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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.77
WTFC's Cash to Debt is ranked lower than
58% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. WTFC: 0.77 )
Ranked among companies with meaningful Cash to Debt only.
WTFC' s 10-Year Cash to Debt Range
Min: 0.15  Med: 0.64 Max: N/A
Current: 0.77
Equity to Asset 0.11
WTFC's Equity to Asset is ranked higher than
60% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WTFC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
WTFC' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.08 Max: 0.11
Current: 0.11
0.05
0.11
Interest Coverage 3.39
WTFC's Interest Coverage is ranked higher than
71% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. WTFC: 3.39 )
Ranked among companies with meaningful Interest Coverage only.
WTFC' s 10-Year Interest Coverage Range
Min: 0.03  Med: 0.54 Max: 3.39
Current: 3.39
0.03
3.39
F-Score: 5
WACC vs ROIC
7.06%
7.38%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 29.86
WTFC's Operating margin (%) is ranked lower than
51% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. WTFC: 29.86 )
Ranked among companies with meaningful Operating margin (%) only.
WTFC' s 10-Year Operating margin (%) Range
Min: -10.27  Med: 24.35 Max: 33.82
Current: 29.86
-10.27
33.82
Net-margin (%) 18.50
WTFC's Net-margin (%) is ranked lower than
62% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. WTFC: 18.50 )
Ranked among companies with meaningful Net-margin (%) only.
WTFC' s 10-Year Net-margin (%) Range
Min: -4.46  Med: 15.43 Max: 21.6
Current: 18.5
-4.46
21.6
ROE (%) 7.38
WTFC's ROE (%) is ranked lower than
58% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. WTFC: 7.38 )
Ranked among companies with meaningful ROE (%) only.
WTFC' s 10-Year ROE (%) Range
Min: -2.41  Med: 8.61 Max: 15.14
Current: 7.38
-2.41
15.14
ROA (%) 0.81
WTFC's ROA (%) is ranked lower than
54% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. WTFC: 0.81 )
Ranked among companies with meaningful ROA (%) only.
WTFC' s 10-Year ROA (%) Range
Min: -0.17  Med: 0.64 Max: 0.92
Current: 0.81
-0.17
0.92
Revenue Growth (3Y)(%) 2.70
WTFC's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. WTFC: 2.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WTFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 9.30 Max: 50.8
Current: 2.7
0
50.8
EBITDA Growth (3Y)(%) 17.80
WTFC's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. WTFC: 17.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WTFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 6.50 Max: 100.7
Current: 17.8
0
100.7
EPS Growth (3Y)(%) 19.50
WTFC's EPS Growth (3Y)(%) is ranked higher than
71% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. WTFC: 19.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WTFC' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.9  Med: 20.90 Max: 45.2
Current: 19.5
-34.9
45.2
» WTFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

WTFC Guru Trades in Q3 2014

David Dreman 200,322 sh (+0.50%)
Ken Fisher 1,431,188 sh (+0.20%)
Bill Frels 91,100 sh (unchged)
John Keeley 1,404,066 sh (-0.06%)
Jim Simons 8,700 sh (-88.55%)
» More
Q4 2014

WTFC Guru Trades in Q4 2014

Jim Simons 52,900 sh (+508.05%)
Bill Frels 103,600 sh (+13.72%)
David Dreman 211,289 sh (+5.47%)
Ken Fisher 1,406,058 sh (-1.76%)
John Keeley 1,352,096 sh (-3.70%)
» More
Q1 2015

WTFC Guru Trades in Q1 2015

James Barrow 59,505 sh (New)
Paul Tudor Jones 10,400 sh (New)
Jim Simons 78,200 sh (+47.83%)
Bill Frels 121,200 sh (+16.99%)
David Dreman 229,029 sh (+8.40%)
Ken Fisher 1,370,403 sh (-2.54%)
John Keeley 1,308,956 sh (-3.19%)
» More
Q2 2015

WTFC Guru Trades in Q2 2015

Paul Tudor Jones 18,200 sh (+75.00%)
Bill Frels 135,910 sh (+12.14%)
David Dreman 250,289 sh (+9.28%)
James Barrow 62,722 sh (+5.41%)
Ken Fisher 1,360,478 sh (-0.72%)
John Keeley 1,155,920 sh (-11.69%)
Jim Simons 60,000 sh (-23.27%)
» More
» Details

Insider Trades

Latest Guru Trades with WTFC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Wintrust Financial Corp

SymbolPriceYieldDescription
WTFPP1302.990.00
WTFCM25.440.00

Ratios

vs
industry
vs
history
P/E(ttm) 16.27
WTFC's P/E(ttm) is ranked lower than
67% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. WTFC: 16.27 )
Ranked among companies with meaningful P/E(ttm) only.
WTFC' s 10-Year P/E(ttm) Range
Min: 11.01  Med: 17.75 Max: 4015.71
Current: 16.27
11.01
4015.71
Forward P/E 13.87
WTFC's Forward P/E is ranked lower than
70% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. WTFC: 13.87 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.70
WTFC's PE(NRI) is ranked lower than
69% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. WTFC: 16.70 )
Ranked among companies with meaningful PE(NRI) only.
WTFC' s 10-Year PE(NRI) Range
Min: 11.03  Med: 18.01 Max: 2811
Current: 16.7
11.03
2811
P/B 1.18
WTFC's P/B is ranked lower than
62% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. WTFC: 1.18 )
Ranked among companies with meaningful P/B only.
WTFC' s 10-Year P/B Range
Min: 0.31  Med: 1.03 Max: 2.96
Current: 1.18
0.31
2.96
P/S 2.99
WTFC's P/S is ranked lower than
52% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. WTFC: 2.99 )
Ranked among companies with meaningful P/S only.
WTFC' s 10-Year P/S Range
Min: 0.67  Med: 2.53 Max: 5.8
Current: 2.99
0.67
5.8
PFCF 281.86
WTFC's PFCF is ranked lower than
100% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. WTFC: 281.86 )
Ranked among companies with meaningful PFCF only.
WTFC' s 10-Year PFCF Range
Min: 2.16  Med: 7.66 Max: 305.28
Current: 281.86
2.16
305.28
POCF 47.42
WTFC's POCF is ranked lower than
96% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. WTFC: 47.42 )
Ranked among companies with meaningful POCF only.
WTFC' s 10-Year POCF Range
Min: 1.75  Med: 6.24 Max: 51.36
Current: 47.42
1.75
51.36
EV-to-EBIT 11.34
WTFC's EV-to-EBIT is ranked higher than
62% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. WTFC: 11.34 )
Ranked among companies with meaningful EV-to-EBIT only.
WTFC' s 10-Year EV-to-EBIT Range
Min: 8.1  Med: 17.00 Max: 65.6
Current: 11.34
8.1
65.6
PEG 4.91
WTFC's PEG is ranked lower than
90% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. WTFC: 4.91 )
Ranked among companies with meaningful PEG only.
WTFC' s 10-Year PEG Range
Min: 0.69  Med: 1.75 Max: 35.21
Current: 4.91
0.69
35.21
Shiller P/E 20.88
WTFC's Shiller P/E is ranked lower than
70% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. WTFC: 20.88 )
Ranked among companies with meaningful Shiller P/E only.
WTFC' s 10-Year Shiller P/E Range
Min: 4.59  Med: 20.53 Max: 41.47
Current: 20.88
4.59
41.47
Days Sales Outstanding 245.51
WTFC's Days Sales Outstanding is ranked lower than
89% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. WTFC: 245.51 )
Ranked among companies with meaningful Days Sales Outstanding only.
WTFC' s 10-Year Days Sales Outstanding Range
Min: 159.81  Med: 258.16 Max: 1110.26
Current: 245.51
159.81
1110.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.84
WTFC's Dividend Yield is ranked lower than
92% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. WTFC: 0.84 )
Ranked among companies with meaningful Dividend Yield only.
WTFC' s 10-Year Dividend Yield Range
Min: 0.32  Med: 0.57 Max: 3.58
Current: 0.84
0.32
3.58
Dividend Payout 0.14
WTFC's Dividend Payout is ranked higher than
94% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. WTFC: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
WTFC' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.15 Max: 3
Current: 0.14
0.08
3
Dividend growth (3y) 30.50
WTFC's Dividend growth (3y) is ranked higher than
84% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. WTFC: 30.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
WTFC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 33.7
Current: 30.5
0
33.7
Yield on cost (5-Year) 1.11
WTFC's Yield on cost (5-Year) is ranked lower than
87% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. WTFC: 1.11 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WTFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.42  Med: 0.76 Max: 4.75
Current: 1.11
0.42
4.75
Share Buyback Rate -4.90
WTFC's Share Buyback Rate is ranked lower than
64% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. WTFC: -4.90 )
Ranked among companies with meaningful Share Buyback Rate only.
WTFC' s 10-Year Share Buyback Rate Range
Min: 0.3  Med: -10.50 Max: -22.2
Current: -4.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.53
WTFC's Price/Tangible Book is ranked lower than
72% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. WTFC: 1.53 )
Ranked among companies with meaningful Price/Tangible Book only.
WTFC' s 10-Year Price/Tangible Book Range
Min: 0.6  Med: 1.82 Max: 3.61
Current: 1.53
0.6
3.61
Price/Projected FCF 0.85
WTFC's Price/Projected FCF is ranked lower than
69% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. WTFC: 0.85 )
Ranked among companies with meaningful Price/Projected FCF only.
WTFC' s 10-Year Price/Projected FCF Range
Min: 0.23  Med: 1.43 Max: 25.66
Current: 0.85
0.23
25.66
Price/Median PS Value 1.18
WTFC's Price/Median PS Value is ranked lower than
66% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. WTFC: 1.18 )
Ranked among companies with meaningful Price/Median PS Value only.
WTFC' s 10-Year Price/Median PS Value Range
Min: 0.33  Med: 1.18 Max: 6.19
Current: 1.18
0.33
6.19
Price/Peter Lynch Fair Value 1.48
WTFC's Price/Peter Lynch Fair Value is ranked lower than
76% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. WTFC: 1.48 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WTFC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.63  Med: 1.05 Max: 3.65
Current: 1.48
0.63
3.65
Price/Graham Number 0.93
WTFC's Price/Graham Number is ranked lower than
61% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. WTFC: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
WTFC' s 10-Year Price/Graham Number Range
Min: 0.54  Med: 1.14 Max: 3.28
Current: 0.93
0.54
3.28
Earnings Yield (Greenblatt) (%) 8.72
WTFC's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. WTFC: 8.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WTFC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.5  Med: 5.90 Max: 12.3
Current: 8.72
1.5
12.3
Forward Rate of Return (Yacktman) (%) 17.30
WTFC's Forward Rate of Return (Yacktman) (%) is ranked higher than
56% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. WTFC: 17.30 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WTFC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -38.8  Med: 9.30 Max: 31.9
Current: 17.3
-38.8
31.9

Analyst Estimate

Dec15 Dec16
EPS($) 3.32 3.68
EPS without NRI($) 3.32 3.68

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:WTFPP.USA, WF2.Germany,
Wintrust Financial Corp was incorporated in the year 1992. The Company is a financial holding company engaged in the business of providing community-oriented, personal and commercial banking and wealth management services to customers located in the Chicago metropolitan area and in southeastern Wisconsin, through its fifteen wholly owned banking subsidiaries, as well as the origination and purchase of residential mortgages for sale into the secondary market through Wintrust Mortgage, a division of Barrington Bank and Trust Company, N.A. "Barrington Bank". The Company provides specialty finance services, including financing for the payment of commercial insurance premiums and life insurance premiums on a national basis through its wholly owned subsidiary, First Insurance Funding Corporation "FIFC", and short-term accounts receivable financing and outsourced administrative services through its wholly owned subsidiary, Tricom, Inc. of Milwaukee. It also provides wealth management services mainly to customers in its Market Area through three separate subsidiaries, including The Chicago Trust Company, N.A. "CTC", Wayne Hummer Investments, LLC "WHI" and Great Lakes Advisors, LLC. The Company faces competition in attracting and retaining deposits, making loans, and providing other financial services "including wealth management services" throughout its market area. Its competitors include national, regional and other community banks, and a wide range of other financial institutions such as credit unions, government-sponsored enterprises, mutual fund companies, insurance companies, factoring companies and other non-bank financial companies. The Company continues to be subject to supervision and regulation by the Federal Reserve under the BHC Act.
» More Articles for WTFC

Headlines

Articles On GuruFocus.com
Wintrust Financial Corp. Reports Operating Results (10-K) Mar 01 2011 
Wintrust Financial Corp. Reports Operating Results (10-Q) Nov 09 2009 
A Win For Wintrust Financial Sep 22 2009 
Wintrust Financial Corporation Announces Semi-Annual Dividend Jul 30 2009 
Wintrust Financial Corporation Reports Second Quarter 2009 Results Jul 29 2009 
Wintrust Financial Corporation Announces Semi-Annual Dividend Jan 29 2009 
Wintrust Financial Corporation Reports Fourth Quarter 2008 Results Jan 28 2009 
Wintrust Mortgage Corporation Acquires Mortgage Banking Assets of Professional Mortgage Partners Dec 23 2008 
John Keeley Buys ITC Holdings Corp., Tennant Company, Broadridge Financial Solutions Inc., Sells OMN Oct 23 2007 

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