(WTFC) Wintrust Financial - Ratings and Ratios
Deposits, Loans, Insurance Financing, Wealth Management, Leasing
Dividends
| Dividend Yield | 1.42% |
| Yield on Cost 5y | 3.57% |
| Yield CAGR 5y | 12.59% |
| Payout Consistency | 96.9% |
| Payout Ratio | 17.9% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 27.8% |
| Value at Risk 5%th | 41.9% |
| Relative Tail Risk | -8.40% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.24 |
| Alpha | -8.34 |
| CAGR/Max DD | 0.64 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.550 |
| Beta | 1.198 |
| Beta Downside | 1.399 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.84% |
| Mean DD | 9.94% |
| Median DD | 7.03% |
Description: WTFC Wintrust Financial November 03, 2025
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 operating segments.
The Community Banking segment provides a full suite of deposit products (non-interest-bearing and interest-bearing accounts), loan offerings (home equity, consumer, real-estate, SBA, and commercial mortgages), and digital banking channels, while also originating residential mortgages and extending asset-based financing to middle-market firms and franchisees.
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-and-casualty premium financing.
The Wealth Management segment supplies trust, investment, tax-deferred exchange, asset-management, and brokerage services to high-net-worth individuals and families.
Key recent metrics (Q3 2024): net interest margin (NIM) held at ~3.2% despite a high-rate environment, loan portfolio grew ~5% YoY, and deposits rose ~4% YoY, reflecting resilient community-bank demand. The regional-bank sector remains sensitive to Fed policy cycles and credit-quality trends, which are primary drivers of WTFC’s earnings outlook.
For a deeper, data-driven valuation framework, you may find the ValueRay platform’s detailed financial models useful.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (786.2m TTM) > 0 and > 6% of Revenue (6% = 250.2m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 1.01pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1120 % (prev -1117 %; Δ -2.89pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 1.15b > Net Income 786.2m (YES >=105%, WARN >=100%) |
| Net Debt (294.9m) to EBITDA (1.19b) ratio: 0.25 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.18 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (67.6m) change vs 12m ago 2.59% (target <= -2.0% for YES) |
| Gross Margin 61.52% (prev 58.85%; Δ 2.67pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.25% (prev 6.01%; Δ 0.24pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.70 (EBITDA TTM 1.19b / Interest Expense TTM 1.52b) >= 6 (WARN >= 3) |
Altman Z'' -4.02
| (A) -0.67 = (Total Current Assets 10.01b - Total Current Liabilities 56.71b) / Total Assets 69.63b |
| (B) 0.06 = Retained Earnings (Balance) 4.36b / Total Assets 69.63b |
| (C) 0.02 = EBIT TTM 1.07b / Avg Total Assets 66.71b |
| (D) 0.07 = Book Value of Equity 4.11b / Total Liabilities 62.58b |
| Total Rating: -4.02 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 74.81
| 1. Piotroski 4.0pt |
| 2. FCF Yield 26.05% |
| 3. FCF Margin 27.27% |
| 4. Debt/Equity 0.61 |
| 5. Debt/Ebitda 0.25 |
| 6. ROIC - WACC (= -1.86)% |
| 7. RoE 11.55% |
| 8. Rev. Trend 93.96% |
| 9. EPS Trend 70.70% |
What is the price of WTFC shares?
Over the past week, the price has changed by +2.45%, over one month by +7.96%, over three months by +4.32% and over the past year by +7.53%.
Is WTFC a buy, sell or hold?
- Strong Buy: 8
- Buy: 3
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the WTFC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 157.4 | 11.7% |
| Analysts Target Price | 157.4 | 11.7% |
| ValueRay Target Price | 165.1 | 17.2% |
WTFC Fundamental Data Overview December 11, 2025
P/E Trailing = 12.5032
P/E Forward = 11.4679
P/S = 3.5576
P/B = 1.3923
P/EG = 4.57
Beta = 0.9
Revenue TTM = 4.17b USD
EBIT TTM = 1.07b USD
EBITDA TTM = 1.19b USD
Long Term Debt = 4.28b USD (from longTermDebt, last quarter)
Short Term Debt = 534.8m USD (from shortTermDebt, last fiscal year)
Debt = 4.28b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 294.9m USD (from netDebt column, last quarter)
Enterprise Value = 4.37b USD (9.12b + Debt 4.28b - CCE 9.04b)
Interest Coverage Ratio = 0.70 (Ebit TTM 1.07b / Interest Expense TTM 1.52b)
FCF Yield = 26.05% (FCF TTM 1.14b / Enterprise Value 4.37b)
FCF Margin = 27.27% (FCF TTM 1.14b / Revenue TTM 4.17b)
Net Margin = 18.85% (Net Income TTM 786.2m / Revenue TTM 4.17b)
Gross Margin = 61.52% ((Revenue TTM 4.17b - Cost of Revenue TTM 1.60b) / Revenue TTM)
Gross Margin QoQ = 61.76% (prev 62.06%)
Tobins Q-Ratio = 0.06 (Enterprise Value 4.37b / Total Assets 69.63b)
Interest Expense / Debt = 9.27% (Interest Expense 396.8m / Debt 4.28b)
Taxrate = 26.95% (79.8m / 296.0m)
NOPAT = 781.1m (EBIT 1.07b * (1 - 26.95%))
Current Ratio = 0.18 (Total Current Assets 10.01b / Total Current Liabilities 56.71b)
Debt / Equity = 0.61 (Debt 4.28b / totalStockholderEquity, last quarter 7.05b)
Debt / EBITDA = 0.25 (Net Debt 294.9m / EBITDA 1.19b)
Debt / FCF = 0.26 (Net Debt 294.9m / FCF TTM 1.14b)
Total Stockholder Equity = 6.80b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.13% (Net Income 786.2m / Total Assets 69.63b)
RoE = 11.55% (Net Income TTM 786.2m / Total Stockholder Equity 6.80b)
RoCE = 9.64% (EBIT 1.07b / Capital Employed (Equity 6.80b + L.T.Debt 4.28b))
RoIC = 7.40% (NOPAT 781.1m / Invested Capital 10.55b)
WACC = 9.26% (E(9.12b)/V(13.40b) * Re(10.43%) + D(4.28b)/V(13.40b) * Rd(9.27%) * (1-Tc(0.27)))
Discount Rate = 10.43% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 4.12%
[DCF Debug] Terminal Value 65.10% ; FCFE base≈840.3m ; Y1≈662.8m ; Y5≈437.4m
Fair Price DCF = 84.69 (DCF Value 5.67b / Shares Outstanding 67.0m; 5y FCF grow -25.23% → 3.0% )
EPS Correlation: 70.70 | EPS CAGR: 19.28% | SUE: 1.12 | # QB: 1
Revenue Correlation: 93.96 | Revenue CAGR: 25.95% | SUE: 1.00 | # QB: 2
EPS next Quarter (2026-03-31): EPS=2.85 | Chg30d=+0.060 | Revisions Net=+7 | Analysts=12
EPS next Year (2026-12-31): EPS=11.82 | Chg30d=+0.011 | Revisions Net=+8 | Growth EPS=+3.9% | Growth Revenue=+6.4%
Additional Sources for WTFC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle