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WTFC (Wintrust Financial) Return-on-Tangible-Asset : 1.17% (As of Dec. 2024)


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What is Wintrust Financial Return-on-Tangible-Asset?

Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Wintrust Financial's annualized Net Income for the quarter that ended in Dec. 2024 was $741 Mil. Wintrust Financial's average total tangible assets for the quarter that ended in Dec. 2024 was $63,412 Mil. Therefore, Wintrust Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2024 was 1.17%.

The historical rank and industry rank for Wintrust Financial's Return-on-Tangible-Asset or its related term are showing as below:

WTFC' s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.73   Med: 1   Max: 1.18
Current: 1.13

During the past 13 years, Wintrust Financial's highest Return-on-Tangible-Asset was 1.18%. The lowest was 0.73%. And the median was 1.00%.

WTFC's Return-on-Tangible-Asset is ranked better than
63.84% of 1579 companies
in the Banks industry
Industry Median: 0.9 vs WTFC: 1.13

Wintrust Financial Return-on-Tangible-Asset Historical Data

The historical data trend for Wintrust Financial's Return-on-Tangible-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Wintrust Financial Return-on-Tangible-Asset Chart

Wintrust Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.73 0.99 1.00 1.15 1.16

Wintrust Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Return-on-Tangible-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.33 1.05 1.12 1.17 1.17

Competitive Comparison of Wintrust Financial's Return-on-Tangible-Asset

For the Banks - Regional subindustry, Wintrust Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Wintrust Financial's Return-on-Tangible-Asset Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Wintrust Financial's Return-on-Tangible-Asset distribution charts can be found below:

* The bar in red indicates where Wintrust Financial's Return-on-Tangible-Asset falls into.


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Wintrust Financial Return-on-Tangible-Asset Calculation

Wintrust Financial's annualized Return-on-Tangible-Asset for the fiscal year that ended in Dec. 2024 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=695.045/( (55580.373+63961.036)/ 2 )
=695.045/59770.7045
=1.16 %

Wintrust Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2024 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(Q: Dec. 2024 )  (Q: Sep. 2024 )(Q: Dec. 2024 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(Q: Dec. 2024 )  (Q: Sep. 2024 )(Q: Dec. 2024 )
=741.448/( (62863.778+63961.036)/ 2 )
=741.448/63412.407
=1.17 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data, the Net Income data used here is four times the quarterly (Dec. 2024) net income data.


Wintrust Financial  (NAS:WTFC) Return-on-Tangible-Asset Explanation

Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.


Be Aware

Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the company’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a company’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).

Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.


Wintrust Financial Return-on-Tangible-Asset Related Terms

Thank you for viewing the detailed overview of Wintrust Financial's Return-on-Tangible-Asset provided by GuruFocus.com. Please click on the following links to see related term pages.


Wintrust Financial Business Description

Traded in Other Exchanges
Address
9700 West Higgins Road, Suite 800, Rosemont, IL, USA, 60018
Wintrust Financial Corp is a financial holding company that provides community-oriented, personal, and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and western Michigan. The company provides specialty finance services, including financing for the payment of property and casualty insurance premiums and life insurance premiums, and wealth management services to customers in its market area. The company's operations consist of three primary segments: community banking, specialty finance, and wealth management. The company generates the majority of its revenue from the community banking segment.
Executives
David Eric Lee officer: EXECUTIVE VICE PRESIDENT 9700 W HIGGINS ROAD 8TH FLOOR, ROSEMONT IL 60018
Jeffrey D Hahnfeld officer: EVP-CONTROLLER & CHIEF ACC OFF WINTRUST FINANCIAL CORP, 9700 W HIGGINS ROAD 8TH FLOOR, ROSEMONT IL 60018
David A Dykstra officer: Senior Vice President & COO
David L Stoehr officer: Chief Financial Officer
Richard B Murphy officer: Executive Vice President 406 HUDSON, CLARENDON HILLS IL 60514
Kathleen M Boege officer: EVP, GENERAL COUNSEL AND SEC 2 NORTH RIVERSIDE PLAZA, SUITE 1300, CHICAGO IL 60606
Edward J Wehmer director, officer: President 454 BUENA ROAD, LAKE FOREST IL 60045
Karin Gustafson Teglia director WINTRUST FINANCIAL CORPORATION, 9700 W HIGGINS RD 8TH FLOOR, ROSEMONT IL 60018
Timothy Crane officer: EXECUTIVE VICE PRESIDENT 1228 OAK STREET, WINNETKA IL 60093
Hackett H Patrick Jr director ONE NORTH WACKER DRIVE, SUITE 4200, CHICAGO IL 60606
Brian A Kenney director GATX CORP, 500 WEST MONROE STREET, CHICAGO IL 60661
Washington Alex E Iii director 9700 W, HIGGINS RD 8TH FLOOR, ROSEMONT IL 60018
Thomas P Zidar officer: EXECUTIVE VICE PRESIDENT 640 WAGNER ROAD, GLENVIEW IL 60025
Elizabeth H. Connelly director 200 N. MILWAUKEE AVENUE, VERNON HILLS IL 60061
Suzet M Mckinney director 9700 W. HIGGINS ROAD, 8TH FLOOR, ROSEMONT IL 60018