WINTRUST FINANCIAL CORP (WTFC)
US97650W1080 - Common Stock
We assign a fundamental rating of 3 out of 10 to WTFC. WTFC was compared to 404 industry peers in the Banks industry. There are concerns on the financial health of WTFC while its profitability can be described as average. 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.
Each year in the past 5 years WTFC has been profitable.
WTFC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
WTFC has a better Return On Assets (0.95%) than 65.09% of its industry peers.
WTFC has a better Return On Equity (9.46%) than 62.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 9.46% | ||
| 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 better Profit Margin (25.40%) than 64.34% 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) | 25.4% | ||
| 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.
Compared to 1 year ago, WTFC has more shares outstanding
WTFC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, WTFC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of WTFC is 3.03, which is a good value as it means it would take WTFC, 3.03 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 3.03, WTFC perfoms like the industry average, outperforming 47.38% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that WTFC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.19, WTFC perfoms like the industry average, outperforming 54.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for WTFC have decreased by -3.92% in the last year.
WTFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.37% yearly.
WTFC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.83%.
WTFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.45% yearly.
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
Based on estimates for the next years, WTFC will show a small growth in Earnings Per Share. The EPS will grow by 4.85% on average per year.
The Revenue is expected to grow by 6.53% on average over the next years.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.99 indicates a correct valuation of WTFC.
WTFC's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 28.96. WTFC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 12.83, WTFC is valued correctly.
The rest of the industry has a similar Price/Forward Earnings ratio as WTFC.
WTFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.99 | ||
| Fwd PE | 12.83 |
4.2 Price Multiples
WTFC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. WTFC is more expensive than 70.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.49 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WTFC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.7
PEG (5Y)1.35
EPS Next 2Y4.28%
EPS Next 3Y4.85%
5. Dividend
5.1 Amount
WTFC has a Yearly Dividend Yield of 1.37%.
Compared to an average industry Dividend Yield of 3.02, WTFC is paying slightly less dividend.
WTFC's Dividend Yield is slightly below the S&P500 average, which is at 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
5.2 History
The dividend of WTFC is nicely growing with an annual growth rate of 17.69%!
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
WTFC pays out 22.76% of its income as dividend. This is a sustainable payout ratio.
The dividend of WTFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.76%
EPS Next 2Y4.28%
EPS Next 3Y4.85%
WINTRUST FINANCIAL CORP
NASDAQ:WTFC (11/21/2024, 8:02:04 PM)
After market: 133.63 0 (0%)133.63
+2.8 (+2.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap8.88B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.37% |
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)
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Min 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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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 | 13.99 | ||
| Fwd PE | 12.83 | ||
| 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)1.7
PEG (5Y)1.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 9.46% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.4% | ||
| 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 | 0.19 | ||
| 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