Wintrust Financial
Market Cap
US$4.1b
Last Updated
2021/02/24 23:16 UTC
Data Sources
Company Financials +
Executive Summary
Wintrust Financial Corporation operates as a financial holding company in the Chicago metropolitan area, southern Wisconsin, and northwest Indiana. More Details
Rewards
Risk Analysis
No risks detected for WTFC from our risk checks.
Snowflake Analysis
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
Stable Share Price: WTFC is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: WTFC's weekly volatility has decreased from 11% to 5% over the past year.
Market Performance
7 Day Return
8.7%
WTFC
6.3%
US Banks
-1.4%
US Market
1 Year Return
30.1%
WTFC
16.5%
US Banks
37.1%
US Market
Return vs Industry: WTFC exceeded the US Banks industry which returned 12.4% over the past year.
Return vs Market: WTFC underperformed the US Market which returned 34.1% over the past year.
Shareholder returns
| WTFC | Industry | Market | |
|---|---|---|---|
| 7 Day | 8.7% | 6.3% | -1.4% |
| 30 Day | 15.4% | 16.0% | 1.6% |
| 90 Day | 28.2% | 27.2% | 7.3% |
| 1 Year | 33.2%30.1% | 20.8%16.5% | 40.2%37.1% |
| 3 Year | -6.4%-10.9% | 16.4%6.5% | 62.5%52.1% |
| 5 Year | 80.1%68.6% | 104.0%78.2% | 133.9%108.0% |
Long-Term 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
2 months ago | Simply Wall St
You Have To Love Wintrust Financial Corporation's (NASDAQ:WTFC) Dividend3 months ago | Simply Wall St
How Many Wintrust Financial Corporation (NASDAQ:WTFC) Shares Did Insiders Buy, In The Last Year?3 months ago | Simply Wall St
Wintrust Financial Corporation Just Beat EPS By 49%: Here's What Analysts Think Will Happen NextValuation
Is Wintrust Financial undervalued compared to its fair value and its price relative to the market?
15.94x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: WTFC ($75.28) is trading above our estimate of fair value ($60.73)
Significantly Below Fair Value: WTFC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: WTFC is poor value based on its PE Ratio (15.9x) compared to the US Banks industry average (12.4x).
PE vs Market: WTFC is good value based on its PE Ratio (15.9x) compared to the US market (21.5x).
Price to Earnings Growth Ratio
PEG Ratio: WTFC is poor value based on its PEG Ratio (4.3x)
Price to Book Ratio
PB vs Industry: WTFC is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1x).
Next Steps
Future Growth
How is Wintrust Financial forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?
3.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: WTFC's forecast earnings growth (3.7% per year) is above the savings rate (2%).
Earnings vs Market: WTFC's earnings (3.7% per year) are forecast to grow slower than the US market (20.4% per year).
High Growth Earnings: WTFC's earnings are forecast to grow, but not significantly.
Revenue vs Market: WTFC's revenue (5.4% per year) is forecast to grow slower than the US market (10.5% per year).
High Growth Revenue: WTFC's revenue (5.4% 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 (7.1%).
Next Steps
Past Performance
How has Wintrust Financial performed over the past 5 years?
13.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: WTFC has high quality earnings.
Growing Profit Margin: WTFC's current net profit margins (19%) are lower than last year (24.7%).
Past Earnings Growth Analysis
Earnings Trend: WTFC's earnings have grown by 13.5% per year over the past 5 years.
Accelerating Growth: WTFC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: WTFC had negative earnings growth (-21.8%) over the past year, making it difficult to compare to the Banks industry average (0.5%).
Return on Equity
High ROE: WTFC's Return on Equity (7.1%) is considered low.
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
Financial Institutions Analysis
Asset Level: WTFC's Assets to Equity ratio (11x) is moderate.
Allowance for Bad Loans: WTFC has a sufficient allowance for bad loans (250%).
Low Risk Liabilities: 91% of WTFC's liabilities are made up of primarily low risk sources of funding.
Loan Level: WTFC has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: WTFC's Loans to Deposits ratio (86%) is appropriate.
Level of Bad Loans: WTFC has an appropriate level of bad loans (0.4%).
Next Steps
Dividend
What is Wintrust Financial current dividend yield, its reliability and sustainability?
1.65%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: WTFC's dividend (1.65%) is higher than the bottom 25% of dividend payers in the US market (1.34%).
High Dividend: WTFC's dividend (1.65%) is low compared to the top 25% of dividend payers in the US market (3.75%).
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 (23.7%), 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 (25.9% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
7.1yrs
Average management tenure
CEO
Ed Wehmer (66 yo)
22.75yrs
Tenure
US$5,140,088
Compensation
Mr. Edward Joseph Wehmer, also known as Ed, is Founder, CHief Executive Officer and Director at Wintrust Financial Corporation since February 02, 2020. He had been the President at Wintrust Financial Corpo...
CEO Compensation Analysis
Compensation vs Market: Ed's total compensation ($USD5.14M) is about average for companies of similar size in the US market ($USD4.96M).
Compensation vs Earnings: Ed's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Founder | 22.75yrs | US$5.14m | 0.26% $ 10.6m | |
| President | 1yr | US$1.28m | 0.040% $ 1.6m | |
| Executive VP & CFO | 18.33yrs | US$1.26m | 0.022% $ 897.4k | |
| Vice Chairman & COO | 19.08yrs | US$2.09m | 0.27% $ 11.0m | |
| Vice Chairman & Chief Lending Officer | 1yr | US$1.53m | 0.058% $ 2.4m | |
| Executive VP & Chief Information Officer | 3yrs | no data | no data | |
| Executive VP | no data | no data | 0.018% $ 747.9k | |
| Senior VP & Chief Marketing Officer | no data | no data | no data | |
| Senior VP & Chief Human Resources Officer | 0.67yr | no data | no data | |
| Executive VP & Market Head of Wealth Management Services | 14.67yrs | no data | 0.072% $ 3.0m | |
| Executive VP & Regional Market Head | no data | no data | 0.017% $ 688.1k | |
| Executive VP & Regional Market Head | 7.08yrs | no data | 0.025% $ 1.0m |
7.1yrs
Average Tenure
59yo
Average Age
Experienced Management: WTFC's management team is seasoned and experienced (7.1 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Founder | 22.75yrs | US$5.14m | 0.26% $ 10.6m | |
| Independent Director | 11.75yrs | US$178.02k | 0.050% $ 2.1m | |
| Independent Director | 4yrs | US$143.74k | 0.014% $ 597.3k | |
| Independent Director | 23.08yrs | US$204.08k | 0.069% $ 2.9m | |
| Independent Director | 22.75yrs | US$194.83k | 0.042% $ 1.7m | |
| Independent Director | 25.08yrs | US$223.25k | 0.10% $ 4.2m | |
| Independent Director | 0.75yr | no data | 0.0048% $ 196.9k | |
| Independent Director | 12.75yrs | US$200.90k | 0.038% $ 1.6m | |
| Independent Director | 5.75yrs | US$154.30k | 0.011% $ 467.7k | |
| Independent Chairman of the Board | 4.08yrs | US$193.09k | 0.062% $ 2.5m | |
| Independent Director | 5.75yrs | US$157.27k | 0.023% $ 953.5k | |
| Independent Director | 1.75yrs | US$93.06k | 0.013% $ 555.2k |
8.8yrs
Average Tenure
66yo
Average Age
Experienced Board: WTFC's board of directors are considered experienced (8.8 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Wintrust Financial Corporation's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Wintrust Financial Corporation
- Ticker: WTFC
- Exchange: NasdaqGS
- Founded: 1991
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$4.128b
- Shares outstanding: 56.77m
- Website: https://www.wintrust.com
Number of Employees
Location
- Wintrust Financial Corporation
- 9700 West Higgins Road
- Suite 800
- Rosemont
- Illinois
- 60018
- United States
Listings
| 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 | |
| WTFC.P | NasdaqGS (Nasdaq Global Select) | 6.875 DP SH PF E | US | USD | May 2020 |
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/02/24 23:16 |
| End of Day Share Price | 2021/02/24 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.