Wintrust Financial Corporation

Dividend Per Share TTM ($)	1.65
Forward Annual Dividend Yield	1.87%
Ex Dividend Date (MM/DD/YYYY)	2/7/2024
Dividend Pay Date (MM/DD/YYYY)	2/22/2024
Dividend Yield (TTM)	1.71%
Forward Annual Dividend Rate ($)	1.80
Dividend Payout Ratio	14.64
Dividend Per Share 5 Year CAGR	0.00%

Analyst Estimates

EPS Estimate Current Year ($)	9.9
EPS Estimate Next Year ($)	9.97
EPS Estimate Next Quarter ($)	2.43
EPS Estimate Current Quarter ($)	2.42
Current Target Price ($)	116.0
Next 5 Year Growth Rate (%)
1 week Ago Target Price ($)	114.23
2 week Ago Target Price ($)	113.77
3 week Ago Target Price ($)	112.92

Financial Health

Cash Flow Per Share TTM ($)	12.11
Current Ratio	0.00
Quick Ratio	0.00
Debt to Equity Ratio (Last Quarter)	0.69
Long term debt per share (Last Quarter)	55.47
F Score	5.0

Technicals

RSI (14 Day)	39.63
14 Day SMA ($)	100.51
14 Day EMA ($)	99.19
Money Flow Index	44.03
Average True Range	2.16
50 Day SMA ($)	97.63
200 Day SMA ($)	86.47
ADX	21.05
MACD	1.70

Growth

Free Cash Flow QoQ Growth	0.00%
Free Cash Flow YoY Growth	0.00%
Revenue YoY Growth	0.00%
EPS QoQ Growth	0.00%
Revenue QoQ Growth	0.00%
EPS YoY Growth	0.00%

Profitability

Return on Assets TTM (%)	1.09
Profit Margin TTM (%)	-3.1
Return on Equity TTM (%)	11.96
Return on Capital TTM (%)	-0.53
Interest Coverage Ratio	0.00
Gross Margin TTM (%)

Peers

Stock	Dividend	Market Cap (B)	PE	Price ($)
BUSE	0.0328	2 B	12.6	28.07
FMBI	0.0267	2 B	13	21
OSBC	0.0142	1 B	18.7	14.08

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Financials

Income Statement

Balance Sheet

Cash Flow

WTFC Income Statement

Annual

	Dec-14	Dec-15	Dec-16	Dec-17	Dec-18	Dec-19	Dec-20	Dec-21	Dec-22	Dec-23
AccruedPreferredStockDividends	6 M	11 M	15 M	10 M	8 M	8 M	21 M	28 M	28 M	28 M
Amortization of intangibles	-5 M	-5 M	-5 M	-4 M	-5 M	12 M	11 M	8 M	6 M	5 M
Basic EPS from continuing operations	3.12	3.05	3.83	4.53	5.95	6.11	4.72	7.69	8.14	9.72
Basic EPS total	3.12	3.05	3.83	4.53	5.95	6.11	4.72	7.69	8.14	9.72
Basic weighted shares outstanding	47 M	48 M	50 M	55 M	56 M	57 M	58 M	57 M	59 M	61 M
CreditLossesProvision	21 M	33 M	34 M	30 M	35 M	54 M	214 M	59 M	79 M	114 M
Depreciation	-32 M	-41 M	-53 M	-63 M	-68 M	88 M	96 M	102 M	82 M	85 M
Depreciation unreconciled	5 M	5 M	5 M	4 M	5 M	12 M	11 M	8 M	6 M	6 M
DepreciationAndAmortization	5 M	5 M	5 M	4 M	5 M	12 M	11 M	8 M	6 M	6 M
Diluted EPS total	2.98	2.93	3.66	4.4	5.86	6.03	4.68	7.58	8.02	9.58
Diluted normalized net income/share	2.98	2.93	3.66	4.4	5.86	6.03	4.68	7.58	8.02	9.58
Diluted weighted shares outstanding	4 M	4 M	4 M	2 M	908000.0	762000.0	496000.0	58 M	60 M	62 M
Dividends paid per share	0.4	0.44	0.48	0.56	0.48	1.0	1.12	1.24	1.36	1.6
Equipment	30 M	33 M	37 M	38 M	43 M	52 M	68 M	88 M	96 M	105 M
FeesAndCommissions	114 M	142 M	160 M	11 M	16 M	12 M	20 M	32 M	21 M	17 M
GeneralAndAdministrativeExpense	64 M	74 M	75 M	72 M	80 M	9 M	25 M	27 M	29 M	71 M
ImpairmentOfCapitalAssets					-1 M			2 M	12 M
Income before tax	246 M	252 M	332 M	390 M	460 M	480 M	390 M	638 M	701 M	845 M
Income taxes	117 M	112 M	146 M	152 M	140 M	124 M	97 M	172 M	191 M	222 M
InsuranceAndClaims	64 M	74 M	75 M	72 M	80 M	9 M	25 M	27 M	29 M	71 M
Interest expense	-73 M	-77 M	-90 M	-114 M	-206 M	330 M	253 M	151 M	252 M	1,055 M
InterestExpenseForCapitalizedLeaseObligations						64000.0	155000.0	234000.0	291000.0	290000.0
InterestExpenseForDeposit	48 M	49 M	58 M	83 M	167 M	279 M	189 M	88 M	175 M	906 M
InterestExpenseForFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell										-500 M
InterestExpenseForLongTermDebt	23 M	24 M	28 M	26 M	39 M	51 M	64 M	62 M	77 M	149 M
InterestExpenseForLongTermDebtAndCapitalSecurities	23 M	24 M	28 M	26 M	39 M	51 M	64 M	62 M	77 M	149 M
InterestExpenseForShortTermDebt	2 M	4 M	4 M	5 M	9 M
InterestIncome	671 M	718 M	812 M	946 M	1,171 M	1,385 M	1,293 M	1,275 M	1,747 M	2,893 M
InterestIncomeAfterProvisionForLoanLoss	558 M	576 M	654 M	773 M	895 M	1,001 M	826 M	1,066 M	1,417 M	1,723 M
InterestIncomeFromDeposits	1 M	1 M	4 M	9 M	17 M	30 M	9 M	7 M	43 M	79 M
InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell	25000.0	4000.0	4000.0	2000.0	1000.0	700000.0	102000.0	173000.0	5 M	2 M
InterestIncomeFromInvestmentSecurities	57 M	65 M	67 M	68 M	93 M	114 M	107 M	103 M	170 M	255 M
InterestIncomeFromLeases	163000.0	979000.0	3 M	6 M	9 M	47 M	48 M	54 M	56 M	53 M
InterestIncomeFromLoans	613 M	652 M	741 M	857 M	1,045 M	1,228 M	1,157 M	1,134 M	1,508 M	2,541 M
InterestIncomeFromLoansAndLease	613 M	653 M	744 M	862 M	1,054 M	1,276 M	1,205 M	1,187 M	1,563 M	2,594 M
InterestIncomeFromOtherMoneyMarketInvestments	79000.0	108000.0	75000.0	25000.0
InterestIncomeFromSecurities	57 M	65 M	67 M	68 M	93 M	114 M	107 M	103 M	170 M	255 M
InterestIncomeFromTradingAccountSecurities				25000.0	43000.0	39000.0	37000.0	10000.0	22000.0	41000.0
MarketingExpense	14 M	22 M	25 M	31 M	41 M	49 M	36 M	47 M	59 M	65 M
Net income from total operations	151 M	157 M	207 M	258 M	368 M	356 M	293 M	466 M	510 M	623 M
NetIncomeCommonStockholders	145 M	146 M	192 M	248 M	360 M	347 M	272 M	438 M	482 M	595 M
NetIncomeContinuousOperations	151 M	157 M	207 M	258 M	368 M	356 M	293 M	466 M	510 M	623 M
NetInterestIncome	578 M	609 M	688 M	802 M	930 M	1,055 M	1,040 M	1,125 M	1,495 M	1,838 M
NetOccupancyExpense	43 M	49 M	51 M	53 M	58 M	64 M	70 M	74 M	71 M	77 M
NonInterestExpense	-547 M	-628 M	-682 M	-732 M	-826 M	928 M	1,040 M	1,133 M	1,177 M	1,312 M
NonInterestIncome	215 M	272 M	325 M	320 M	356 M	407 M	604 M	586 M	461 M	434 M
OccupancyAndEquipment	72 M	82 M	88 M	91 M	101 M	117 M	138 M	162 M	167 M	182 M
Other special charges	-10 M	-16 M	-17 M	-18 M	-13 M	-158 M	-372 M	-291 M	23 M	22 M
OtherCustomerServices	71 M			12 M	16 M	12 M	20 M	32 M	21 M	17 M
OtherGandA	64 M	74 M	75 M	72 M	80 M	9 M	25 M	27 M	29 M	71 M
OtherInterestExpense	-73 M	-77 M	-90 M	-114 M	-206 M	-1,055 M	-1,040 M	-1,125 M	-1,495 M	-1,838 M
OtherInterestIncome	23 M
OtherNonInterestExpense	19 M	27 M	29 M	31 M	35 M	93 M	101 M	88 M	111 M	123 M
OtherNonInterestIncome	102 M	126 M	141 M	291 M	346 M	378 M	585 M	563 M	402 M	381 M
OtherunderPreferredStockDividend	6 M	11 M	15 M	10 M	8 M	8 M	21 M	28 M	28 M	28 M
PreferredStockDividends	6 M	11 M	15 M	10 M	8 M	8 M	21 M	28 M	28 M	28 M
ProfessionalExpenseAndContractServicesExpense	16 M	18 M	20 M	28 M	32 M	27 M	27 M	29 M	33 M	35 M
RentAndLandingFees	142000.0	2 M
Revenue per share	5 M	5 M	5 M	4 M	5 M	12 M	11 M	8 M	6 M	6 M
SalariesAndWages	336 M	382 M	405 M	430 M	480 M	546 M	626 M	692 M	696 M	748 M
SecuritiesActivities	91 M	115 M	129 M	-845000.0	11000.0	2 M	447000.0	277000.0	-9 M	1 M
Selling Gen & administrative expense	413 M	478 M	505 M	533 M	601 M	604 M	687 M	766 M	784 M	884 M
SellingAndMarketingExpense	14 M	22 M	25 M	31 M	41 M	49 M	36 M	47 M	59 M	65 M
ServiceChargeOnDepositorAccounts	23 M	27 M	31 M	35 M
Special income/charges	-19 M	-27 M	-29 M	-31 M	-35 M	-93 M	-101 M	-88 M	-111 M	-123 M
Total common shares outstanding	47 M	48 M	52 M	56 M	57 M	57 M	57 M	57 M	61 M	61 M
Total net income	151 M	157 M	207 M	258 M	368 M	356 M	293 M	466 M	510 M	623 M
Total ordinary shares	61 M	61 M	61 M	61 M	61 M	61 M	61 M	61 M	61 M	61 M
Total revenues	793 M	880 M	1,014 M	1,122 M	1,286 M	1,462 M	1,644 M	1,711 M	1,956 M	2,272 M
TotalRevenue	793 M	880 M	1,014 M	1,122 M	1,286 M	1,462 M	1,644 M	1,711 M	1,956 M	2,272 M
TradingGainLoss	2 M	247000.0	-91000.0	845000.0		158000.0	1 M	-245000.0	-4 M	-1 M

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Wintrust Financial Corporation

Sector: Financial Services

Industry: Banks - Regional - US

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Valuation

Price per Sales TTM ($)

Price per Book TTM ($)

PE Ratio (TTM)

Book Value per Share ($)

5 Year PE Range

Returns

7 Day Return

1 Month Return

3 Month Return

1 Year Return

3 Year Return

5 Year Return

YTD Return

Risk

Custom Beta One Year

Custom Beta Three Years

Beneish M Score

Altman Z Score

Ranks

MarketXLS Value Score

MarketXLS Quality Score

MarketXLS Technical Score

MarketXLS Rank

Dividends

Dividend Per Share TTM ($)

Forward Annual Dividend Yield

Ex Dividend Date (MM/DD/YYYY)

Dividend Pay Date (MM/DD/YYYY)

Dividend Yield (TTM)

Forward Annual Dividend Rate ($)

Dividend Payout Ratio

Dividend Per Share 5 Year CAGR

Analyst Estimates

EPS Estimate Current Year ($)

EPS Estimate Next Year ($)

EPS Estimate Next Quarter ($)

EPS Estimate Current Quarter ($)

Current Target Price ($)

Next 5 Year Growth Rate (%)

1 week Ago Target Price ($)

2 week Ago Target Price ($)

3 week Ago Target Price ($)

Financial Health

Cash Flow Per Share TTM ($)

Current Ratio

Quick Ratio

Debt to Equity Ratio (Last Quarter)

Long term debt per share (Last Quarter)

F Score

Technicals

RSI (14 Day)

14 Day SMA ($)

14 Day EMA ($)

Money Flow Index

Average True Range

50 Day SMA ($)

200 Day SMA ($)

ADX

MACD

Growth

Free Cash Flow QoQ Growth

Free Cash Flow YoY Growth

Revenue YoY Growth

EPS QoQ Growth

Revenue QoQ Growth

EPS YoY Growth

Profitability

Return on Assets TTM (%)

Profit Margin TTM (%)

Return on Equity TTM (%)

Return on Capital TTM (%)

Interest Coverage Ratio

Gross Margin TTM (%)

Peers

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You are invited to join our Discord Channel.

Interact, learn, and grow with experts in the markets!