WTFC$130.44
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Powered by LiveAIOverall Analysis
BuyWintrust Financial Corporation (WTFC) presents a solid fundamental profile with consistent profitability and a strong balance sheet, supported by a dividend. While current technical indicators suggest a cautious short-term outlook, the company's long-term growth trajectory and financial stability warrant consideration.
Thematic
As a diversified financial services provider, Wintrust operates within a stable but mature industry. Key themes like digital banking adoption and regulatory changes influence its environment, but it lacks the disruptive innovation often associated with high thematic scores.
Fundamental
Wintrust Financial Corporation demonstrates strong profitability, with robust net margins and consistent revenue growth over recent years. Its balance sheet is solid, characterized by increasing assets and manageable liabilities, supported by a healthy cash position and consistent dividend payouts.
Technical
The stock is currently trading below its key short-term moving averages and exhibits mixed signals from oscillators. While the long-term trend appears to be upward, near-term headwinds suggest potential for continued sideways movement or a slight pullback.
| Factor | Score |
|---|---|
| Digital Transformation | 60 |
| Economic Sensitivity | 70 |
| Regulatory Landscape | 65 |
| Community Banking Focus | 60 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 95 |
| Growth | 80 |
| Balance Sheet Health | 85 |
| Cash Flow | 80 |
| Dividends | 75 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 65 |
| Support & Resistance | 60 |
| Volume Confirmation | 75 |
| Oscillator Signals | 70 |
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Powered by LiveAIBullish Points (7)
Attractive P/E Ratio
The trailing Price-to-Earnings (P/E) ratio of 16.3 is lower than the industry average, suggesting the stock may be undervalued relative to its earnings.
Consistent Earnings Growth
The company has a history of beating earnings estimates, with positive surprises in most recent quarters, indicating strong operational performance.
Bearish Points (7)
Increasing P/S Ratio
The Price-to-Sales (P/S) ratio has increased from 3.3 in 2021 to 4.7 trailing twelve months (TTM), potentially indicating rising valuation expectations that may be hard to sustain.
Missed Earnings Estimates
The company missed earnings estimates in Q4 2024 (-1.44% surprise) and Q3 2024 (-4.03% surprise), suggesting potential challenges in meeting future earnings expectations.
Calendar
May 2025
8
Ex-Dividend Date
May 2025
22
Next Dividend Date
October 2025
21
Next Earnings Date
H: $2.89
A: $2.70
L: $2.52
H: 697.90M
A: 687.86M
L: 679.10M
Profile
Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through 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, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides 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. 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, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
Seasonals
Price Target
154.31 USD
The 39 analysts offering 1 year price forecasts for WTFC have a max estimate of 170.00 and a min estimate of 138.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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