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Wintrust Financial Corporation
WTFC: NasdaqGSLowest reading is at 41 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Timothy S. Crane
Market Cap
9.72 Billion USD
Sector
Financial Services
Website
https://www.wintrust.comLast Update
15/10/2026, 01:06:20
Description
Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States.
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Strongest readings
- ✔Dividend growth averages 15.07% per year
- ✔Dividend cover is strong (dividend score 77 out of 100)
- ✔Price-to-earnings of 11.0 is below the market average of 19.6
- ✔Financial health is strong (health score 66 out of 100)
- ✔Debt is low at 0.62 times equity
Weakest readings
- ✘Share count has been rising at 3.07% per year
- ✘The current price sits above estimated fair value (margin of safety -20.65%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 11.02x | 19.60x | |
| ✘ | Margin of safety (DCF) | -20.65% | 17.95% | |
| ✘ | Revenue growth (5y average) | 5.94% | 10.97% | |
| ✔ | Dividend yield (TTM) | 1.89% | 1.85% | |
| ✘ | Share count, per year | 3.07% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
87 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 11.02x | 19.60x | |
| ✔ | Free cashflow yield | 16.59% | 4.70% | |
| ✔ | Price / earnings growth | 1.05x | 1.50x | |
| Price / book | 1.26x | — | ||
| ✘ | Margin of safety | -20.65% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 111.54 USD is below the current price of 144.08 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 279.9 USD ✔
Current Price: 140.6 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
41 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 5.94% | 10.97% | |
| ✘ | Earnings growth | 10.51% | 14.48% | |
| ✘ | Cashflow growth | 7.06% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Revenue growth has slowed this year (-59.78% against a five year average of 5.94%)
- ✔Earnings growth has improved this year (16.26% against a five year average of 10.51%)
Health
66 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.62x | 0.80x | |
| ✔ | Debt / total capital | 0.38x | 1.00x | |
| Equity / assets | 10.20% | — | ||
| Loans / deposits | 0.92x | — | ||
| Net interest margin | 3.13% | — | ||
| Loan-loss cover | 0.87% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
77 / 100Covered by both earnings and cashflow.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 1.89% | 1.85% | |
| ✔ | Dividend growth | 18.25% | 0.00% | |
| ✔ | Payout ratio (earnings) | 19.93% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 11.41% | 65.00% | |
| ✔ | Worst year, last 5 years | 5.62% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
Management
58 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 11.35% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 1.16% | — | ||
| Free cashflow return on capital | 1.21% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 3.07% | 0.00% | |
| ✘ | Share count, recent | 0.85% | 0.00% | |
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.02% | 2.00% | |
| Price volatility, 5 year | 31.22% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘New shares were issued while the value score was 87 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
WTFC
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Wintrust Financial Corporation
Currency
USD
Beta
0.833
Vol Avg
555687
Ceo
Mr. Timothy S. Crane
Cik
0001015328
Cusip
Exchange
NasdaqGS
Full Time Employees
5902
Industry
Banks - Regional
Sector
Financial Services
Ipo Date
Address
9700 W. Higgins Road
City
Rosemont
State
IL
Country
United States
Zip
60018
Phone
(847) 939-9000
Analysis Last Updated
15/10/2026, 01:06:20
Financial data compiled from SEC EDGAR filings and Yahoo Finance.