Wintrust Financial (WTFC) AI Stock Analysis

• Market Cap: $8.93B
• Dividend Yield: 1.48%
• Average Volume (3M): 398.02K
• Price to Earnings (P/E): 12.6
• Beta (1Y): 1.19
• Revenue Growth: 4.74%
• EPS Growth: 10.10%
• Country: US
• Employees: 5,903
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.78
• Shares Outstanding: 66,952,286
• 10 Day Avg. Volume: 437,626
• 30 Day Avg. Volume: 398,016
• PEG Ratio: 1.48
• Price to Book (P/B): 1.25
• Price to Sales (P/S): 2.00
• P/FCF Ratio: 12.50
• Enterprise Value/Market Cap: 1.44
• Enterprise Value/Revenue: 3.14
• Enterprise Value/Gross Profit: 5.19
• Enterprise Value/Ebitda: 11.49
• 1Y Price Target: $154.89
• Price Target Upside: 15.94% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 10

• Rating: 79 Outperform
• Price Target: $159.00 ▲(19.01% Upside)

Wintrust Financial's strong financial performance, positive technical indicators, and optimistic earnings call contribute to a solid overall stock score. The company's robust loan and deposit growth, along with strategic initiatives, position it well for future growth. While valuation is reasonable, the stock's upward momentum and stable credit quality further enhance its attractiveness.

Wintrust Financial Business Overview & Revenue Model

Company Description

Wintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 173 banking facilities and 228 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

How the Company Makes Money

Wintrust Financial generates revenue primarily through interest income from loans and investments, as well as non-interest income from fees for various banking services. Key revenue streams include net interest income from lending activities, which involves the difference between the interest earned on loans and the interest paid on deposits. Additionally, Wintrust earns non-interest income through service charges, wealth management fees, and mortgage banking revenues. The company has established significant partnerships with businesses and local communities, enhancing its customer base and supporting its earnings. Economic conditions, interest rates, and regulatory changes also play critical roles in shaping Wintrust's financial performance.

Wintrust Financial Financial Statement Overview

Summary

Wintrust Financial demonstrates strong financial health with consistent revenue and profit growth, efficient operations, and a balanced capital structure. While the cash flow conversion from operating activities could be improved, the overall financial performance is robust, positioning the company well within the regional banking industry.

Income Statement

Wintrust Financial has shown consistent revenue growth, with a TTM revenue growth rate of 1.84%. The company maintains strong profitability with a gross profit margin of 60.59% and a net profit margin of 18.06% in the TTM period. EBIT and EBITDA margins are also healthy at 24.54% and 26.60%, respectively. These metrics indicate robust operational efficiency and profitability.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.60, indicating moderate leverage. Return on equity is solid at 11.14%, showcasing effective use of equity to generate profits. The equity ratio stands at 10.48%, suggesting a balanced capital structure. Overall, the company maintains a healthy balance between debt and equity.

Cash Flow

Wintrust Financial's cash flow statement shows a strong free cash flow growth rate of 19.91% in the TTM period. The operating cash flow to net income ratio is low at 0.02, which may indicate potential challenges in converting income into cash. However, the free cash flow to net income ratio is high at 95.87%, reflecting efficient cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.10B	3.97B	3.33B	2.21B	1.86B	1.90B
Gross Profit	2.48B	2.35B	2.16B	1.88B	1.77B	1.43B
EBITDA	1.12B	1.05B	929.85M	782.63M	739.59M	486.15M
Net Income	739.93M	695.04M	622.63M	509.68M	466.15M	292.99M
Balance Sheet
Total Assets	68.98B	64.88B	56.26B	52.95B	50.14B	45.08B
Cash, Cash Equivalents and Short-Term Investments	9.92B	8.76B	5.80B	5.50B	7.85B	7.90B
Total Debt	4.33B	4.24B	3.66B	3.60B	2.43B	2.44B
Total Liabilities	61.76B	58.54B	50.86B	48.15B	45.64B	40.96B
Stockholders Equity	7.23B	6.34B	5.40B	4.80B	4.50B	4.12B
Cash Flow
Free Cash Flow	841.83M	635.52M	697.97M	1.32B	1.07B	-582.11M
Operating Cash Flow	878.10M	721.56M	744.38M	1.38B	1.13B	-518.47M
Investing Cash Flow	-6.30B	-5.95B	-3.24B	-3.49B	-5.93B	-7.18B
Financing Cash Flow	5.70B	5.26B	2.43B	2.20B	4.89B	7.74B

Wintrust Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 133.60
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WTFC, the sentiment is Positive. The current price of 133.6 is below the 20-day moving average (MA) of 135.88, above the 50-day MA of 132.04, and above the 200-day MA of 123.05, indicating a neutral trend. The MACD of 0.29 indicates Positive momentum. The RSI at 49.31 is Neutral, neither overbought nor oversold. The STOCH value of 25.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WTFC.

Wintrust Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UMBF	80 Outperform	9.02B	13.63	7.25%	1.35%	30.40%	12.40%
WTFC	79 Outperform	$8.93B	12.61	11.60%	1.48%	4.74%	10.10%
CMA	75 Outperform	8.86B	13.25	10.57%	4.12%	-8.62%	15.37%
ONB	74 Outperform	8.64B	13.09	6.99%	2.56%	15.94%	-0.47%
WAL	74 Outperform	9.83B	11.70	11.89%	1.72%	7.14%	14.94%
ZION	72 Outperform	8.40B	10.38	12.80%	3.04%	2.64%	32.07%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Wintrust Financial Corporate Events

Wintrust Financial Modifies Articles of Incorporation

On July 15, 2025, Wintrust Financial Corporation filed modifications to its Articles of Incorporation to reflect that no shares remain issued for its Series D and Series E Preferred Stocks. These shares have been returned to the status of authorized and unissued shares, leaving the Series F Preferred Stock as the only issued and outstanding preferred stock, following a public offering completed on May 22, 2025.

Wintrust Financial Board Member Resigns Unexpectedly

On June 11, 2025, Richard L. Postma resigned from the Board of Directors of Wintrust Financial Corporation due to personal reasons, effective immediately. His departure was not due to any disagreements with the company’s operations, policies, or practices.

Wintrust Financial to Redeem Preferred Stock Series

On June 13, 2025, Wintrust Financial Corporation announced its plan to redeem all outstanding shares of its Series D and Series E Preferred Stock, along with related Depositary Shares, on July 15, 2025. This strategic move, funded by proceeds from a recent public offering, will cease the trading of these shares on NASDAQ and stop dividend accruals, impacting investors holding these securities.