Wintrust Financial Corporation

NasdaqGS:WTFC Stock Report

Market Cap: US$8.8b

Wintrust Financial Valuation

Is WTFC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of WTFC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: WTFC ($131.76) is trading below our estimate of fair value ($235.55)

Significantly Below Fair Value: WTFC is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for WTFC?

Key metric: As WTFC is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for WTFC. This is calculated by dividing WTFC's market cap by their current earnings.
What is WTFC's PE Ratio?
PE Ratio14.5x
EarningsUS$605.20m
Market CapUS$8.76b

Price to Earnings Ratio vs Peers

How does WTFC's PE Ratio compare to its peers?

The above table shows the PE ratio for WTFC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average18.3x
CFR Cullen/Frost Bankers
17.3x1.4%US$8.9b
PNFP Pinnacle Financial Partners
23.5x23.6%US$9.5b
WAL Western Alliance Bancorporation
14x22.7%US$9.9b
CBSH Commerce Bancshares
18.5x0.3%US$9.2b
WTFC Wintrust Financial
14.5x6.7%US$8.8b

Price-To-Earnings vs Peers: WTFC is good value based on its Price-To-Earnings Ratio (14.5x) compared to the peer average (18.3x).

Price to Earnings Ratio vs Industry

How does WTFC's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
WTFC 14.5xIndustry Avg. 12.9xNo. of Companies80PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: WTFC is expensive based on its Price-To-Earnings Ratio (14.5x) compared to the US Banks industry average (12.9x).

Price to Earnings Ratio vs Fair Ratio

What is WTFC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

WTFC PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio14.5x
Fair PE Ratio14.7x

Price-To-Earnings vs Fair Ratio: WTFC is good value based on its Price-To-Earnings Ratio (14.5x) compared to the estimated Fair Price-To-Earnings Ratio (14.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst WTFC forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$131.76
US$131.82
+0.04%
4.7%US$142.00US$120.00n/a11
Nov ’25US$114.39
US$128.42
+12.3%
4.0%US$136.00US$120.00n/a12
Oct ’25US$104.57
US$122.00
+16.7%
5.4%US$131.00US$110.00n/a12
Sep ’25US$108.80
US$121.54
+11.7%
5.1%US$131.00US$110.00n/a13
Aug ’25US$105.09
US$121.69
+15.8%
4.7%US$131.00US$110.00n/a13
Jul ’25US$99.47
US$114.08
+14.7%
5.9%US$130.00US$100.00n/a13
Jun ’25US$98.61
US$115.83
+17.5%
4.6%US$130.00US$108.00n/a12
May ’25US$98.12
US$115.83
+18.1%
4.6%US$130.00US$108.00n/a12
Apr ’25US$103.07
US$114.33
+10.9%
6.3%US$135.00US$106.00n/a12
Mar ’25US$97.04
US$110.58
+14.0%
2.6%US$115.00US$105.00n/a12
Feb ’25US$93.72
US$110.58
+18.0%
2.6%US$115.00US$105.00n/a12
Jan ’25US$92.75
US$100.00
+7.8%
8.7%US$112.00US$84.00n/a12
Dec ’24US$89.37
US$93.46
+4.6%
4.5%US$101.00US$84.00n/a12
Nov ’24US$74.79
US$92.54
+23.7%
4.0%US$97.50US$84.00US$114.3912
Oct ’24US$75.50
US$93.50
+23.8%
5.2%US$100.00US$84.00US$104.5712
Sep ’24US$79.56
US$95.92
+20.6%
4.1%US$101.00US$88.00US$108.8012
Aug ’24US$83.44
US$95.50
+14.5%
3.9%US$101.00US$88.00US$105.0912
Jul ’24US$72.62
US$86.75
+19.5%
7.2%US$95.00US$75.00US$99.4712
Jun ’24US$65.38
US$86.92
+32.9%
7.1%US$95.00US$75.00US$98.6112
May ’24US$67.33
US$86.92
+29.1%
7.1%US$95.00US$75.00US$98.1212
Apr ’24US$72.95
US$99.25
+36.1%
13.5%US$124.00US$81.00US$103.0712
Mar ’24US$92.17
US$109.27
+18.6%
5.3%US$124.00US$101.00US$97.0411
Feb ’24US$92.94
US$109.27
+17.6%
5.3%US$124.00US$101.00US$93.7211
Jan ’24US$84.52
US$110.25
+30.4%
5.6%US$120.00US$100.00US$92.7512
Dec ’23US$91.09
US$111.83
+22.8%
5.6%US$121.00US$100.00US$89.3712
Nov ’23US$94.32
US$111.50
+18.2%
6.2%US$121.00US$96.00US$74.7912

Analyst Forecast: Target price is less than 20% higher than the current share price.

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