WINTRUST FINANCIAL CORP (WTFC)
US97650W1080 - Common Stock
We assign a fundamental rating of 3 out of 10 to WTFC. WTFC was compared to 403 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
WTFC had positive earnings in the past year.
In the past year WTFC had a positive cash flow from operations.
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
WTFC has a Return On Assets of 0.95%. This is in the better half of the industry: WTFC outperforms 66.00% of its industry peers.
WTFC has a better Return On Equity (9.46%) than 65.24% 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 Profit Margin of 25.40%. This is in the better half of the industry: WTFC outperforms 64.48% 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) | 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
Compared to 5 years ago, WTFC has more shares outstanding
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.
Looking at the Debt to FCF ratio, with a value of 3.03, WTFC is in line with its industry, outperforming 47.61% of the companies in the same industry.
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 of 0.19. This is comparable to the rest of the industry: WTFC outperforms 50.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.67%
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.
The Earnings Per Share has been growing by 10.37% on average over the past years. This is quite good.
Looking at the last year, WTFC shows a small growth in Revenue. The Revenue has grown by 5.83% in the last year.
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 4.86% on average per year.
WTFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.58% yearly.
EPS Next Y8.22%
EPS Next 2Y4.39%
EPS Next 3Y4.86%
EPS Next 5YN/A
Revenue Next Year7.3%
Revenue Next 2Y7.23%
Revenue Next 3Y6.58%
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 13.37, which indicates a correct valuation of WTFC.
Compared to the rest of the industry, the Price/Earnings ratio of WTFC is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.40. WTFC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 12.23, the valuation of WTFC can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WTFC is on the same level as its industry peers.
WTFC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.67, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.37 | ||
| Fwd PE | 12.23 |
4.2 Price Multiples
69.52% of the companies in the same industry are cheaper than WTFC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.49 | ||
| 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)1.63
PEG (5Y)1.29
EPS Next 2Y4.39%
EPS Next 3Y4.86%
5. Dividend
5.1 Amount
WTFC has a Yearly Dividend Yield of 1.45%. Purely for dividend investing, there may be better candidates out there.
WTFC's Dividend Yield is slightly below the industry average, which is at 3.25.
Compared to the average S&P500 Dividend Yield of 2.33, WTFC is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
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
22.76% 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.
DP22.76%
EPS Next 2Y4.39%
EPS Next 3Y4.86%
WINTRUST FINANCIAL CORP
NASDAQ:WTFC (1/6/2025, 5:20:02 PM)
After market: 127.68 0 (0%)127.68
+1.87 (+1.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.35%
Inst Owner Change0%
Ins Owners1.64%
Ins Owner Change-9.96%
Market Cap8.49B
Analysts84.44
Price Target145.26 (13.77%)
Short Float %1.45%
Short Ratio2.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.45% |
Dividend Growth(5Y)17.69%
DP22.76%
Div Incr Years11
Div Non Decr Years14
Ex-DateN/A
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)9.55%
PT rev (3m)16.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.37 | ||
| Fwd PE | 12.23 | ||
| P/S | 3.56 | ||
| P/FCF | 21.49 | ||
| P/OCF | 17.73 | ||
| P/B | 1.33 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.55
EY7.48%
EPS(NY)10.44
Fwd EY8.18%
FCF(TTM)5.94
FCFY4.65%
OCF(TTM)7.2
OCFY5.64%
SpS35.84
BVpS96.25
TBVpS82.34
PEG (NY)1.63
PEG (5Y)1.29
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)0.95%
ROA(5y)0.88%
ROE(3y)10.27%
ROE(5y)9.36%
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 3Y16.58%
PM growth 5Y0.64%
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
WACC12.67%
ROIC/WACCN/A
Cap/Depr(3y)58.63%
Cap/Depr(5y)66.92%
Cap/Sales(3y)2.7%
Cap/Sales(5y)3.52%
Profit Quality(3y)212.26%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3.92%
EPS 3Y26.97%
EPS 5Y10.37%
EPS Q2Q%-2.37%
EPS Next Y8.22%
EPS Next 2Y4.39%
EPS Next 3Y4.86%
EPS Next 5YN/A
Revenue 1Y (TTM)5.83%
Revenue growth 3Y11.38%
Revenue growth 5Y11.45%
Sales Q2Q%7.11%
Revenue Next Year7.3%
Revenue Next 2Y7.23%
Revenue Next 3Y6.58%
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-71.45%
FCF growth 3YN/A
FCF growth 5Y17.71%
OCF growth 1Y-67.1%
OCF growth 3YN/A
OCF growth 5Y14.56%