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Wintrust Financial Corporation (WTFC)

合理估值
Financial ServicesBanks - RegionalUnited States

基本面

76

价格

$141.82

市值

$9.57B

第一部分 · 这家公司值多少

概览

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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No competitor list for this company yet.

资产负债表与流动性

营收

$2.86B

最近12个月(截至2026/6/30)

净利润

$900M

最近12个月(截至2026/6/30)

自由现金流

$860M

股东权益合计

$7.26B

负债合计

$63.88B

流动比率

-

利息覆盖率

0.82

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

银行合理估值

公允价值

$144.68

当前价格

$141.82

安全边际

+2.0%

公允价值区间

$99.38 - $189.98

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$177.73
现金流折现法(DCF):不适用于此类公司
市盈率法(P/E):$131.66
格雷厄姆成长公式:不适用于此类公司
盈利能力价值(EPV):不适用于此类公司
合理市净率(P/B):$168.25
股息折现模型(戈登模型):$49.20
P/FFO(运营资金):不适用于此类公司
周期中段收益:不适用于此类公司
市销率法(P/S):不适用于此类公司
分析师共识:买入 (15B / 5H / 0S)
最近财报超预期:+2.84%

估值指标

市盈率(P/E)

11.39

ROE

11.3%

市净率(P/B)

1.27

P/FCF

11.12

毛利率

-

ROIC

-

盈利能力雷达图

价值创造(经济护城河)

ROIC

-

WACC

9.6%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(5)

  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Overvalued)
  • Share Dilution 7.2%

不可用(5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-评分

6/9

信号混杂:部分领域需关注

score
criteria

盈利质量

1.83

高质量:盈利有现金流支撑

股权稀释

7.2%

正在发行新股,稀释所有权

机构持股

公司治理

管理团队

姓名职位年龄
Mr. Timothy S. CraneCEO, President & Director63
Mr. David Alan DykstraVice Chairman & COO64
Mr. Richard B. MurphyVice Chairman & Chief Lending Officer65
Mr. David L. StoehrExecutive VP & CFO65
Mr. Jeffrey D. HahnfeldExecutive VP, Controller & Chief Accounting Officer53
Mr. Mike RyanExecutive Vice President & Chief Information Officer-
Ms. Kathleen M. BoegeExecutive VP, Chief Legal Officer & Corporate Secretary58
Ms. Norah LarkeExecutive VP & Chief Human Resources Officer-
Mr. Thomas Patrick ZidarChairman and Senior Market Head of Wintrust Wealth Management & Mortgage56
Mr. David Eric LeeVice Chairman66

审计风险

3

董事会风险

1

薪酬风险

1

股东权利风险

5

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-26

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-08-05

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-07-20

    查看文件

via SEC EDGAR

损益历史

via SEC EDGAR

Latest News

Recent headlines for WTFC, sourced from Markets Gazette.

  • 4/21/2026NEUTRAL
    Wintrust 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