Wintrust Financial Corporation (WTFC) 10-Year Financial Performance & Capital Metrics

WTFC • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

AboutWintrust 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.Show more

Net Interest Income $1.96B +6.8%
Total Revenue $3.97B +19.2%
Net Income $695M +11.6%
Return on Equity 11.84% -3.1%
Net Interest Margin 3.02% -7.4%
Efficiency Ratio 35.37% -10.3%
ROA 1.15% +0.6%
Equity / Assets 9.78% +1.9%
Book Value per Share 98.06 +12.8%
Tangible BV/Share 83.86 +10.3%
Debt/Equity 0.67 -1.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 35.4% efficiency ratio
✓13 consecutive years of dividend growth
✓Trading near 52-week high
✓Trading at only 1.5x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y16.25%

5Y17.25%

3Y28.67%

TTM-

Profit (Net Income) CAGR

10Y16.46%

5Y14.34%

3Y14.24%

TTM24.17%

EPS CAGR

10Y13.22%

5Y11.32%

3Y10.8%

TTM14.03%

ROCE

10Y Avg9.04%

5Y Avg8.56%

3Y Avg9.36%

Latest8.84%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	641.53M	722.19M	832.08M	964.9M	1.05B	1.04B	1.12B	1.5B	1.84B	1.96B
NII Growth %	0.07%	0.13%	0.15%	0.16%	0.09%	-0.01%	0.08%	0.33%	0.23%	0.07%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	718.46M	812.46M	946.47M	1.17B	1.39B	1.29B	1.28B	1.75B	2.89B	3.48B
Interest Expense	76.94M	90.26M	114.39M	205.91M	330.22M	253.11M	150.53M	252.08M	1.06B	1.52B
Loan Loss Provision	32.94M	34.08M	29.77M	34.83M	53.86M	214.22M	-59.26M	78.59M	114.39M	101.05M
Non-Interest Income+	266.12M	316.38M	314.75M	351.89M	404.25M	604.19M	586.12M	461.05M	434.11M	488.32M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	984.59M	1.13B	1.26B	1.52B	1.79B	1.9B	1.86B	2.21B	3.33B	3.97B
Revenue Growth %	0.12%	0.15%	0.12%	0.21%	0.18%	0.06%	-0.02%	0.19%	0.51%	0.19%
Non-Interest Expense	622.95M	672.63M	727.06M	821.82M	925.21M	1.04B	1.13B	1.18B	1.31B	1.4B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	251.76M	331.85M	390M	460.13M	480.1M	389.78M	637.8M	700.55M	845.08M	947.09M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.02%	0.32%	0.18%	0.18%	0.04%	-0.19%	0.64%	0.1%	0.21%	0.12%
Pretax Income+	251.76M	331.85M	390M	460.13M	480.1M	389.78M	637.8M	700.55M	845.08M	947.09M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	95.02M	124.98M	132.31M	116.97M	124.4M	96.79M	171.65M	190.87M	222.46M	252.04M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	156.75M	206.88M	257.68M	343.17M	355.7M	292.99M	466.15M	509.68M	622.63M	695.04M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.04%	0.32%	0.25%	0.33%	0.04%	-0.18%	0.59%	0.09%	0.22%	0.12%
Net Income (Continuing)	156.75M	206.88M	257.68M	343.17M	355.7M	292.99M	466.15M	509.68M	622.63M	695.04M
EPS (Diluted)+	2.93	3.66	4.40	5.86	6.03	4.68	7.58	8.02	9.58	10.31
EPS Growth %	-0.02%	0.25%	0.2%	0.33%	0.03%	-0.22%	0.62%	0.06%	0.19%	0.08%
EPS (Basic)	3.05	3.83	4.53	5.95	6.11	4.72	7.69	8.14	9.72	10.47
Diluted Shares Outstanding	51.94M	54.27M	56.69M	57.21M	57.62M	58.02M	57.79M	60.09M	62.09M	64.7M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	879.24M	1.25B	1.34B	1.49B	2.45B	5.12B	5.78B	2.48B	2.51B	4.86B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	20.15B	22.42B	24.45B	27.16B	31.31B	36.76B	40.72B	46.22B	49.58B	55.99B
Investments Growth %	0.21%	0.11%	0.09%	0.11%	0.15%	0.17%	0.11%	0.14%	0.07%	0.13%
Long-Term Investments	18.43B	20.69B	22.64B	25.03B	28.21B	33.98B	38.65B	43.2B	46.29B	52.09B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	471.76M	498.59M	501.88M	573.14M	645.22M	645.71M	655.15M	653.52M	656.67M	796.94M
Intangible Assets	24.21M	21.85M	17.62M	49.42M	47.06M	36.04M	28.31M	22.19M	22.89M	121.69M
PP&E (Net)	655.43M	726.7M	834.23M	904.38M	985.52M	1.01B	1.01B	1.02B	1.03B	1.06B
Other Assets	703.47M	732.13M	658.41M	789.81M	1.16B	1.49B	1.92B	1.62B	1.76B	2.03B
Total Current Assets	2.62B	3B	3.26B	3.89B	5.57B	7.92B	7.88B	6.44B	6.5B	8.78B
Total Non-Current Assets	20.29B	22.67B	24.66B	27.35B	31.05B	37.16B	42.27B	46.51B	49.76B	56.1B
Total Assets+	22.91B	25.67B	27.92B	31.24B	36.62B	45.08B	50.14B	52.95B	56.26B	64.88B
Asset Growth %	0.14%	0.12%	0.09%	0.12%	0.17%	0.23%	0.11%	0.06%	0.06%	0.15%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	505.45M	537.24M	669.64M	1.04B	0	1.12B	1.65B	1.8B	0
Total Debt+	1.53B	808.85M	1.22B	1.21B	1.78B	2.44B	2.43B	3.6B	3.66B	4.24B
Net Debt	647.41M	-438.8M	-122.34M	-278.78M	-668.02M	-2.69B	-3.36B	1.12B	1.16B	-623.81M
Long-Term Debt	1.04B	710.12M	856.57M	1.16B	1.76B	2.36B	2.34B	3.3B	3.65B	4.24B
Short-Term Debt	489.41M	98.74M	361.87M	52.58M	26.99M	74.35M	84.2M	307.61M	13.43M	0
Other Liabilities	390.26M	0	0	0	0	1.23B	0	0	0	1.79B
Total Current Liabilities	19.13B	22.26B	24.08B	26.82B	31.17B	37.37B	43.3B	44.86B	47.21B	52.51B
Total Non-Current Liabilities	1.43B	710.12M	856.57M	1.16B	1.76B	3.6B	2.34B	3.3B	3.65B	6.02B
Total Liabilities	20.56B	22.97B	24.94B	27.97B	32.93B	40.96B	45.64B	48.15B	50.86B	58.54B
Total Equity+	2.35B	2.7B	2.98B	3.27B	3.69B	4.12B	4.5B	4.8B	5.4B	6.34B
Equity Growth %	0.14%	0.15%	0.1%	0.1%	0.13%	0.12%	0.09%	0.07%	0.13%	0.17%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.08%	0.09%	0.11%	0.1%	0.08%	0.11%	0.11%	0.12%	0.12%
Book Value per Share	45.29	49.67	52.52	57.12	64.06	70.94	77.85	79.83	86.97	98.06
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	48.47M	51.98M	56.07M	56.52M	57.95M	58.47M	58.89M	60.8M	61.27M	66.56M
Additional Paid-in Capital	1.19B	1.37B	1.53B	1.56B	1.65B	1.65B	1.69B	1.9B	1.94B	2.48B
Retained Earnings	928.21M	1.1B	1.31B	1.61B	1.9B	2.08B	2.45B	2.85B	3.35B	3.9B
Accumulated OCI	-62.71M	-65.33M	-41.84M	-76.87M	-34.68M	15.38M	4.09M	-427.64M	-361.23M	-508.33M
Treasury Stock	-3.97M	-4.59M	-4.99M	-5.63M	-6.93M	-100.36M	-109.9M	-304K	-2.22M	-6.15M
Preferred Stock	251.29M	251.26M	125M	125M	125M	412.5M	412.5M	412.5M	412.5M	412.5M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	38.97M	310.97M	401.63M	377.18M	265.99M	-518.47M	1.13B	1.38B	744.38M	721.56M
Operating CF Growth %	-0.81%	6.98%	0.29%	-0.06%	-0.29%	-2.95%	3.18%	0.22%	-0.46%	-0.03%
Net Income	156.75M	206.88M	257.68M	343.17M	355.7M	292.99M	466.15M	509.68M	622.63M	695.04M
Depreciation & Amortization	41.01M	53.15M	63.11M	67.67M	88.36M	96.37M	101.8M	82.07M	84.76M	100.08M
Deferred Taxes	23.05M	6.68M	63.24M	55.22M	44.56M	-4.06M	-2.86M	22.06M	-19.71M	11.01M
Other Non-Cash Items	-38.01M	-36.52M	99.78M	45.03M	-85.67M	-813.42M	292.41M	434.02M	61.8M	64.97M
Working Capital Changes	-153.49M	71.49M	-95.05M	-147.4M	-148.26M	-85.41M	257.2M	295.43M	-38.61M	-187.65M
Cash from Investing+	-1.64B	-2.49B	-2.3B	-2.76B	-4.02B	-7.18B	-5.93B	-3.49B	-3.24B	-5.95B
Purchase of Investments	-2.12B	-3.89B	-1.08B	-1.35B	-2.76B	-2.17B	-3.73B	-3.75B	-2.71B	-1.88B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-15.43M	-613.62M	-284K	-53.87M	-108.36M	0	-585.4M	0	-5.15M	531.31M
Other Investing	-1.49B	-2.14B	-1.9B	-1.87B	-3.21B	-7.95B	-3.35B	-317.56M	-2.96B	-7.17B
Cash from Financing+	1.65B	2.18B	1.91B	2.5B	3.65B	7.74B	4.89B	2.2B	2.43B	5.26B
Dividends Paid	-29.89M	-38.57M	-40.54M	-50.99M	-65.11M	-85.89M	-98.63M	-108.21M	-125.69M	-143.28M
Share Repurchases	-424K	-616K	-397K	-648K	-1.3M	-93.43M	-9.54M	-304K	-1.91M	-3.94M
Stock Issued	0	152.91M	0	0	0	0	0	285.73M	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	-1000K	1000K	1000K	-1000K	1000K	1000K	1000K
Other Financing	1.4B	2.78B	1.55B	2.56B	3.15B	7B	5.01B	818.18M	2.5B	4.81B
Net Change in Cash+	45.09M	-5.75M	7.55M	114.61M	-105.72M	36M	88.73M	79.76M	-67.5M	35.07M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	230.71M	275.8M	270.05M	277.59M	392.2M	286.48M	322.47M	411.2M	490.97M	423.46M
Cash at End	275.8M	270.05M	277.59M	392.2M	286.48M	322.47M	411.2M	490.97M	423.46M	458.54M
Interest Paid	77.74M	91.39M	112.78M	197.91M	327.33M	257.41M	156.87M	239.21M	1.03B	1.52B
Income Taxes Paid	94.72M	94.89M	76.81M	69.12M	60.84M	105.27M	178.57M	153.5M	231.65M	252.85M
Free Cash Flow+	-4.49M	277.04M	342.43M	308.91M	183.97M	-582.11M	1.07B	1.32B	697.97M	635.52M
FCF Growth %	-1.03%	62.66%	0.24%	-0.1%	-0.4%	-4.16%	2.84%	0.23%	-0.47%	-0.09%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	7.09%	8.2%	9.09%	10.99%	10.22%	7.51%	10.82%	10.97%	12.21%	11.84%
Return on Assets (ROA)	0.73%	0.85%	0.96%	1.16%	1.05%	0.72%	0.98%	0.99%	1.14%	1.15%
Net Interest Margin	2.8%	2.81%	2.98%	3.09%	2.88%	2.31%	2.24%	2.82%	3.27%	3.02%
Efficiency Ratio	63.27%	59.59%	57.65%	53.97%	51.71%	54.82%	60.84%	53.31%	39.45%	35.37%
Equity / Assets	10.27%	10.5%	10.66%	10.46%	10.08%	9.13%	8.97%	9.06%	9.6%	9.78%
Book Value / Share	45.29	49.67	52.52	57.12	64.06	70.94	77.85	79.83	86.97	98.06
NII Growth	7.18%	12.57%	15.22%	15.96%	9.33%	-1.42%	8.18%	32.93%	22.9%	6.78%
Dividend Payout	19.07%	18.64%	15.73%	14.86%	18.3%	29.32%	21.16%	21.23%	20.19%	20.61%

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024
Wealth Management	90.96M	97.11M	100.34M	124.02M	126.61M	130.61M	146.23M
Wealth Management Growth	-	6.76%	3.32%	23.60%	2.09%	3.15%	11.96%
Asset Management Revenue	55.31M	59.52M	63.21M	81.38M	75.49M	87.77M	97.67M
Asset Management Revenue Growth	-	7.62%	6.20%	28.74%	-7.24%	16.28%	11.28%
Service Charges On Deposit Accounts Revenue	-	-	-	-	-	55.25M	65.65M
Service Charges On Deposit Accounts Revenue Growth	-	-	-	-	-	-	18.83%
Trust Revenue	13.26M	18.77M	18.39M	21.93M	33.46M	24.19M	25.94M
Trust Revenue Growth	-	41.50%	-2.00%	19.24%	52.58%	-27.70%	7.24%
Brokerage And Insurance Product Commissions	-	-	-	-	-	18.64M	22.61M
Brokerage And Insurance Product Commissions Growth	-	-	-	-	-	-	21.27%
Card Related Fee Revenue	7.44M	7.82M	7.58M	9.21M	11.47M	13.79M	17.83M
Card Related Fee Revenue Growth	-	5.04%	-3.03%	21.52%	24.58%	20.18%	29.30%
Other Deposit Related Fee Revenue	11.89M	12.5M	12.44M	13.3M	13.49M	14.35M	13.77M
Other Deposit Related Fee Revenue Growth	-	5.11%	-0.49%	6.91%	1.44%	6.40%	-4.04%
Administrative Services Revenue	4.63M	4.2M	4.38M	5.69M	6.71M	5.6M	5.34M
Administrative Services Revenue Growth	-	-9.25%	4.48%	29.74%	18.00%	-16.59%	-4.70%
Mortgage Broker Fees	1.19M	768K	368K	787K	854K	844K	1.93M
Mortgage Broker Fees Growth	-	-35.35%	-52.08%	113.86%	8.51%	-1.17%	128.08%
Service Charges on Deposit Accounts Revenue	36.4M	-	-	54.17M	58.57M	-	-
Service Charges on Deposit Accounts Revenue Growth	-	-	-	-	8.13%	-	-
Brokerage and Insurance Product Commissions	22.39M	18.82M	18.73M	20.71M	17.67M	-	-
Brokerage and Insurance Product Commissions Growth	-	-15.93%	-0.50%	10.57%	-14.69%	-	-
Deposit Account	-	39.07M	45.02M	-	-	-	-
Deposit Account Growth	-	-	15.24%	-	-	-	-

Frequently Asked Questions

Valuation & Price

Wintrust Financial Corporation (WTFC) has a price-to-earnings (P/E) ratio of 14.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Wintrust Financial Corporation (WTFC) grew revenue by 19.2% over the past year. This is strong growth.

Yes, Wintrust Financial Corporation (WTFC) is profitable, generating $786.2M in net income for fiscal year 2024 (17.5% net margin).

Dividend & Returns

Yes, Wintrust Financial Corporation (WTFC) pays a dividend with a yield of 1.51%. This makes it attractive for income-focused investors.

Wintrust Financial Corporation (WTFC) has a return on equity (ROE) of 11.8%. This is reasonable for most industries.

Industry Metrics

Wintrust Financial Corporation (WTFC) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.

Wintrust Financial Corporation (WTFC) has an efficiency ratio of 35.4%. This is excellent, indicating strong cost control.

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