NasdaqGS:WTFC.M

Stock Analysis Report

Executive Summary

Wintrust Financial Corporation operates as a financial holding company in the Chicago metropolitan area, southern Wisconsin, and northwest Indiana.

Snowflake

Fundamentals

Flawless balance sheet established dividend payer.


Similar Companies

Share Price & News

How has Wintrust Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.6%

NasdaqGS:WTFC.M

-1.9%

US Banks

-1.9%

US Market


1 Year Return

6.3%

NasdaqGS:WTFC.M

-16.1%

US Banks

-3.3%

US Market

WTFC.M outperformed the Banks industry which returned -16.1% over the past year.

WTFC.M outperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

WTFC.MIndustryMarket
7 Day-1.6%-1.9%-1.9%
30 Day0.4%-11.1%-6.2%
90 Day2.1%-4.9%0.3%
1 Year13.0%6.3%-13.7%-16.1%-1.1%-3.3%
3 Year17.1%-2.1%37.8%28.4%37.9%28.9%
5 Yearn/a49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Wintrust Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Wintrust Financial undervalued based on future cash flows and its price relative to the stock market?

35%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Wintrust Financial's share price is below the future cash flow value, and at a moderate discount (> 20%).

Wintrust Financial's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Wintrust Financial is good value based on earnings compared to the US Banks industry average.

Wintrust Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Wintrust Financial is poor value based on expected growth next year.


Price Based on Value of Assets

Wintrust Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Wintrust Financial expected to perform in the next 1 to 3 years based on estimates from 11 analysts?

7.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Wintrust Financial's revenue is expected to grow by 6.8% yearly, however this is not considered high growth (20% yearly).

Wintrust Financial's earnings are expected to grow by 7.7% yearly, however this is not considered high growth (20% yearly).

Wintrust Financial's revenue growth is positive but not above the United States of America market average.

Wintrust Financial's earnings growth is positive but not above the United States of America market average.

Wintrust Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Wintrust Financial is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Wintrust Financial performed over the past 5 years?

21.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Wintrust Financial has delivered over 20% year on year earnings growth in the past 5 years.

Wintrust Financial's 1-year earnings growth is less than its 5-year average (12.2% vs 21.2%)

Wintrust Financial's earnings growth has not exceeded the US Banks industry average in the past year (12.2% vs 33.1%).


Return on Equity

Wintrust Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Wintrust Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Wintrust Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Wintrust Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Wintrust Financial has an acceptable proportion of non-loan assets held.

Wintrust Financial has a sufficient allowance for bad loans.

Wintrust Financial's liabilities are made up of primarily low risk sources of funding.

Wintrust Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Wintrust Financial are broadly funded by customer deposits.

Wintrust Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Wintrust Financial's current dividend yield, its reliability and sustainability?

1.65%

Expected Dividend Yield


Upcoming Dividend Payment

Purchase Wintrust Financial before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Wintrust Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Wintrust Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are thoroughly covered by earnings (6.7x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (6.2x coverage).


Next Steps

Management

What is the CEO of Wintrust Financial's salary, the management and board of directors tenure and is there insider trading?

13.2yrs

Average management tenure


CEO

Ed Wehmer (65yo)

21.3yrs

Tenure

US$4,900,431

Compensation

Mr. Edward Joseph Wehmer, also known as Ed, has been the President and Chief Executive Officer of Wintrust Financial Corporation since May 1998 and Director since 1996. Mr. Wehmer serves as an Advisory Dir ...


CEO Compensation Analysis

Ed's remuneration is about average for companies of similar size in United States of America.

Ed's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

13.2yrs

Average Tenure

58yo

Average Age

The average tenure for the Wintrust Financial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

14.4yrs

Average Tenure

65yo

Average Age

The average tenure for the Wintrust Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Ed Wehmer (65yo)

    President

    • Tenure: 21.3yrs
    • Compensation: US$4.90m
  • Dave Dykstra (58yo)

    Senior EVP & COO

    • Tenure: 17.6yrs
    • Compensation: US$2.17m
  • Dave Stoehr (59yo)

    Executive VP & CFO

    • Tenure: 17.6yrs
    • Compensation: US$1.22m
  • Leona Gleason (69yo)

    Chief Administrative Officer & Executive VP

    • Tenure: 0.0yrs
    • Compensation: US$901.80k
  • Tim Crane (57yo)

    Executive VP

    • Tenure: 3.6yrs
    • Compensation: US$1.21m
  • Tom Zidar (50yo)

    Executive VP & Market Head of Wealth Management Services

    • Tenure: 13.2yrs
  • Kathleen Boege (52yo)

    Executive VP

    • Tenure: 0.0yrs
  • Dave Larson (56yo)

    Executive VP & Regional Market Head

    • Tenure: 0.0yrs
  • Guy Eisenhuth (63yo)

    Executive VP & Regional Market Head

    • Tenure: 5.6yrs
  • Tony Buttrick

    Executive VP & Chief Information Officer

    • Tenure: 1.5yrs

Board Members

  • Chris Perry (63yo)

    Director

    • Tenure: 10.3yrs
    • Compensation: US$129.40k
  • Ed Wehmer (65yo)

    President

    • Tenure: 21.3yrs
    • Compensation: US$4.90m
  • Bruce Crowther (67yo)

    Independent Director

    • Tenure: 21.6yrs
    • Compensation: US$157.14k
  • Ingrid Stafford (65yo)

    Director

    • Tenure: 21.3yrs
    • Compensation: US$153.22k
  • Peter Crist (67yo)

    Independent Director

    • Tenure: 23.6yrs
    • Compensation: US$170.96k
  • Scott Heitmann (70yo)

    Director

    • Tenure: 11.3yrs
    • Compensation: US$158.96k
  • Dave Stoehr (59yo)

    Executive VP & CFO

    • Tenure: 17.6yrs
    • Compensation: US$1.22m
  • Pat Hackett (67yo)

    Chairman of the Board

    • Tenure: 2.6yrs
    • Compensation: US$152.20k
  • Marla Gay Glabe (65yo)

    Director

    • Tenure: 4.3yrs
    • Compensation: US$118.30k
  • Karin Teglia (51yo)

    Director

    • Tenure: 0.3yrs

Company Information

Wintrust Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Wintrust Financial Corporation
  • Ticker: WTFC.M
  • Exchange: NasdaqGS
  • Founded: 1991
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$3.501b
  • Shares outstanding: 56.69m
  • Website: https://www.wintrust.com

Number of Employees


Location

  • Wintrust Financial Corporation
  • 9700 West Higgins Road
  • Suite 800
  • Rosemont
  • Illinois
  • 60018
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WTFCNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDSep 1996
WF2DB (Deutsche Boerse AG)YesCommon StockDEEURSep 1996
WTFC.MNasdaqGS (Nasdaq Global Select)PFD-D FIX/FLTUSUSDJun 2015

Biography

Wintrust Financial Corporation operates as a financial holding company in the Chicago metropolitan area, southern Wisconsin, and northwest Indiana. It operates in three segments: Community Banking, Special ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/26 00:36
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.