WINTRUST FINANCIAL CORP - WTFC 6 7/8 PERP (WTFCP) Stock Fundamental Analysis
NASDAQ:WTFCP - Nasdaq - US97650W5040 - Currency: USD
We assign a fundamental rating of 4 out of 10 to WTFCP. WTFCP was compared to 404 industry peers in the Banks industry. WTFCP has a medium profitability rating, but doesn't score so well on its financial health evaluation. WTFCP may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year WTFCP was profitable.
In the past year WTFCP had a positive cash flow from operations.
Each year in the past 5 years WTFCP has been profitable.
In multiple years WTFCP reported negative operating cash flow during the last 5 years.
1.2 Ratios
WTFCP has a better Return On Assets (0.95%) than 65.08% of its industry peers.
The Return On Equity of WTFCP (9.46%) is better than 64.82% of its industry peers.
| 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
WTFCP has a better Profit Margin (25.40%) than 65.08% of its industry peers.
In the last couple of years the Profit Margin of WTFCP has grown nicely.
The Operating Margin and Gross Margin are not available for WTFCP 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 3Y2.05%
PM growth 5Y2.75%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WTFCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WTFCP has more shares outstanding
The number of shares outstanding for WTFCP has been increased compared to 5 years ago.
Compared to 1 year ago, WTFCP has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of WTFCP is 3.03, which is a good value as it means it would take WTFCP, 3.03 years of fcf income to pay off all of its debts.
WTFCP has a Debt to FCF ratio (3.03) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.19 indicates that WTFCP is not too dependend on debt financing.
The Debt to Equity ratio of WTFCP (0.19) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.08%
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 been growing slightly by 7.62% over the past year.
WTFCP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.32% yearly.
The Revenue has been growing slightly by 7.87% in the past year.
WTFCP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.88% yearly.
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
Based on estimates for the next years, WTFCP will show a small growth in Earnings Per Share. The EPS will grow by 6.86% on average per year.
WTFCP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.14% yearly.
EPS Next Y1.8%
EPS Next 2Y3.94%
EPS Next 3Y6.86%
EPS Next 5YN/A
Revenue Next Year8.28%
Revenue Next 2Y7.04%
Revenue Next 3Y7.14%
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.
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
WTFCP is valuated cheaply with a Price/Earnings ratio of 2.44.
WTFCP's Price/Earnings ratio is rather cheap when compared to the industry. WTFCP is cheaper than 99.25% of the companies in the same industry.
When comparing the Price/Earnings ratio of WTFCP to the average of the S&P500 Index (28.20), we can say WTFCP is valued rather cheaply.
WTFCP is valuated cheaply with a Price/Forward Earnings ratio of 2.40.
Based on the Price/Forward Earnings ratio, WTFCP is valued cheaper than 99.25% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 94.48. WTFCP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.44 | ||
| Fwd PE | 2.4 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WTFCP indicates a rather cheap valuation: WTFCP is cheaper than 92.71% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WTFCP's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.35
PEG (5Y)0.22
EPS Next 2Y3.94%
EPS Next 3Y6.86%
5. Dividend
5.1 Amount
WTFCP has a Yearly Dividend Yield of 1.52%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.10, WTFCP is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.30, WTFCP is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
5.2 History
The dividend of WTFCP is nicely growing with an annual growth rate of 17.69%!
WTFCP has been paying a dividend for over 5 years, so it has already some track record.
WTFCP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)17.69%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
22.76% of the earnings are spent on dividend by WTFCP. This is a low number and sustainable payout ratio.
WTFCP'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 - WTFC 6 7/8 PERP
NASDAQ:WTFCP (2/11/2025, 11:56:43 AM)
After market: 25.17 -0.01 (-0.04%)25.18
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.35%
Inst Owner ChangeN/A
Ins Owners1.64%
Ins Owner ChangeN/A
Market Cap1.67B
Analysts84.21
Price Target29.29 (16.32%)
Short Float %0.05%
Short Ratio1.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.52% |
Yearly Dividend2.06
Dividend Growth(5Y)17.69%
DP22.76%
Div Incr Years0
Div Non Decr Years4
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)-1.09%
PT rev (3m)6.72%
EPS NQ rev (1m)-0.63%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)0.55%
EPS NY rev (3m)0.75%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)0.97%
Revenue NY rev (3m)1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.44 | ||
| Fwd PE | 2.4 | ||
| P/S | 0.7 | ||
| P/FCF | 4.24 | ||
| P/OCF | 3.5 | ||
| P/B | 0.26 | ||
| P/tB | 0.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.31
EY40.95%
EPS(NY)10.5
Fwd EY41.68%
FCF(TTM)5.94
FCFY23.6%
OCF(TTM)7.2
OCFY28.59%
SpS35.84
BVpS96.25
TBVpS82.34
PEG (NY)1.35
PEG (5Y)0.22
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
WACC18.08%
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 Year8.28%
Revenue Next 2Y7.04%
Revenue Next 3Y7.14%
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