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Wintrust Financial

Nasdaq:WTFC
Snowflake Description

Flawless balance sheet average dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
WTFC
Nasdaq
$4B
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Wintrust Financial Corporation operates as a financial holding company in the Chicago metropolitan area, southern Wisconsin, and northwest Indiana. The last earnings update was 8 days ago. More info.


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WTFC Share Price and Events
7 Day Returns
0.4%
NasdaqGS:WTFC
1.2%
US Banks
-0.1%
US Market
1 Year Returns
-16.4%
NasdaqGS:WTFC
-5.2%
US Banks
7.6%
US Market
WTFC Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Wintrust Financial (WTFC) 0.4% 19.4% 8.7% -16.4% 46.2% 73.4%
US Banks 1.2% 8.6% 3.7% -5.2% 43.3% 51.7%
US Market -0.1% 3.7% 10.2% 7.6% 38.1% 46.4%
1 Year Return vs Industry and Market
  • WTFC underperformed the Banks industry which returned -5.2% over the past year.
  • WTFC underperformed the Market in United States of America which returned 7.6% over the past year.
Price Volatility
WTFC
Industry
5yr Volatility vs Market

Value

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

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Wintrust Financial to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Wintrust Financial.

NasdaqGS:WTFC Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 10 analysts.
= Stable Book Value * Return on Equity
= $64.86 * 11.3%
$7.30
Book Value of Equity per Share Weighted future Book Value estimates from 13 analysts. $64.86
Discount Rate (Cost of Equity) See below 7.8%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:WTFC
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.63
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.63 (1 + (1- 21%) (30.84%))
0.855
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.86
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.855 * 5.96%)
7.83%

Discounted Cash Flow Calculation for NasdaqGS:WTFC using Excess Returns Model Model

The calculations below outline how an intrinsic value for Wintrust Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGS:WTFC Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (11.3% – 7.83%) * $64.86)
$2.22
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $2.22 / (7.83% - 2.73%)
$43.61
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $64.86 + $43.61
$108.47
NasdaqGS:WTFC Discount to Share Price
Calculation Result
Value per share (USD) From above. $108.47
Current discount Discount to share price of $76.78
= -1 x ($76.78 - $108.47) / $108.47
29.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Wintrust Financial is available for.
Intrinsic value
29%
Share price is $76.78 vs Future cash flow value of $108.47
Current Discount Checks
For Wintrust Financial to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • 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 RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Wintrust Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Wintrust Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:WTFC PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $6.07
NasdaqGS:WTFC Share Price ** NasdaqGS (2019-04-23) in USD $76.78
United States of America Banks Industry PE Ratio Median Figure of 587 Publicly-Listed Banks Companies 12.86x
United States of America Market PE Ratio Median Figure of 3,080 Publicly-Listed Companies 18.03x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Wintrust Financial.

NasdaqGS:WTFC PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:WTFC Share Price ÷ EPS (both in USD)

= 76.78 ÷ 6.07

12.66x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • 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
Does Wintrust Financial's expected growth come at a high price?
Raw Data
NasdaqGS:WTFC PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 12.66x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 12 Analysts
8%per year
United States of America Banks Industry PEG Ratio Median Figure of 262 Publicly-Listed Banks Companies 1.25x
United States of America Market PEG Ratio Median Figure of 2,109 Publicly-Listed Companies 1.55x

*Line of best fit is calculated by linear regression .

NasdaqGS:WTFC PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 12.66x ÷ 8%

1.58x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Wintrust Financial is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Wintrust Financial's assets?
Raw Data
NasdaqGS:WTFC PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $57.33
NasdaqGS:WTFC Share Price * NasdaqGS (2019-04-23) in USD $76.78
United States of America Banks Industry PB Ratio Median Figure of 592 Publicly-Listed Banks Companies 1.22x
United States of America Market PB Ratio Median Figure of 5,185 Publicly-Listed Companies 1.92x
NasdaqGS:WTFC PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:WTFC Share Price ÷ Book Value per Share (both in USD)

= 76.78 ÷ 57.33

1.34x

* Primary Listing of Wintrust Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Wintrust Financial is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess Wintrust Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Wintrust Financial has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Wintrust Financial expected to perform in the next 1 to 3 years based on estimates from 12 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Wintrust Financial expected to grow at an attractive rate?
  • Wintrust Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Wintrust Financial's earnings growth is positive but not above the United States of America market average.
  • Wintrust Financial's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:WTFC Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:WTFC Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 12 Analysts 8%
NasdaqGS:WTFC Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 12 Analysts 7.4%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 4.2%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.3%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.5%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:WTFC Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 weeks ago) See Below
Future Estimates Average of up to 12 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:WTFC Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 1,683 437 1
2020-12-31 1,554 408 10
2019-12-31 1,460 379 9
NasdaqGS:WTFC Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 1,316 342
2018-12-31 1,286 377 335
2018-09-30 1,259 513 324
2018-06-30 1,210 378 298
2018-03-31 1,168 293 273
2017-12-31 1,121 402 248
2017-09-30 1,097 542 232
2017-06-30 1,071 528 218
2017-03-31 1,036 374 202
2016-12-31 1,009 311 192
2016-09-30 964 -56 173
2016-06-30 924 18 158

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Wintrust Financial's earnings are expected to grow by 8% yearly, however this is not considered high growth (20% yearly).
  • Wintrust Financial's revenue is expected to grow by 7.4% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:WTFC Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 weeks ago) See Below
Future Estimates Average of up to 12 Analyst Estimates (S&P Global) See Below

All data from Wintrust Financial Company Filings, last reported 3 weeks ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:WTFC Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 7.62 7.62 7.62 1.00
2020-12-31 7.07 7.29 6.88 12.00
2019-12-31 6.61 6.81 6.44 12.00
NasdaqGS:WTFC Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 6.07
2018-12-31 5.95
2018-09-30 5.77
2018-06-30 5.31
2018-03-31 4.91
2017-12-31 4.53
2017-09-30 4.33
2017-06-30 4.14
2017-03-31 3.94
2016-12-31 3.83
2016-09-30 3.51
2016-06-30 3.26

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Wintrust Financial is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Wintrust Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Wintrust Financial has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Wintrust Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Wintrust Financial's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Wintrust Financial has delivered over 20% year on year earnings growth in the past 5 years.
  • Wintrust Financial's 1-year earnings growth exceeds its 5-year average (25.3% vs 21%)
  • Wintrust Financial's earnings growth has not exceeded the US Banks industry average in the past year (25.3% vs 43.5%).
Earnings and Revenue History
Wintrust Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Wintrust Financial Company Filings, last reported 3 weeks ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:WTFC Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 1,316.25 342.13 736.84
2018-12-31 1,285.62 334.97 718.62
2018-09-30 1,258.99 324.09 706.28
2018-06-30 1,210.37 297.77 679.73
2018-03-31 1,168.04 273.09 658.61
2017-12-31 1,120.59 247.90 635.62
2017-09-30 1,096.92 232.15 615.31
2017-06-30 1,070.77 218.06 604.88
2017-03-31 1,036.23 201.63 591.20
2016-12-31 1,009.22 192.36 580.35
2016-09-30 963.77 173.27 558.19
2016-06-30 924.27 158.05 545.51
2016-03-31 897.75 153.89 531.78
2015-12-31 880.18 145.88 532.69
2015-09-30 862.19 150.55 512.61
2015-06-30 843.78 154.92 491.76
2015-03-31 815.98 149.63 471.65
2014-12-31 793.28 145.08 456.63
2014-09-30 772.85 142.23 440.60
2014-06-30 754.43 137.57 428.99
2014-03-31 742.24 132.30 423.43
2013-12-31 726.99 128.82 416.52
2013-09-30 720.51 122.58 413.89
2013-06-30 705.26 118.31 409.65
2013-03-31 679.40 109.58 395.23
2012-12-31 661.67 102.10 384.54
2012-09-30 634.08 92.82 374.19
2012-06-30 592.97 92.27 358.63

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Wintrust Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Wintrust Financial used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • 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.
X
Past performance checks
We assess Wintrust Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Wintrust Financial has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Wintrust Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Wintrust Financial Company Filings, last reported 3 weeks ago.

NasdaqGS:WTFC Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 3,371.97 1,341.35 1,881.23
2018-12-31 3,267.57 1,281.05 1,566.66
2018-09-30 3,179.82 1,452.69 1,513.88
2018-06-30 3,106.87 1,384.78 1,619.07
2018-03-31 3,031.25 1,610.47 1,292.49
2017-12-31 2,976.94 1,254.11 1,393.90
2017-09-30 2,908.93 1,149.03 1,519.52
2017-06-30 2,839.46 1,026.23 1,359.49
2017-03-31 2,764.98 900.46 1,279.60
2016-12-31 2,695.62 848.69 1,308.89
2016-09-30 2,674.47 1,141.46 1,152.97
2016-06-30 2,623.60 1,334.06 1,069.51
2016-03-31 2,418.44 1,526.77 1,117.77
2015-12-31 2,352.27 1,571.66 935.32
2015-09-30 2,335.74 1,185.07 1,024.11
2015-06-30 2,264.98 1,135.92 894.45
2015-03-31 2,131.07 1,047.76 1,059.47
2014-12-31 2,069.82 1,360.19 1,278.31
2014-09-30 2,028.51 823.98 957.14
2014-06-30 1,998.24 1,057.44 917.05
2014-03-31 1,940.14 906.05 936.30
2013-12-31 1,900.59 959.62 594.96
2013-09-30 1,873.57 945.06 1,070.30
2013-06-30 1,836.66 1,137.59 735.17
2013-03-31 1,825.69 1,021.43 951.98
2012-12-31 1,804.71 1,012.87 1,245.06
2012-09-30 1,761.30 1,138.19 1,213.87
2012-06-30 1,722.07 1,628.98 704.94
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Wintrust Financial has an acceptable proportion of non-loan assets held.
  • Wintrust Financial's liabilities are made up of primarily low risk sources of funding.
  • Loans at Wintrust Financial are broadly funded by customer deposits.
  • Wintrust Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Wintrust Financial has a sufficient allowance for bad loans.
  • Wintrust Financial has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Wintrust Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Wintrust Financial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.3%
Current annual income from Wintrust Financial dividends. Estimated to be 1.3% next year.
If you bought $2,000 of Wintrust Financial shares you are expected to receive $26 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Wintrust Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.4%).
  • Wintrust Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.64%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:WTFC Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 12 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 472 Stocks 2.8%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2008 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:WTFC Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 1.32 1.00
2020-12-31 1.02 12.00
2019-12-31 0.96 12.00
NasdaqGS:WTFC Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-01-24 1.000 1.388
2018-10-25 0.760 1.050
2018-07-26 0.760 0.875
2018-04-26 0.760 0.828
2018-01-25 0.760 0.874
2017-10-26 0.560 0.679
2017-07-27 0.560 0.749
2017-04-27 0.560 0.758
2017-01-26 0.560 0.788
2016-10-27 0.480 0.729
2016-07-28 0.480 0.879
2016-04-28 0.480 0.933
2016-01-28 0.480 1.093
2015-10-29 0.440 0.912
2015-07-23 0.440 0.842
2015-04-23 0.440 0.853
2015-01-22 0.440 0.933
2014-10-23 0.400 0.883
2014-07-24 0.400 0.874
2014-04-24 0.400 0.885
2014-01-23 0.400 0.865
2014-01-21 0.180 0.382
2013-07-25 0.180 0.419
2013-07-16 0.180 0.436
2013-01-24 0.180 0.485
2013-01-17 0.180 0.476
2012-07-26 0.180 0.484
2012-07-18 0.180 0.490
2012-01-26 0.180 0.524
2012-01-18 0.180 0.575
2011-07-28 0.180 0.628
2011-07-27 0.180 0.528
2011-01-27 0.180 0.536
2011-01-24 0.180 0.539
2010-07-29 0.180 0.580
2010-07-28 0.180 0.565
2010-01-28 0.180 0.505
2010-01-27 0.180 0.500
2009-07-30 0.180 0.632
2009-07-29 0.360 1.534
2009-04-24 0.360 2.098

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • 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
What portion of Wintrust Financial's earnings are paid to the shareholders as a dividend.
  • Dividends paid are thoroughly covered by earnings (7.4x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (6.6x coverage).
X
Income/ dividend checks
We assess Wintrust Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Wintrust Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Wintrust Financial has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Ed Wehmer
COMPENSATION $4,900,431
AGE 64
TENURE AS CEO 20.9 years
CEO Bio

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 Director of Lake Forest Bank & Trust Company, National Association. He served as the President and Chief Operating Officer of Wintrust Financial Corp. since its formation in 1996. Prior to joining Wintrust Financial Corp., he served as the Chief Financial Officer and Senior Vice President of Corus Bankshares, Inc. (formerly, River Forest Bancorp, Inc.) from 1985 to 1991 and President of its largest bank subsidiary, Lincoln National Bank in Chicago, Illinois. He served as the Chief Financial Officer and Senior Vice President of Corus Financial Corporation (now known as Corevest Financial Corporation). He served as the President of Lake Forest Bank from 1991 to 1998. Mr. Wehmer spent seven years with the accounting firm of Ernst & Young LLP specializing in the banking field and particularly in the area of bank mergers and acquisitions. He was one of the principal organizers of each of the banking subsidiaries and serves as the Chairman or Vice Chairman and a Director of each of the subsidiary: Wayne Hummer Trust Company (WHTC), Wayne Hummer Investments L.L.C. (WHI), Wayne Hummer Asset Management Company (WHAMC), Focused, FIFC, Tricom and WITS. He was a Director at Wintrust Financial Corporation since 1996 to 2018. He served as a Director at Lake Forest Bank & Trust Company, National Association, Hinsdale Bank & Trust Company and served as Director of Town Bank. He serves as Director of Great Lakes Advisors, LLC. He serves as an Advisory Director of Northbrook Bank & Trust Company; and Wintrust Bank. He served as Advisory Director of Beverly Bank & Trust Company, National Association (“Beverly”). He serves as a Director of Libertyville Bank & Trust Company; Old Plank Trail Community Bank, N.A.; and Schaumburg Bank & Trust Company, N.A. He served as a Director of Beverly. He served as Director of Crystal Lake Bank & Trust Company, N.A until May 11, 2016. He has been a Director at Stepan Company since August 13, 2003 and its Lead Independent Director since December 31, 2016. He served as a Director of River Forest Bancorp, Inc. from 1985 to 1991. He served as a Member of Corporate Board at Boys and Girls Clubs of Chicago. He is involved in several charitable and fraternal organizations. Mr. Wehmer is a Certified Public Accountant.

CEO Compensation
  • Ed's compensation has been consistent with company performance over the past year.
  • Ed's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Wintrust Financial management team in years:

12.8
Average Tenure
57
Average Age
  • The average tenure for the Wintrust Financial management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Ed Wehmer

TITLE
President
COMPENSATION
$5M
AGE
64
TENURE
20.9 yrs

Dave Stoehr

TITLE
Executive VP & CFO
COMPENSATION
$1M
AGE
58
TENURE
16.5 yrs

Dave Dykstra

TITLE
Senior EVP & COO
COMPENSATION
$2M
AGE
57
TENURE
17.3 yrs

Tim Crane

TITLE
Executive VP
COMPENSATION
$1M
AGE
56
TENURE
3.3 yrs

Tony Buttrick

TITLE
Executive VP & Chief Information Officer
TENURE
1.2 yrs

Leona Gleason

TITLE
Chief Administrative Officer & Executive VP
COMPENSATION
$902K
AGE
68

Kathleen Boege

TITLE
Executive VP
AGE
51

Tom Zidar

TITLE
Executive VP & Market Head of Wealth Management Services
AGE
49
TENURE
12.8 yrs

Dave Larson

TITLE
Executive VP & Regional Market Head
AGE
55

Guy Eisenhuth

TITLE
Executive VP & Regional Market Head
AGE
62
TENURE
5.3 yrs
Board of Directors Tenure

Average tenure and age of the Wintrust Financial board of directors in years:

14.1
Average Tenure
64.5
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.
Board of Directors

Pat Hackett

TITLE
Chairman
COMPENSATION
$152K
AGE
66
TENURE
2.3 yrs

Ed Wehmer

TITLE
President
COMPENSATION
$5M
AGE
64
TENURE
23.3 yrs

Dave Stoehr

TITLE
Executive VP & CFO
COMPENSATION
$1M
AGE
58
TENURE
17.3 yrs

Ingrid Stafford

TITLE
Director
COMPENSATION
$153K
AGE
64
TENURE
20.9 yrs

Peter Crist

TITLE
Independent Director
COMPENSATION
$171K
AGE
66
TENURE
23.3 yrs

Bruce Crowther

TITLE
Independent Director
COMPENSATION
$157K
AGE
66
TENURE
21.3 yrs

Chris Perry

TITLE
Director
COMPENSATION
$129K
AGE
62
TENURE
9.9 yrs

Scott Heitmann

TITLE
Director
COMPENSATION
$159K
AGE
69
TENURE
10.9 yrs

Sheila Talton

TITLE
Director
COMPENSATION
$113K
AGE
65
TENURE
6.9 yrs

Zed Francis

TITLE
Director
COMPENSATION
$104K
AGE
63
TENURE
3.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
25. Oct 18 Buy Gary Sweeney Individual 24. Oct 18 24. Oct 18 300 $74.61 $22,383
X
Management checks
We assess Wintrust Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Wintrust Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Should You Be Worried About Insider Transactions At Wintrust Financial Corporation (NASDAQ:WTFC)?

So we'll take a look at whether insiders have been buying or selling shares in Wintrust Financial Corporation (NASDAQ:WTFC). … The Last 12 Months Of Insider Transactions At Wintrust Financial. … Over the last year we saw more insider selling of Wintrust Financial shares, than buying

Simply Wall St -

Risk Factors To Consider Before Investing In Wintrust Financial Corporation (NASDAQ:WTFC)

Risk associated with repayment is measured by bad debt which is written off as an expense, impacting Wintrust Financial’s bottom line. … Looking through a risk-lens is a useful way to assess the attractiveness of Wintrust Financial's a stock investment. … View our latest analysis for Wintrust Financial

Simply Wall St -

Wintrust Financial Corporation (NASDAQ:WTFC): Poised For Long-Term Success?

Wintrust Financial Corporation's (NASDAQ:WTFC) latest earnings announcement in December 2018a … revealed

Simply Wall St -

Does Wintrust Financial Corporation's (NASDAQ:WTFC) CEO Pay Matter?

How Does Ed Wehmer's Compensation Compare With Similar Sized Companies. … At the time of writing our data says that Wintrust Financial Corporation has a market cap of US$4.0b, and is paying total annual CEO compensation of US$4.2m. … While this analysis focuses on total compensation, it's worth noting the salary is lower, valued at US$1.1m

Simply Wall St -

What Makes Wintrust Financial Corporation (NASDAQ:WTFC) A Hard Investment?

Wintrust Financial Corporation’s (NASDAQ:WTFC) profitability and risk are largely affected by the underlying economic growth for the region it operates in US given it is a small-cap stock with a market capitalisation of US$4.3b. … The Basel III reforms are aimed at banking regulations to improve financial institutions’ ability to absorb shocks caused by economic stress which could expose banks like Wintrust Financial to vulnerabilities. … Low levels of leverage coupled with sufficient liquidity may place Wintrust Financial in a safe position in the face of adverse headwinds.

Simply Wall St -

What Should We Expect From Wintrust Financial Corporation's (NASDAQ:WTFC) Earnings In The Next 12 Months?

Want to participate in a short research study? … Help shape the future of investing tools and you could win a $250 gift card! … On 31 December 2018, Wintrust Financial Corporation (NASDAQ:WTFC) announced its earnings update.

Simply Wall St -

Intrinsic Calculation For Wintrust Financial Corporation (NASDAQ:WTFC) Shows Investors Are Overpaying

Pricing WTFC, a financial stock, can be difficult since these banks have cash flows that are affected by regulations that are not imposed upon other sectors. … For example, banks are required to hold more capital to reduce the risk to depositors.

Simply Wall St -

Read This Before You Buy Wintrust Financial Corporation (NASDAQ:WTFC) Because Of Its P/E Ratio

We'll look at Wintrust Financial Corporation's (NASDAQ:WTFC) P/E ratio and reflect on what it tells us about the company's share price. … Based on the last twelve months, Wintrust Financial's P/E ratio is 11.39. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

Simply Wall St -

Is Now The Time To Look At Buying Wintrust Financial Corporation (NASDAQ:WTFC)?

Wintrust Financial Corporation (NASDAQ:WTFC), operating in the financial services industry based in United States,. … saw significant share price movement during recent months on the NasdaqGS, rising to highs of $90.75 and falling to the lows of $67.45. … Let’s take a look at Wintrust Financial’s outlook and value based on the most recent financial data to see if there are any catalysts for a price change

Simply Wall St -

Wintrust Financial Corporation (NASDAQ:WTFC) Insiders Have Been Selling

So shareholders might well want to know whether insiders have been buying or selling shares in Wintrust Financial Corporation (NASDAQ:WTFC). … Wintrust Financial Insider Transactions Over The Last Year. … Over the last year we saw more insider selling of Wintrust Financial shares, than buying.

Simply Wall St -

Company Info

Description

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, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine (ATM), Internet banking, and other services. It also engages in the origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and cash management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional customers. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange services, securities brokerage, and retirement plan services. As of December 31, 2018, the company had approximately 167 banking facilities and 222 ATMs. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

Details
Name: Wintrust Financial Corporation
WTFC
Exchange: NasdaqGS
Founded: 1991
$4,348,739,963
56,638,968
Website: http://www.wintrust.com
Address: Wintrust Financial Corporation
9700 West Higgins Road,
Suite 800,
Rosemont,
Illinois, 60018,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS WTFC Common Stock Nasdaq Global Select US USD 23. Sep 1996
DB WF2 Common Stock Deutsche Boerse AG DE EUR 23. Sep 1996
NasdaqGS WTFC.M PFD-D FIX/FLT Nasdaq Global Select US USD 24. Jun 2015
Number of employees
Current staff
Staff numbers
4,727
Wintrust Financial employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/23 23:47
End of day share price update: 2019/04/23 00:00
Last estimates confirmation: 2019/04/23
Last earnings filing: 2019/04/15
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.