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Financial Services - Banks - Regional - NASDAQ - US
$ 131.76
0.619 %
$ 8.76 B
Market Cap
13.8
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one WTFC stock under the base case scenario is HIDDEN Compared to the current market price of 132 USD, Wintrust Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WTFC

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FINANCIALS
2.16 B REVENUE
10.24%
1.05 B OPERATING INCOME
739.81%
623 M NET INCOME
22.16%
744 M OPERATING CASH FLOW
-45.86%
-3.24 B INVESTING CASH FLOW
7.25%
2.43 B FINANCING CASH FLOW
10.49%
616 M REVENUE
-37.03%
232 M OPERATING INCOME
4.47%
170 M NET INCOME
11.56%
-150 M OPERATING CASH FLOW
-48.53%
-575 M INVESTING CASH FLOW
74.29%
1.04 B FINANCING CASH FLOW
-46.90%
Balance Sheet Decomposition Wintrust Financial Corporation
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Current Assets 7.15 B
Cash & Short-Term Investments 3.93 B
Receivables 0
Other Current Assets 3.23 B
Non-Current Assets 8.93 B
Long-Term Investments 7.5 B
PP&E 749 M
Other Non-Current Assets 680 M
Current Liabilities 0
Accounts Payable 1.8 B
Short-Term Debt 0
Other Current Liabilities -1.8 B
Non-Current Liabilities 50.9 B
Long-Term Debt 3.23 B
Other Non-Current Liabilities 47.6 B
EFFICIENCY
Earnings Waterfall Wintrust Financial Corporation
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Revenue 2.16 B
Cost Of Revenue 0
Gross Profit 2.16 B
Operating Expenses 1.11 B
Operating Income 1.05 B
Other Expenses 423 M
Net Income 623 M
RATIOS
100.00% GROSS MARGIN
100.00%
48.49% OPERATING MARGIN
48.49%
28.87% NET MARGIN
28.87%
11.53% ROE
11.53%
1.11% ROA
1.11%
8.93% ROIC
8.93%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Wintrust Financial Corporation
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Net Income 623 M
Depreciation & Amortization 84.8 M
Capital Expenditures -46.4 M
Stock-Based Compensation 33.5 M
Change in Working Capital -38.6 M
Others 23.2 M
Free Cash Flow 698 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Wintrust Financial Corporation
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Wall Street analysts predict an average 1-year price target for WTFC of $127 , with forecasts ranging from a low of $118 to a high of $136 .
WTFC Lowest Price Target Wall Street Target
118 USD -10.44%
WTFC Average Price Target Wall Street Target
127 USD -3.31%
WTFC Highest Price Target Wall Street Target
136 USD 3.22%
4. DIVIDEND ANALYSIS
0.52% DIVIDEND YIELD
0.45 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Wintrust Financial Corporation
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Sold
0-3 MONTHS
2.45 M USD 3
3-6 MONTHS
0 USD 0
6-9 MONTHS
3.22 M USD 6
9-12 MONTHS
57.6 K USD 1
Bought
0 USD 0
0-3 MONTHS
86.3 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
2 weeks ago
Oct 29, 2024
Sell 474 K USD
MURPHY RICHARD B
VICE CHAIR,CHIEF LENDING OFC
- 4099
115.63 USD
2 weeks ago
Oct 29, 2024
Sell 1.79 M USD
DYKSTRA DAVID A
VICE CHAIRMAN AND COO
- 15492
115.48 USD
3 weeks ago
Oct 24, 2024
Sell 182 K USD
STOEHR DAVID L
CHIEF FINANCIAL OFFICER
- 1607
113.46 USD
5 months ago
Jun 04, 2024
Bought 56.8 K USD
Smith Gregory A
Director
+ 600
94.61 USD
5 months ago
May 31, 2024
Bought 1.43 K USD
WEHMER EDWARD J
FOUNDER AND SENIOR ADVISOR
+ 58
24.6 USD
5 months ago
May 31, 2024
Bought 13.1 K USD
WEHMER EDWARD J
FOUNDER AND SENIOR ADVISOR
+ 529
24.68 USD
5 months ago
May 31, 2024
Bought 15 K USD
WEHMER EDWARD J
FOUNDER AND SENIOR ADVISOR
+ 610
24.6 USD
6 months ago
Apr 23, 2024
Sell 22.3 K USD
Hahnfeld Jeffrey D
EVP-CONTROLLER & CHIEF ACC OFF
- 221
100.71 USD
8 months ago
Mar 05, 2024
Sell 944 K USD
WEHMER EDWARD J
FOUNDER AND EXECUTIVE CHAIR
- 9500
99.36 USD
8 months ago
Feb 29, 2024
Sell 128 K USD
Hahnfeld Jeffrey D
EVP-CONTROLLER & CHIEF ACC OFF
- 1322
97.08 USD
8 months ago
Feb 29, 2024
Sell 512 K USD
STOEHR DAVID L
CHIEF FINANCIAL OFFICER
- 5322
96.16 USD
8 months ago
Feb 29, 2024
Sell 948 K USD
DYKSTRA DAVID A
VICE CHAIRMAN AND COO
- 9870
96.06 USD
8 months ago
Feb 29, 2024
Sell 229 K USD
Lee David Eric
EXECUTIVE VICE PRESIDENT
- 2364
96.83 USD
8 months ago
Feb 29, 2024
Sell 437 K USD
Boege Kathleen M
EVP, GENERAL COUNSEL AND SEC
- 4548
96.17 USD
9 months ago
Jan 31, 2024
Sell 57.6 K USD
Hahnfeld Jeffrey D
EVP-CONTROLLER & CHIEF ACC OFF
- 588
97.88 USD
1 year ago
Aug 23, 2023
Bought 6.94 K USD
WEHMER EDWARD J
FOUNDER AND EXECUTIVE CHAIR
+ 300
23.14 USD
1 year ago
Aug 23, 2023
Bought 6.94 K USD
WEHMER EDWARD J
FOUNDER AND EXECUTIVE CHAIR
+ 300
23.14 USD
1 year ago
May 15, 2023
Bought 62.9 K USD
TEGLIA KARIN GUSTAFSON
Director
+ 1000
62.92 USD
1 year ago
May 11, 2023
Bought 91.3 K USD
CRANE TIMOTHY
PRESIDENT & CEO
+ 1500
60.87 USD
1 year ago
Mar 13, 2023
Bought 521 K USD
HACKETT H PATRICK JR
Director
+ 7100
73.31 USD
1 year ago
Mar 03, 2023
Sell 300 K USD
STOEHR DAVID L
CHIEF FINANCIAL OFFICER
- 3297
90.85 USD
1 year ago
Feb 16, 2023
Bought 609 K USD
KENNEY BRIAN A
Director
+ 6600
92.23 USD
1 year ago
Feb 02, 2023
Bought 93.3 K USD
WASHINGTON ALEX E III
Director
+ 1000
93.29 USD
1 year ago
Dec 08, 2022
Sell 560 K USD
ZIDAR THOMAS P
EXECUTIVE VICE PRESIDENT
- 6469
86.64 USD
2 years ago
Nov 04, 2022
Sell 205 K USD
STOEHR DAVID L
CHIEF FINANCIAL OFFICER
- 2215
92.45 USD
2 years ago
Apr 26, 2022
Bought 456 K USD
HACKETT H PATRICK JR
director:
+ 5000
91.23 USD
2 years ago
Feb 02, 2022
Sell 790 K USD
CRANE TIMOTHY
PRESIDENT
- 8046
98.2 USD
2 years ago
Dec 08, 2021
Bought 403 K USD
WASHINGTON ALEX E III
Director
+ 4500
89.61 USD
3 years ago
Nov 12, 2021
Sell 511 K USD
ZIDAR THOMAS P
EXECUTIVE VICE PRESIDENT
- 5549
92.02 USD
3 years ago
Oct 25, 2021
Sell 200 K USD
MURPHY RICHARD B
VICE CHAIRMAN, LENDING
- 2174
92.08 USD
3 years ago
Aug 11, 2021
Sell 204 K USD
WEHMER EDWARD J
FOUNDER AND CEO
- 2714
75.19 USD
3 years ago
Aug 11, 2021
Sell 204 K USD
WEHMER EDWARD J
FOUNDER AND CEO
- 2714
75.1 USD
3 years ago
Jun 08, 2021
Sell 294 K USD
STOEHR DAVID L
CHIEF FINANCIAL OFFICER
- 3590
81.95 USD
3 years ago
May 03, 2021
Sell 388 K USD
STAFFORD INGRID S
Director
- 5010
77.4 USD
3 years ago
May 04, 2021
Sell 196 K USD
WEHMER EDWARD J
FOUNDER AND CEO
- 2500
78.22 USD
3 years ago
May 04, 2021
Sell 196 K USD
WEHMER EDWARD J
FOUNDER AND CEO
- 2500
78.22 USD
4 years ago
Apr 24, 2020
Bought 27.4 K USD
SWEENEY GARY D
Director
+ 790
34.66 USD
3 years ago
Mar 08, 2021
Sell 587 K USD
Boege Kathleen M
EVP, GENERAL COUNSEL AND SEC
- 7261
80.9 USD
3 years ago
Mar 03, 2021
Sell 1.28 M USD
DYKSTRA DAVID A
VICE CHAIRMAN AND COO
- 16790
76.39 USD
3 years ago
Mar 03, 2021
Sell 218 K USD
STOEHR DAVID L
CHIEF FINANCIAL OFFICER
- 2829
77.03 USD
3 years ago
Dec 09, 2020
Bought 266 K USD
ZIDAR THOMAS P
EXECUTIVE VICE PRESIDENT
+ 4441
59.91 USD
3 years ago
Dec 10, 2020
Sell 413 K USD
CRANE TIMOTHY
PRESIDENT
- 6968
59.32 USD
3 years ago
Nov 24, 2020
Sell 841 K USD
WEHMER EDWARD J
FOUNDER AND CEO
- 14173
59.31 USD
4 years ago
Nov 09, 2020
Sell 295 K USD
CRANE TIMOTHY
PRESIDENT
- 5431
54.26 USD
4 years ago
Nov 10, 2020
Sell 797 K USD
WEHMER EDWARD J
FOUNDER AND CEO
- 15000
53.14 USD
4 years ago
Aug 31, 2020
Bought 31.2 K USD
WEHMER EDWARD J
FOUNDER AND CEO
+ 1177
26.55 USD
4 years ago
Aug 31, 2020
Bought 31.6 K USD
WEHMER EDWARD J
FOUNDER AND CEO
+ 1189
26.57 USD
4 years ago
Aug 31, 2020
Bought 14.9 K USD
WEHMER EDWARD J
FOUNDER AND CEO
+ 562
26.57 USD
4 years ago
Jul 23, 2020
Bought 35.1 K USD
SWEENEY GARY D
Director
+ 785
44.66 USD
4 years ago
Jun 05, 2020
Bought 51.1 K USD
TEGLIA KARIN GUSTAFSON
Director
+ 1000
51.1 USD
4 years ago
Jun 03, 2020
Bought 44.8 K USD
TEGLIA KARIN GUSTAFSON
Director
+ 1000
44.77 USD
4 years ago
Jan 30, 2020
Bought 29.7 K USD
SWEENEY GARY D
Director
+ 470
63.23 USD
4 years ago
Jan 24, 2020
Sell 187 K USD
ZIDAR THOMAS P
EXECUTIVE VICE PRESIDENT
- 2948
63.6 USD
4 years ago
Jan 24, 2020
Bought 63.5 K USD
HACKETT H PATRICK JR
Director
+ 1000
63.48 USD
5 years ago
Oct 31, 2019
Bought 50 K USD
SWEENEY GARY D
Director
+ 786
63.6 USD
5 years ago
Jul 19, 2019
Bought 50 K USD
SWEENEY GARY D
Director
+ 747
66.92 USD
5 years ago
Jan 25, 2019
Sell 253 K USD
ZIDAR THOMAS P
EXECUTIVE VICE PRESIDENT
- 3482
72.62 USD
5 years ago
Jan 25, 2019
Sell 165 K USD
LARSON DAVID L
EXECUTIVE VICE PRESIDENT
- 2265
72.65 USD
5 years ago
Jan 25, 2019
Sell 153 K USD
CRANE TIMOTHY
EXECUTIVE VICE PRESIDENT
- 2097
72.82 USD
6 years ago
Oct 24, 2018
Bought 22.4 K USD
SWEENEY GARY D
Director
+ 300
74.61 USD
6 years ago
Jul 23, 2018
Sell 1.12 M USD
WEHMER EDWARD J
PRESIDENT AND CEO
- 12301
91.12 USD
6 years ago
Jul 20, 2018
Sell 86.8 K USD
CRANE TIMOTHY
EXECUTIVE VICE PRESIDENT
- 954
90.96 USD
6 years ago
Apr 20, 2018
Sell 163 K USD
MURPHY RICHARD B
EXECUTIVE VICE PRESIDENT
- 1795
90.99 USD
6 years ago
Apr 19, 2018
Sell 294 K USD
WEHMER EDWARD J
PRESIDENT AND CEO
- 3300
89 USD
6 years ago
Apr 19, 2018
Sell 2.58 M USD
CRIST PETER D
Director
- 28884
89.3 USD
6 years ago
Apr 19, 2018
Bought 29.9 K USD
SWEENEY GARY D
Director
+ 330
90.59 USD
6 years ago
Nov 27, 2017
Bought 555 USD
GLABE MARLA F
Director
+ 7
79.25 USD
7 years ago
Aug 25, 2017
Bought 585 USD
GLABE MARLA F
Director
+ 8
73.12 USD
7 years ago
May 26, 2017
Bought 568 USD
GLABE MARLA F
Director
+ 8
71.03 USD
7 years ago
Feb 24, 2017
Bought 376 USD
GLABE MARLA F
Director
+ 5
75.25 USD
7 years ago
Nov 28, 2016
Bought 328 USD
GLABE MARLA F
Director
+ 5
65.61 USD
8 years ago
Aug 26, 2016
Bought 219 USD
GLABE MARLA F
Director
+ 4
54.81 USD
8 years ago
May 27, 2016
Bought 158 USD
GLABE MARLA F
Director
+ 3
52.58 USD
9 years ago
May 21, 2015
Bought 88.2 USD
GLABE MARLA F
Director
+ 2
44.12 USD
7. News
Wintrust Financial (WTFC) is a Great Momentum Stock: Should You Buy? Does Wintrust Financial (WTFC) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 3 weeks ago
Wintrust Financial Corporation (WTFC) Q3 2024 Earnings Call Transcript Wintrust Financial Corporation (NASDAQ:WTFC ) Q3 2024 Earnings Conference Call October 22, 2024 11:00 AM ET Company Participants Timothy Crane - President and CEO David Dykstra - Vice Chairman and COO Richard Murphy - Vice Chairman and Chief Lending Officer David Stoehr - EVP and CFO Conference Call Participants Jon Arfstrom - RBC Capital Markets David Long - Raymond James Jeff Rulis - D.A. Davidson Chris McGratty - KBW Brandon Ruud - Stephens Jared Shaw - Barclays Nathan Race - Piper Sandler Operator Welcome to Wintrust Financial Corporation's Third Quarter and Year-to-Date 2024 Earnings Conference Call. seekingalpha.com - 3 weeks ago
Here's What Key Metrics Tell Us About Wintrust (WTFC) Q3 Earnings The headline numbers for Wintrust (WTFC) give insight into how the company performed in the quarter ended September 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 3 weeks ago
Wintrust Financial (WTFC) Q3 Earnings and Revenues Miss Estimates Wintrust Financial (WTFC) came out with quarterly earnings of $2.47 per share, missing the Zacks Consensus Estimate of $2.50 per share. This compares to earnings of $2.53 per share a year ago. zacks.com - 3 weeks ago
Wintrust Financial Corporation Reports Third Quarter and Year-to-Date Results ROSEMONT, Ill, Oct. 21, 2024 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation (“Wintrust”, “the Company”, “we” or “our”) (Nasdaq: WTFC) announced net income of $509.7 million or $7.67 per diluted common share for the first nine months of 2024 compared to net income of $499.1 million or $7.71 per diluted common share for the same period of 2023. Pre-tax, pre-provision income (non-GAAP) for the first nine months of 2024 totaled a record $778.1 million, compared to $751.3 million in the first nine months of 2023. globenewswire.com - 3 weeks ago
Why Earnings Season Could Be Great for Wintrust Financial (WTFC) Wintrust Financial (WTFC) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season. zacks.com - 1 month ago
Wall Street's Insights Into Key Metrics Ahead of Wintrust (WTFC) Q3 Earnings Beyond analysts' top -and-bottom-line estimates for Wintrust (WTFC), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended September 2024. zacks.com - 1 month ago
Wintrust Financial (WTFC) Expected to Beat Earnings Estimates: Should You Buy? Wintrust (WTFC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 1 month ago
Wintrust Financial Corporation Deserves An Optimistic Outlook Wintrust Financial's shares have risen 10.5% since March, but lagged behind the S&P 500, but since June 2023, shares are up 52.7%, easily outperforming the S&P 500. Despite a slight decline in net interest margin, deposits, loans, and securities have grown, showcasing strong balance sheet growth and asset quality. Net interest income and non-interest income have increased, though higher expenses have limited net profit growth. seekingalpha.com - 1 month ago
Wintrust Financial Corporation Announces Third Quarter and Year-to-Date 2024 Earnings Release Schedule ROSEMONT, Ill., Sept. 30, 2024 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation ("Wintrust") (Nasdaq: WTFC) today announced it will release third quarter and year-to-date 2024 earnings results after the market closes on Monday, October 21, 2024 and host a conference call on Tuesday, October 22, 2024 at 10:00 a.m. (CDT). globenewswire.com - 1 month ago
Wintrust Appoints New Head of Diversity, Equity, and Inclusion ROSEMONT, Ill., Sept. 03, 2024 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation (Nasdaq: WTFC) today announced the appointment of Gina Stuart as its new SVP, Diversity, Equity, and Inclusion. Stuart brings more than 20 years of leadership experience in human resources, including regulatory and compliance, as well as diversity and inclusion. globenewswire.com - 2 months ago
Wintrust Expands Workplace Solutions Offering for HSAs, FSAs, and More, Powered by First Dollar ROSEMONT, Ill., Aug. 22, 2024 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation (“Wintrust”) (Nasdaq: WTFC) today announced it has selected First Dollar to power health savings accounts, health flexible spending accounts, health reimbursement arrangements, and other employee benefit accounts. Wintrust will leverage First Dollar's best-in-class technology to enhance and elevate its consumer-directed health and lifestyle accounts portfolio for a fully integrated benefit experience aligned with the Wintrust standard. globenewswire.com - 2 months ago
8. Profile Summary

Wintrust Financial Corporation WTFC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 8.76 B
Dividend Yield 0.52%
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.
Contact 9700 West Higgins Road, Rosemont, IL, 60018 https://www.wintrust.com
IPO Date April 16, 1998
Employees 5521
Officers Ms. Kathleen M. Boege Executive Vice President, General Counsel & Corporate Secretary Mr. Guy W. Eisenhuth Executive Vice President & Regional Market Head Mr. Jeffrey D. Hahnfeld Executive Vice President, Controller & Chief Accounting Officer Ms. Norah Larke Executive Vice President & Chief Human Resources Officer Mr. Thomas Patrick Zidar Executive Vice President & Market Head of Wealth Management Services Mr. David Alan Dykstra Vice Chairman & Chief Operating Officer Mr. Timothy S. Crane Chief Executive Officer, President & Director Mr. David L. Stoehr Executive Vice President & Chief Financial Officer Mr. Richard B. Murphy Vice Chairman & Chief Lending Officer Mike Ryan Executive Vice President & Chief Information Officer