
| P/B | 1.35 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.31
EY7.95%
EPS(NY)10.5
Fwd EY8.1%
FCF(TTM)5.94
FCFY4.58%
OCF(TTM)7.2
OCFY5.55%
SpS35.84
BVpS96.25
TBVpS82.34
PEG (NY)6.97
PEG (5Y)1.11
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 9.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.4% | ||
| GM | N/A | ||
| FCFM | 16.58% |
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-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.03 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 89.91% | ||
| Cap/Sales | 3.51% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 65.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC12.58%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.62%
EPS 3Y10.85%
EPS 5Y11.32%
EPS Q2Q%40.64%
EPS Next Y1.8%
EPS Next 2Y3.94%
EPS Next 3Y6.86%
EPS Next 5YN/A
Revenue 1Y (TTM)7.87%
Revenue growth 3Y12.72%
Revenue growth 5Y10.88%
Sales Q2Q%11.88%
Revenue Next Year7.16%
Revenue Next 2Y6.32%
Revenue Next 3YN/A
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-48.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-41.35%
OCF growth 3YN/A
OCF growth 5YN/A