Wintrust Financial Corporation operates as a financial holding company in the Chicago metropolitan area, southern Wisconsin, and northwest Indiana.
Flawless balance sheet, undervalued and pays a dividend.
Share Price & News
How has Wintrust Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: WTFC's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: WTFC underperformed the US Banks industry which returned -28.9% over the past year.
Return vs Market: WTFC underperformed the US Market which returned -10% over the past year.
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
4 weeks ago | Simply Wall StA Sliding Share Price Has Us Looking At Wintrust Financial Corporation's (NASDAQ:WTFC) P/E Ratio
1 month ago | Simply Wall StHow Wintrust Financial Corporation (NASDAQ:WTFC) Can Impact Your Portfolio Volatility
2 months ago | Simply Wall StWhy You Might Be Interested In Wintrust Financial Corporation (NASDAQ:WTFC) For Its Upcoming Dividend
Is Wintrust Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: WTFC ($36.43) is trading below our estimate of fair value ($70.8)
Significantly Below Fair Value: WTFC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: WTFC is good value based on its PE Ratio (6x) compared to the Banks industry average (8.7x).
PE vs Market: WTFC is good value based on its PE Ratio (6x) compared to the US market (13x).
Price to Earnings Growth Ratio
PEG Ratio: WTFC's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: WTFC is good value based on its PB Ratio (0.6x) compared to the US Banks industry average (0.8x).
How is Wintrust Financial forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: WTFC's earnings are forecast to decline over the next 3 years (-16.2% per year).
Earnings vs Market: WTFC's earnings are forecast to decline over the next 3 years (-16.2% per year).
High Growth Earnings: WTFC's earnings are forecast to decline over the next 3 years.
Revenue vs Market: WTFC's revenue (2.4% per year) is forecast to grow slower than the US market (7% per year).
High Growth Revenue: WTFC's revenue (2.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: WTFC's Return on Equity is forecast to be low in 3 years time (7.2%).
How has Wintrust Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: WTFC has high quality earnings.
Growing Profit Margin: WTFC's current net profit margins (24.7%) are lower than last year (26.1%).
Past Earnings Growth Analysis
Earnings Trend: WTFC's earnings have grown significantly by 21.1% per year over the past 5 years.
Accelerating Growth: WTFC's earnings growth over the past year (3.7%) is below its 5-year average (21.1% per year).
Earnings vs Industry: WTFC earnings growth over the past year (3.7%) underperformed the Banks industry 10.8%.
Return on Equity
High ROE: WTFC's Return on Equity (9.6%) is considered low.
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
Financial Institutions Analysis
Asset Level: WTFC's level of assets compared to its equity is low.
Allowance for Bad Loans: WTFC has a sufficient allowance for bad loans.
Low Risk Liabilities: WTFC's liabilities are made up of primarily low risk sources of funding.
Loan Level: WTFC has an acceptable proportion of non-loan assets held.
Low Risk Deposits: WTFC's loans are broadly funded by customer deposits.
Level of Bad Loans: WTFC has an appropriate level of bad loans (0.52%)
What is Wintrust Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: WTFC's dividend (3.07%) is higher than the bottom 25% of dividend payers in the US market (1.93%).
High Dividend: WTFC's dividend (3.07%) is low compared to the top 25% of dividend payers in the US market (5.46%).
Stability and Growth of Payments
Stable Dividend: WTFC's dividends per share have been stable in the past 10 years.
Growing Dividend: WTFC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (16.4%), WTFC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: WTFC's dividends in 3 years are forecast to be well covered by earnings (23.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ed Wehmer (65yo)
Mr. Edward Joseph Wehmer, also known as Ed, is Founder, CHief Executive Officer and Director at Wintrust Financial Corporation since February 02, 2020. He had been the President at Wintrust Financial Corpo ...
CEO Compensation Analysis
Compensation vs Market: Ed's total compensation ($USD4.90M) is about average for companies of similar size in the US market ($USD4.67M).
Compensation vs Earnings: Ed's compensation has been consistent with company performance over the past year.
|Executive VP & CFO||17.5yrs||US$1.22m||0.022% $466.7k|
|Vice Chairman & COO||18.25yrs||US$2.17m||0.33% $7.1m|
|Vice Chairman of Lending||0.17yr||US$1.58m||0.059% $1.3m|
|Executive VP & Chief Information Officer||2.17yrs||no data||no data|
|Chief Administrative Officer & Executive VP||no data||US$901.80k||0.028% $608.4k|
|Executive VP||no data||no data||0.018% $389.1k|
|Executive VP & Market Head of Wealth Management Services||13.83yrs||no data||0.071% $1.5m|
|Executive VP & Regional Market Head||no data||no data||0.017% $358.0k|
Experienced Management: WTFC's management team is seasoned and experienced (13.8 years average tenure).
|Independent Director||10.92yrs||US$129.40k||0.044% $945.6k|
|Independent Director||22.25yrs||US$157.14k||0.062% $1.4m|
|Independent Director||21.92yrs||US$153.22k||0.039% $851.9k|
|Independent Director||24.25yrs||US$170.96k||0.091% $2.0m|
|Independent Director||11.92yrs||US$158.96k||0.035% $758.8k|
|Independent Director||4.92yrs||US$118.30k||0.0098% $213.5k|
|Independent Chairman of the Board||3.25yrs||US$152.20k||0.061% $1.3m|
|Independent Director||4.92yrs||US$118.30k||0.017% $376.9k|
|Director||0.92yr||no data||0.0038% $82.5k|
Experienced Board: WTFC's board of directors are seasoned and experienced ( 11.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: WTFC insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Wintrust Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: Wintrust Financial Corporation
- Ticker: WTFC
- Exchange: NasdaqGS
- Founded: 1991
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$2.170b
- Shares outstanding: 57.37m
- Website: https://www.wintrust.com
Number of Employees
- Wintrust Financial Corporation
- 9700 West Higgins Road
- Suite 800
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|WTFC||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Sep 1996|
|WF2||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Sep 1996|
|WTFC.M||NasdaqGS (Nasdaq Global Select)||PFD-D FIX/FLT||US||USD||Jun 2015|
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), online and mobile 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, 2019, the company had approximately 187 banking facilities and 230 ATMs. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/09 01:49|
|End of Day Share Price||2020/04/08 00:00|
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.