Wintrust Financial Corp

Finance
Major Banks
www.wintrust.com

Earnings Score
Moat Score
Safety Score
Final Score

Market Cap $8.58B
PE 14
Debt $0.00
Cash $731.13M
EV $7.85B
FCF $395.02M

Earnings

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Sales & Net Margins

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Earnings	$605.20M
EBIT	$859.25M
ROE	9%
ROA	1%
FCF	$395.02M
Equity	$6.40B
Growth Stability	88%
PE	14.18
PEG	0.72
PB	1.34
P/FCF	21.72
P/S	25.88
Price/Cash	0.09
Debt/Equity	0
Debt/FCF	0
Net Margins	27%
Op. Margins	259%
Earnings CAGR	16%
Sales Growth YoY	7%
Sales Growth QoQ	4%
Sales CAGR	6%
FCF CAGR	12%
Equity CAGR	11%
Earnings Stability	0.9
Earnings Growth YoY	4%
Earnings Growth QoQ	12%

Earnings CAGR 5Y	20%
Sales CAGR 5Y	12%
FCF CAGR 5Y	32%
Equity CAGR 5Y	10%
Earnings CAGR 3Y	13%
Sales CAGR 3Y	13%
FCF CAGR 3Y	-32%
Equity CAGR 3Y	11%
Market Cap	$8.58B
Revenue	$331.54M
Dividend Yield	2%
Payout Ratio	23%
Assets	$63.79B
Total Debt	$0.00
Cash	$731.13M
Shares Outstanding	62.74M
EV	7.85B
Earnings Score	94%
Moat Score	67%
Safety Score	97%
Final Score	86%
Shares Growth 3y	4%
Equity Growth QoQ	16%
Equity Growth YoY	28%

Assets & ROA

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Stockholders Equity & ROE

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Wintrust Financial Corp is a financial holding company operating in the Chicago metropolitan area and southern Wisconsin through its wholly-owned banking subsidiaries. Wintrust conducts its business through three segments: community banking, specialty finance, and wealth management. Among other services, the company provides community-oriented, personal, and commercial banking, as well as the origination and purchase of residential mortgages for sale into the secondary market. A majority of its banks are banks chartered by the state of Illinois with scores of locations. The company has historically grown through both de novo organization and acquisitions. A majority of its loan portfolio is commercial, mostly in real estate. A majority of Wintrust's net revenue is net interest income.

SEC Filings

Direct access to Wintrust Financial Corp (WTFC) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Wintrust Financial Corp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Wintrust Financial Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 16%

Stability 90%

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Wintrust Financial Corp Discounted Cash Flow

Fully customizable DCF calculator online for Wintrust Financial Corp.

Years

Calculation mode

= $8.8B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$395M	$441M	$492M	$549M	$613M	$684M	$763M	$852M	$951M	$1.1B	$1.2B	$12B
DCF		$401M	$407M	$413M	$419M	$425M	$431M	$437M	$443M	$450M	$456M	$4.6B
Value	$8.8B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	178%	220%	215%	160%	212%	221%	270%	27%
ROA	-	1%	2%	2%	2%	2%	1%	1%	1%	2%	1%
ROE	-	6%	7%	8%	10%	9%	7%	10%	10%	11%	9%

Good Net Margins (26.97%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-11.6	0.22	0.05	0.16	0.11	-0.02	0.01	0.01	0.02	0
Debt over Equity	0.02	0.03	0.02	0.01	0.02	0.01	0	0	0	0	0
Growth Stability	-	-	-	100%	100%	100%	88%	100%	100%	100%	88%

Good Debt/FCF ratio (0)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0)

The company is not overleveraged and has a good balance between equity and debt.

Neutral Graham’s Stability (88%)

The company has a stability in its earnings that is not too good nor too bad.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	10%	6%	5%	22%	5%	1%	12%
Earnings YoY growth	-	1%	32%	29%	35%	4%	-22%	61%	10%	23%	20%
Equity YoY growth	-	14%	15%	10%	10%	13%	12%	9%	7%	13%	10%
FCF YoY growth	-	-103%	-5K%	24%	-10%	-40%	-416%	-284%	23%	-47%	32%