Wintrust Financial Corp

State Commercial Banks

WTFCStrained9 of 11 basics passed

$143.25

-0.66%

Market cap $9.66B

$143.25

-0.66%

Market cap $9.66B

Wintrust Financial Corp is a financial holding company that provides community-oriented, personal, and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and western Michigan.

It is a $9.66B financial services company. Revenue grew 6.1% over the last year, and it keeps 21¢ of every dollar of sales as profit. It trades at 10.4× earnings — around the middle of its own history.

Website: wintrust.com
Location: Rosemont, IL
Employees: 5 902
Sector: Financial Services

Share price · 3 years

$75.62 → $143.25+89.4%

price only — dividends excluded

Key facts · TTM

Revenue: total sales; $4.35B
Profit: keeps 21¢ of every $1 sold; $900M
Free cash flow: cash left after running the business; $1.57B
Net debt: debt minus cash on hand; $4.28B
P/E: years of profit in the price; 10.4
EPS: earnings per share, TTM; $13.26
Dividend: pays out 20% of profit · 12% of FCF; 1.91%
Shares: up 25% since 2016 — dilution; 67.9M
Volatility: beta vs the market — under 1 swings less; 0.88

Revenue, last 10 years

52-week range

Low $120.24$143.25High $166.90

Today's price is 49% of the way from the year's low to its high.

P/E vs its history5y

10.9×median 11.3×

Higher than 39% of past days — around the middle of its own history.

Valuation vs own history

P/E

10.9×

61%

P/S

2.7×

55%

EV/EBITDA

12.1×

96%

P/B

1.3×

22%

FCF yield

16.3%

65%

Share of the last ~5 years that was pricier than today (in line with its own history). Based on the daily valuation record.

Insider activity · 90 days

-$2.20Mnet selling

Purchases$0

Sales$2.20M

Insiders trading, last 14d0 buy · 0 sell

Standing in Financial Services

Size$9.66Btop 89%
Revenue growth+8%top 57%
Net margin29%top 24%
Return on equity12%top 55%
P/E10.4×top 22%
Dividend yield1.91%top 56%

Ranked against 129 Financial Services companies with a full CV — for P/E, lower ranks higher.

Skills

Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.

Strong valuation and profitability; Health and Moat lag behind.

Valuation75

P/E vs own history39th pct · 20/25
FCF yield16.3% · 25/25
P/S2.3x · 20/25
EV/EBITDAn/a · 10/25

Growth65

Revenue CAGR112.6% · 25/25
Net income CAGR15.3% · 20/25
EPS CAGR ~5Y19.2% · 20/25
Fwd implied growth-1.3% · 0/25

Profitability82

ROIC17.4% · 20/25
ROE12.3% · 12/25
Net margin20.7% · 25/25
Operating margin38.9% · 25/25

Health45

Altman Zn/a · 0/25
Current ration/a · 0/25
Interest coverageno interest expense · 25/25
Net cash / debtD/A 6% · 20/25

Quality60

Piotroski F5/9 · 15/25
Beneish M-2.43 · 20/25
FCF conversion177% · 25/25
Margin stabilityσ 180.1% · 0/25

Moat43

ROIC >12% years0/5 yrs · 0/25
Median gross marginn/a · 0/25
FCF-positive years9/10 yrs · 18/25
Worst-year net marginworst 17.5% · 25/25

How the scores work →

Experience

The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.

FY2025Financial
Best year on record
$824M net income
Aug 1, 2024Acquisition
It was announced that Wintrust had completed the merger of its operations with Macatawa Bank…
2022Acquisition
Wintrust announced a deal to acquire the U.S. asset management arm of Rothschild & Co
FY2021Financial
Positive free cash flow every year since
5-year streak
2019Acquisition
Wintrust acquired Rush-Oak Corporation, the parent company of Oak Bank, an Illinois state-chartered…
2018Acquisition
Wintrust completed its acquisition of Veterans First Mortgage, a Utah-based corporation with approximately…
FY2016Financial
Profitable every year on record
10 consecutive profitable years in our data
FY2016Financial
Revenue already above $1B
$1.14B in first reported year
2008Acquisition
The bank used the 2008 financial crisis to acquire small troubled banks in the Chicago area, backed by its…

Achievements

Verifiable track record, straight from the reported numbers.

$10 000 invested in 2021 would be worth ~$17 824 today — price return only

$4.2B revenue in FY2025

Revenue up 6.1% year over year

Profitable 10 years in a row

Positive free cash flow 5 years in a row

5 902 employees

ROIC of 17.4%

Strengths & watch-outs

What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.

Strengths

Strongly profitable — 20.7% net margin
Strong cash conversion — FCF is 36.2% of revenue
High returns on invested capital (ROIC 17.4%)

Watch-outs

Nothing stands out as a concern in the available data.

Qualifications

The basics a company should meet before you research it further. Each check uses the reported numbers.

9 of 11 checks passed

Revenue growing — the company sells more than a year ago+6.1% YoY
Profitable — makes more than it spends$900M TTM
Profit growing — earnings are higher than last year+12.7% YoY
Generates cash — cash left after running and investing$1.57B TTM
Debt under control — could handle its obligations~2.7y of cash flow to repay
Established company — not a micro-cap — lower blow-up risk$9.66B market cap
Not printing shares — share count not ballooning — you keep your slice+17.0% shares over ~5y
Proven track record — years of profitability behind it10/10 profitable years
Financially stable — balance sheet not near distresshealth score 25/100
Pays a dividend — returns cash to shareholdersyield 1.91%
Valuation not extreme — price not wildly above earningsP/E 10.4

Peer comparisonWintrust Financial Corp vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾

Company	Market cap	P/E	Revenue growth	Net margin	Profile
WTFC this company	$9.7B	10.4	+6.1%	20.7%	Strained
BRK.A Berkshire Hathaway Inc.	$1.1T	11.6	+3.9%	22.3%	Mixed
BRK.B Berkshire Hathaway	$1.1T	11.6	+0.0%	18.0%	Strong
JPM JPMorgan Chase & Co.	$886.2B	13.6	+13.5%	32.6%	Strained
V VISA Inc.	$723.9B	31.9	+14.4%	50.8%	Solid
MA Mastercard Incorporated	$516.4B	31.7	+16.0%	46.3%	Mixed
BAC Bank of America Corporation	$380.4B	11.3	+15.9%	27.8%	Mixed

Head-to-head: WTFC vs BRK.A · WTFC vs BRK.B · WTFC vs JPM

References

What covering analysts publish about the company — information only, not a recommendation.

Strong buy 4Buy 11Hold 5

Appendix · Financial records

The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.

Profit & lossRevenue $4.35B · net income $900M (TTM)Open ▾

Profit & loss

Revenue and profit over the company's career — the income statement, visualised.

RevenueNet income

Revenue (TTM)

$4.35B

YoY 6.1%

Net income (TTM)

$900M

Margin 20.7%

Operating margin

38.9%

P/E ratio

10.4

Dividend yield

1.91%

Income statement — full detail

Figures in USD billions · EPS in USD

	2020	2021	2022	2023	2024	2025
Revenue	0.2	0.2	0.2	3.3	4.0	4.2
Gross profit	—	—	—	—	—	—
Operating income (EBIT)	—	0.6	0.7	0.8	0.9	1.1
Net income	0.3	0.5	0.5	0.6	0.7	0.8
EPS (diluted)	5.05	8.07	8.48	10.03	10.74	12.13

Cash flowFree cash flow $1.57B · operating cash flow $1.64B (TTM)Open ▾

Cash flow statement

Cash generated by the business and what is left after investment — year by year.

Operating cash flowFree cash flow

Free cash flow (TTM)

$1.57B

Margin 36.2%

Operating cash flow (TTM)

$1.64B

FCF margin

36.7%

Cash flow statement — full detail

Figures in USD billions

	2020	2021	2022	2023	2024	2025
Operating cash flow	-0.5	1.1	1.4	0.7	0.7	0.9
Capital expenditure	-0.1	-0.1	-0.1	-0.0	-0.1	-0.0
Free cash flow	-0.6	1.1	1.3	0.7	0.6	0.9
FCF margin	-342.2%	518.3%	607.0%	21.0%	16.0%	20.3%

Balance sheetAssets $71.1B · net debt $4.28B (FY2025)Open ▾

Balance sheet

How the balance sheet is built — what it owns versus how it is financed.

How $71.1B of assets is financed

90%

Liabilities $63.9B — borrowed moneyEquity $7.26B — owners' stake

Cash vs debt

Total debt $4.75B − cash $468M = net debt $4.28B

Cash on hand covers 10% of debt.

Debt repayment

0.0 yrs

Years of free cash flow to clear net debt

ROE

12.3%

Profit per $1 of equity

Balance sheet — full detail

Figures in USD billions

	2020	2021	2022	2023	2024	2025
Cash & equivalents	—	1.1	0.5	0.4	0.5	0.5
Total assets	45.1	50.1	52.9	56.3	64.9	71.1
Total liabilities	41.0	45.6	48.2	50.9	58.5	63.9
Total debt	—	2.5	3.9	3.9	4.5	4.7
Equity	4.1	4.5	4.8	5.4	6.3	7.3
Net debt	—	1.4	3.5	3.5	4.0	4.3

Want the live picture — intraday moves, valuation history and full analysis?

Deeper analysis of WTFC on PreMarketPrice

Figures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $143.25 · market cap $9.66B.