Wintrust Financial Corporation (WTFC)
Juste valeurFondamental
76
Prix
$141.46
Capitalisation boursière
$9.57B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
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.
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Direct competitors
Who this company fights with for the same customers
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Bilan & Liquidités
Chiffre d'affaires
$2.86B
12 derniers mois (au 30/06/2026)
Résultat net
$900M
12 derniers mois (au 30/06/2026)
Flux de trésorerie libre
$860M
Capitaux propres totaux
$7.26B
Passif total
$63.88B
Ratio de liquidité général
-
Couverture des intérêts
0.82
Dette/EBITDA
-
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$144.68
Prix actuel
$141.46
Marge de sécurité
+2.2%
Fourchette de juste valeur
$99.38 - $189.98
Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
11.39
ROE
11.3%
Ratio P/B
1.27
P/FCF
11.12
Marge brute
-
ROIC
-
Radar de rentabilité
Création de valeur (avantage concurrentiel)
ROIC
-
WACC
9.6%
ROIC − WACC
-
Critères d'analyse fondamentale
Réussi (18)
- EPS shows upward trend
- EPS CAGR 17.27%
- Price CAGR 7.07%
- P/FCF 11.12
- P/B Ratio 1.27
- Operating Margin 42.5%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 12.3%
- Revenue Growth 5Y 13.0%
- Analyst Consensus 75% Buy
- Earnings Surprise avg 4.1%
- PEG Ratio 0.56
- Earnings Quality (OCF/NI) 1.83
- Net Margin Trend 31.4% vs 28.8%
- Piotroski F-Score 6/9
Échoué (5)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Overvalued)
- Share Dilution 7.2%
Indisponible (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Score F de Piotroski
Signaux mixtes : certains domaines nécessitent attention
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Émission de nouvelles actions, diluant la participation
Participations institutionnelles
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| Mr. Timothy S. Crane | CEO, President & Director | 63 |
| Mr. David Alan Dykstra | Vice Chairman & COO | 64 |
| Mr. Richard B. Murphy | Vice Chairman & Chief Lending Officer | 65 |
| Mr. David L. Stoehr | Executive VP & CFO | 65 |
| Mr. Jeffrey D. Hahnfeld | Executive VP, Controller & Chief Accounting Officer | 53 |
| Mr. Mike Ryan | Executive Vice President & Chief Information Officer | - |
| Ms. Kathleen M. Boege | Executive VP, Chief Legal Officer & Corporate Secretary | 58 |
| Ms. Norah Larke | Executive VP & Chief Human Resources Officer | - |
| Mr. Thomas Patrick Zidar | Chairman and Senior Market Head of Wintrust Wealth Management & Mortgage | 56 |
| Mr. David Eric Lee | Vice Chairman | 66 |
Risque d'audit
3
Risque du conseil
1
Risque de rémunération
1
Risque droits des actionnaires
5
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Documents
- Voir le document
Rapport annuel (10-K)
Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.
Déposé le 2026-02-26
- Voir le document
Rapport trimestriel (10-Q)
Une mise à jour de la performance financière des trois derniers mois.
Déposé le 2026-08-05
- Voir le document
Rapport d'événement important (8-K)
Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.
Déposé le 2026-07-20
via SEC EDGAR
Historique des résultats
via SEC EDGAR
Latest News
Recent headlines for WTFC, sourced from Markets Gazette.
- 4/21/2026NEUTRALWintrust Financial Reports Q1 2026 Results: Full Earnings Call Transcript
Wintrust Financial Corporation has released its Q1 2026 earnings call transcript. While the full details of the financial performance are available within the transcript, the announcement itself is informational. Investors and analysts will need to review the transcript to discern specific financial metrics, strategic updates, and forward-looking guidance that could impact the company's valuation. The market's reaction will depend on the qualitative and quantitative information presented in the call.
via Markets Gazette