Wintrust Financial Corporation

NasdaqGS:WTFC Stock Report

Mkt Cap: US$5.5b

We’ve recently updated our valuation analysis.

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

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

WTFC key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.8x

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.
CompanyPEEstimated GrowthMarket Cap
Peer Average12.1x
UBSI United Bankshares
13.9x1.8%US$5.3b
GBCI Glacier Bancorp
16.6x7.1%US$5.0b
OZK Bank OZK
9.6x10.5%US$5.3b
SNV Synovus Financial
8.3x2.9%US$6.0b
WTFC Wintrust Financial
11.4x14.1%US$5.5b

Price-To-Earnings vs Peers: WTFC is good value based on its Price-To-Earnings Ratio (11.4x) compared to the peer average (12.1x).


Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a6.1%
n/an/an/a

Price-To-Earnings vs Industry: WTFC is expensive based on its Price-To-Earnings Ratio (11.4x) compared to the US Banks industry average (9.6x)


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 Ratio11.4x
Fair PE Ratio12.1x

Price-To-Earnings vs Fair Ratio: WTFC is good value based on its Price-To-Earnings Ratio (11.4x) compared to the estimated Fair Price-To-Earnings Ratio (12.1x).


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 ($90.5) is trading below our estimate of fair value ($174.08)

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


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$90.50
US$107.90
+19.2%
6.9%US$124.00US$95.00n/a10
Jan ’24US$84.52
US$110.25
+30.4%
5.6%US$120.00US$100.00n/a12
Dec ’23US$91.09
US$111.83
+22.8%
5.6%US$121.00US$100.00n/a12
Nov ’23US$94.32
US$111.50
+18.2%
6.2%US$121.00US$96.00n/a12
Oct ’23US$81.55
US$105.83
+29.8%
8.8%US$125.00US$94.00n/a12
Sep ’23US$84.21
US$106.25
+26.2%
8.6%US$125.00US$94.00n/a12
Aug ’23US$86.74
US$106.25
+22.5%
8.6%US$125.00US$94.00n/a12
Jul ’23US$81.32
US$110.67
+36.1%
8.9%US$125.00US$94.00n/a12
Jun ’23US$86.71
US$116.75
+34.6%
6.5%US$130.00US$104.00n/a12
May ’23US$87.32
US$116.75
+33.7%
6.5%US$130.00US$104.00n/a12
Apr ’23US$92.10
US$115.42
+25.3%
8.5%US$125.00US$95.00n/a12
Mar ’23US$92.32
US$117.00
+26.7%
6.2%US$127.00US$102.00n/a12
Feb ’23US$99.05
US$116.33
+17.4%
7.4%US$127.00US$95.00n/a12
Jan ’23US$90.82
US$103.58
+14.1%
6.6%US$112.00US$87.00US$84.5212
Dec ’22US$86.52
US$102.42
+18.4%
6.5%US$112.00US$87.00US$91.0912
Nov ’22US$91.78
US$99.67
+8.6%
8.7%US$108.00US$74.00US$94.3212
Oct ’22US$82.26
US$85.96
+4.5%
6.5%US$95.00US$74.00US$81.5512
Sep ’22US$73.26
US$83.00
+13.3%
5.7%US$91.00US$74.00US$84.2112
Aug ’22US$71.40
US$83.25
+16.6%
5.2%US$91.00US$77.00US$86.7412
Jul ’22US$76.27
US$85.91
+12.6%
7.3%US$96.00US$77.00US$81.3211
Jun ’22US$81.89
US$85.82
+4.8%
7.4%US$96.00US$76.00US$86.7111
May ’22US$77.10
US$84.58
+9.7%
10.2%US$97.00US$67.00US$87.3212
Apr ’22US$76.12
US$80.67
+6.0%
14.1%US$97.00US$60.00US$92.1012
Mar ’22US$76.44
US$73.17
-4.3%
8.0%US$80.00US$60.00US$92.3212
Feb ’22US$61.54
US$72.00
+17.0%
7.9%US$78.00US$60.00US$99.0512
Jan ’22US$61.09
US$62.67
+2.6%
12.8%US$73.00US$40.00US$90.8212

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


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