(WTFC) Wintrust Financial - Overview
Stock: Banking, Lending, Insurance, Leasing, Advisory
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.96% |
| Yield on Cost 5y | 3.35% |
| Yield CAGR 5y | 12.69% |
| Payout Consistency | 97.0% |
| Payout Ratio | 17.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 28.1% |
| Relative Tail Risk | -8.95% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.73 |
| Alpha | 9.43 |
| Character TTM | |
|---|---|
| Beta | 1.163 |
| Beta Downside | 1.382 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.75% |
| CAGR/Max DD | 0.64 |
Description: WTFC Wintrust Financial January 06, 2026
Wintrust Financial Corporation (NASDAQ:WTFC) is a U.S.-based financial holding company that delivers community-focused banking, specialty finance, and wealth-management services through three distinct operating segments.
The Community Banking segment provides a full suite of deposit products (including non-interest-bearing accounts and time deposits), a range of loan offerings (home equity, consumer, real-estate, and asset-based lending for middle-market firms), and digital banking channels. It also originates residential mortgages and serves condominium and homeowner associations, as well as niche borrowers such as restaurant franchisees and SBA loan customers.
The Specialty Finance segment finances commercial and life-insurance premiums, offers accounts-receivable and payroll processing solutions to the temporary-staffing industry, and delivers equipment-leasing and property-casualty premium financing through structured loan and lease products.
The Wealth Management segment focuses on trust and investment services, tax-deferred like-kind exchanges, asset management, and securities brokerage for high-net-worth individuals and families.
From a recent earnings release (Q2 2024), WTFC reported a loan portfolio of roughly $15 billion, a net interest margin of 3.5%, and an efficiency ratio of 58%, yielding a return on equity near 11%-metrics that compare favorably to the broader regional-bank peer group, which is grappling with deposit outflows amid a high-rate environment.
Key economic drivers for WTFC include the Federal Reserve’s interest-rate policy (which influences both loan pricing and deposit costs), regional housing market dynamics that affect mortgage origination volumes, and commercial-real-estate stress that can impact loan-loss provisions for its commercial lending book.
For a deeper dive into WTFC’s valuation metrics and scenario analysis, you might explore the ValueRay platform.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 823.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.99 > 1.0 |
| NWC/Revenue: -987.4% < 20% (prev -1103 %; Δ 115.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.15b > Net Income 823.8m |
| Net Debt (4.01b) to EBITDA (1.21b): 3.32 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (67.6m) vs 12m ago -0.11% < -2% |
| Gross Margin: 62.19% > 18% (prev 0.59%; Δ 6159 % > 0.5%) |
| Asset Turnover: 6.22% > 50% (prev 6.11%; Δ 0.11% > 0%) |
| Interest Coverage Ratio: 0.54 > 6 (EBITDA TTM 1.21b / Interest Expense TTM 1.50b) |
Altman Z'' -3.49
| A: -0.59 (Total Current Assets 6.70b - Total Current Liabilities 48.47b) / Total Assets 71.14b |
| B: 0.06 (Retained Earnings 4.54b / Total Assets 71.14b) |
| C: 0.01 (EBIT TTM 816.2m / Avg Total Assets 68.01b) |
| D: 0.07 (Book Value of Equity 4.31b / Total Liabilities 63.88b) |
| Altman-Z'' Score: -3.49 = D |
What is the price of WTFC shares?
Over the past week, the price has changed by +9.78%, over one month by +9.68%, over three months by +25.83% and over the past year by +24.94%.
Is WTFC a buy, sell or hold?
- StrongBuy: 8
- Buy: 3
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the WTFC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 171.4 | 6.2% |
| Analysts Target Price | 171.4 | 6.2% |
| ValueRay Target Price | 193.3 | 19.8% |
WTFC Fundamental Data Overview February 01, 2026
P/E Forward = 12.1951
P/S = 3.7586
P/B = 1.4495
P/EG = 4.57
Revenue TTM = 4.23b USD
EBIT TTM = 816.2m USD
EBITDA TTM = 1.21b USD
Long Term Debt = 4.28b USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 4.48b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.01b USD (from netDebt column, last quarter)
Enterprise Value = 7.66b USD (9.88b + Debt 4.48b - CCE 6.70b)
Interest Coverage Ratio = 0.54 (Ebit TTM 816.2m / Interest Expense TTM 1.50b)
EV/FCF = 6.73x (Enterprise Value 7.66b / FCF TTM 1.14b)
FCF Yield = 14.86% (FCF TTM 1.14b / Enterprise Value 7.66b)
FCF Margin = 26.88% (FCF TTM 1.14b / Revenue TTM 4.23b)
Net Margin = 19.48% (Net Income TTM 823.8m / Revenue TTM 4.23b)
Gross Margin = 62.19% ((Revenue TTM 4.23b - Cost of Revenue TTM 1.60b) / Revenue TTM)
Gross Margin QoQ = 63.19% (prev 61.76%)
Tobins Q-Ratio = 0.11 (Enterprise Value 7.66b / Total Assets 71.14b)
Interest Expense / Debt = 8.31% (Interest Expense 372.5m / Debt 4.48b)
Taxrate = 26.21% (79.2m / 302.2m)
NOPAT = 602.3m (EBIT 816.2m * (1 - 26.21%))
Current Ratio = 0.14 (Total Current Assets 6.70b / Total Current Liabilities 48.47b)
Debt / Equity = 0.62 (Debt 4.48b / totalStockholderEquity, last quarter 7.26b)
Debt / EBITDA = 3.32 (Net Debt 4.01b / EBITDA 1.21b)
Debt / FCF = 3.53 (Net Debt 4.01b / FCF TTM 1.14b)
Total Stockholder Equity = 7.03b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.21% (Net Income 823.8m / Total Assets 71.14b)
RoE = 11.71% (Net Income TTM 823.8m / Total Stockholder Equity 7.03b)
RoCE = 7.21% (EBIT 816.2m / Capital Employed (Equity 7.03b + L.T.Debt 4.28b))
RoIC = 5.64% (NOPAT 602.3m / Invested Capital 10.68b)
WACC = 8.93% (E(9.88b)/V(14.36b) * Re(10.20%) + D(4.48b)/V(14.36b) * Rd(8.31%) * (1-Tc(0.26)))
Discount Rate = 10.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 4.12%
[DCF Debug] Terminal Value 70.32% ; FCFF base≈840.3m ; Y1≈662.7m ; Y5≈436.3m
Fair Price DCF = 43.15 (EV 6.90b - Net Debt 4.01b = Equity 2.89b / Shares 67.0m; r=8.93% [WACC]; 5y FCF grow -25.23% → 2.90% )
EPS Correlation: 66.81 | EPS CAGR: 11.85% | SUE: 0.71 | # QB: 0
Revenue Correlation: 91.99 | Revenue CAGR: 23.60% | SUE: 3.82 | # QB: 3
EPS next Quarter (2026-03-31): EPS=2.96 | Chg30d=+0.113 | Revisions Net=+12 | Analysts=14
EPS current Year (2026-12-31): EPS=12.35 | Chg30d=+0.424 | Revisions Net=+11 | Growth EPS=+5.7% | Growth Revenue=+7.6%
EPS next Year (2027-12-31): EPS=13.37 | Chg30d=+0.342 | Revisions Net=+8 | Growth EPS=+8.3% | Growth Revenue=+6.3%