Wintrust Financial Corporation (WTFC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 1,644 | 1,711 | 1,956 | 2,272 | 2,451 | 2,726 | 2,864 | - |
| Operating profit | $m | 1,118 | 1,227 | ||||||
| Net profit | $m | 293 | 466 | 510 | 623 | 695 | 824 | 900 | 897 |
| EPS reported | $ | 11.56 | 12.61 | ||||||
| Operating cashflow per share | $ | 13.59 | 24.38 | ||||||
| Capex per share | $ | 0.75 | 0.68 | ||||||
| FCF per share | $ | 12.85 | 23.69 | ||||||
| Free cash flow | $m | 860 | 1,598 | ||||||
| Net debt | $m | -2,223 | -10,648 | ||||||
| Book value equity | $m | 7,259 | 7,525 | ||||||
| Book value per share | $ | 107.3 | 110.5 | ||||||
| Number of shares | m | 67.65 | 68.1 | ||||||
| DPS (TTM paid) | $ | 2.00 | 2.15 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.10 | 11.59 | ||||||
| P/B LTM | x | 1.29 | 1.24 | ||||||
| P/S LTM | x | 3.43 | 3.27 | ||||||
| P/FCF LTM | x | 10.88 | 5.86 | ||||||
| EV/EBITDA LTM | x | 11.08 | 10.17 | ||||||
| EV/Sales LTM | x | 3.16 | 2.51 | ||||||
| Earnings Yield LTM | % | +8.26% | +8.63% | ||||||
| FCF Yield | % | +9.19% | +17.06% | ||||||
| Quality | |||||||||
| ROE | % | +11.35% | +12.33% | ||||||
| ROIC | % | +3.63% | +6.71% | ||||||
| Operating margin | % | +26.44% | +28.24% | ||||||
| Gross margin | % | +62.19% | +63.55% | ||||||
| FCF/Sales | % | +20.34% | +36.76% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +12.12% | +22.31% | ||||||
| Sales Growth YoY | % | +11.23% | +16.85% | ||||||
| Net Income Growth YoY | % | +18.53% | +29.54% | ||||||
| FCF Growth | % | +35.38% | +151.37% | ||||||
| Operating Profit Growth | % | +18.09% | +29.59% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.81% | +1.35% | ||||||
| Dividend Growth | % | +11.11% | +19.44% | ||||||
| Payout Ratio | % | +21.66% | +20.97% | ||||||
| FCF/Debt | x | 0.19 | 0.37 | ||||||
| Net Debt/EBITDA | x | 3.33 | 0.16 | ||||||
| EBIT/Net interest | x | 0.74 | 0.83 | ||||||
| Net debt/market cap | % | +47.86% | +40.81% | ||||||
| Net debt/Equity | x | -0.31 | -1.41 | ||||||
| Gross debt/equity | x | 0.62 | 0.58 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers a comprehensive array of financial products and services. This includes various deposit accounts, such as non-interest-bearing, interest-bearing transaction, savings, and domestic time deposits. On the lending side, it provides home equity loans, consumer loans, and real estate financing. Customers also have access to essential banking services like safe deposit facilities, ATMs, online banking, and mobile banking. Beyond standard offerings, this segment is actively involved in originating and acquiring residential mortgages for sale in the secondary market. It extends specialized lending, deposit, and treasury management solutions to condominium, homeowner, and community associations, alongside offering asset-based financing for middle-market enterprises. Further niche services encompass loan and deposit facilities for mortgage brokerage firms, financing for restaurant franchisees, direct leasing, Small Business Administration (SBA) loans, commercial mortgages, and construction loans, all forming part of its broader financial solutions. Its client base is diverse, ranging from individuals and small to mid-sized businesses to local governmental units and institutional clients, for whom it provides both personal and commercial banking. The Specialty Finance segment delivers targeted financial services, including the financing of commercial and life insurance premiums for both corporate and individual clients. It also handles accounts receivable financing, provides value-added administrative services, and offers outsourced solutions such as payroll processing, billing, and cash management tailored specifically for the temporary staffing industry. This segment rounds out its offerings with other specialized financial products. The Wealth Management segment is dedicated to assisting clients with a full suite of services, including trust and investment management, comprehensive asset management, tax-deferred exchange facilitation, securities brokerage, and retirement plan services. Wintrust maintains a significant physical presence, operating 173 banking facilities and 228 ATMs. Its geographic footprint covers the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. The company, established in 1991, is headquartered in Rosemont, Illinois.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Wintrust Financial Corporation (WTFC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers a comprehensive array of financial products and services. This includes various deposit accounts, such as non-interest-bearing, interest-bearing transaction, savings, and domestic time deposits. On the lending side, it provides home equity loans, consumer loans, and real estate financing. Customers also have access to essential banking services like safe deposit facilities, ATMs, online banking, and mobile banking. Beyond standard offerings, this segment is actively involved in originating and acquiring residential mortgages for sale in the secondary market. It extends specialized lending, deposit, and treasury management solutions to condominium, homeowner, and community associations, alongside offering asset-based financing for middle-market enterprises. Further niche services encompass loan and deposit facilities for mortgage brokerage firms, financing for restaurant franchisees, direct leasing, Small Business Administration (SBA) loans, commercial mortgages, and construction loans, all forming part of its broader financial solutions. Its client base is diverse, ranging from individuals and small to mid-sized businesses to local governmental units and institutional clients, for whom it provides both personal and commercial banking. The Specialty Finance segment delivers targeted financial services, including the financing of commercial and life insurance premiums for both corporate and individual clients. It also handles accounts receivable financing, provides value-added administrative services, and offers outsourced solutions such as payroll processing, billing, and cash management tailored specifically for the temporary staffing industry. This segment rounds out its offerings with other specialized financial products. The Wealth Management segment is dedicated to assisting clients with a full suite of services, including trust and investment management, comprehensive asset management, tax-deferred exchange facilitation, securities brokerage, and retirement plan services. Wintrust maintains a significant physical presence, operating 173 banking facilities and 228 ATMs. Its geographic footprint covers the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. The company, established in 1991, is headquartered in Rosemont, Illinois.
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