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Wintrust Financial Corporation

Financial Services US WTFC

124.375USD
1.95(1.59%)

Last update at 2025-06-24T16:46:00Z

Day Range

123.36125.20
LowHigh

52 Week Range

62.20104.82
LowHigh

Fundamentals

  • Previous Close 122.43
  • Market Cap6016.65M
  • Volume112163
  • P/E Ratio10.10
  • Dividend Yield1.84%
  • Revenue TTM2196.71M
  • Revenue Per Share TTM35.85
  • Gross Profit TTM 1877.13M
  • Diluted EPS TTM9.65

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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 700.55M 637.80M 389.78M 480.10M 460.13M
Minority interest - - - - -
Net income 509.68M 466.15M 292.99M 355.70M 343.17M
Selling general administrative 724.75M 718.70M 651.08M 555.62M 497.29M
Selling and marketing expenses 59.42M 47.27M 36.30M 48.59M 41.14M
Gross profit 1956.01M 1707.58M 1641.00M 1459.17M 1316.79M
Reconciled depreciation 44.12M 48.61M 96.37M 88.36M 67.67M
Ebit 124.51M 637.80M 389.78M 480.10M 699.83M
Ebitda 168.64M 686.41M 438.71M 527.71M 733.71M
Depreciation and amortization 44.12M 48.61M 48.93M 47.60M 33.88M
Non operating income net other - - - - -
Operating income 124.51M 637.80M 389.78M 480.10M 666.04M
Other operating expenses 330.73M 1069.78M 1251.22M 979.07M 650.75M
Interest expense 252.08M 150.53M 253.11M 330.22M 205.91M
Tax provision 190.87M 171.65M 96.79M 124.40M 116.97M
Interest income 1747.44M 1275.48M 1293.02M 1385.14M 1170.81M
Net interest income 1495.36M 1124.96M 1039.91M 1054.92M 964.90M
Extraordinary items - - - - 1.21M
Non recurring - - - - -
Other items - - - - -
Income tax expense 190.87M 171.65M 96.79M 124.40M 116.97M
Total revenue 1956.01M 1707.58M 1641.00M 1459.17M 1316.79M
Total operating expenses 192.27M -1069.78400M -1251.21600M -979.07200M -650.74900M
Cost of revenue 138.47M - - - 240.74M
Total other income expense net 576.04M 584.11M 342.18M 433.06M -205.90700M
Discontinued operations - - - - -
Net income from continuing ops 509.68M 466.15M 292.99M 604.50M 577.10M
Net income applicable to common shares 481.72M 438.19M 271.61M 347.50M 334.97M
Preferred stock and other adjustments - 27.96M 21.38M 8.20M 8.20M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 56259.93M 52949.65M 50142.14M 45080.77M 36620.58M
Intangible assets 22.89M 22.19M 28.31M 36.04M 47.06M
Earning assets - - - - 7166.64M
Other current assets 3227.12M -5100.33200M -2092.85400M 30111.60M 24015.61M
Total liab 50860.41M 48152.81M 45643.46M 40964.77M 32929.33M
Total stockholder equity 5399.53M 4796.84M 4498.69M 4115.99M 3691.25M
Deferred long term liab - - - - -
Other current liab 35522.81M -1157.48000M -1122.15900M -1296.77300M -1045.95800M
Common stock 61.27M 60.80M 58.89M 58.47M 57.95M
Capital stock 473.77M 473.30M 471.39M 470.97M 182.95M
Retained earnings 3345.40M 2849.01M 2447.53M 2080.01M 1899.63M
Other liab - 1119.63M 656.39M 749.20M 692.71M
Good will 656.67M 653.52M 655.15M 645.71M 645.22M
Other assets - 46606.09M 32412.72M 30111.60M 24015.61M
Cash 2507.73M 2479.63M 5783.75M 5124.94M 2450.73M
Cash and equivalents - - - - -
Total current liabilities 37362.17M 779.14M 1122.16M 1296.77M 1045.96M
Current deferred revenue 0.56M - - - -
Net debt 1155.59M 1414.02M -3358.04200M -2687.51300M -668.02200M
Short term debt 38.87M 290.00M 1241.07M 62.99M 6.47M
Short long term debt 0.00000M 290.00M 0.00000M 11.37M 20.52M
Short long term debt total 3663.32M 3893.64M 2425.71M 2437.43M 1782.70M
Other stockholder equity 1941.59M 1902.17M 1575.67M 1549.63M 1643.35M
Property plant equipment - 764.80M 766.40M 768.81M 985.52M
Total current assets 3227.12M 4792.69M 10675.83M 9549.67M 6634.65M
Long term investments 7503.81M 6995.08M 5361.65M 4328.60M 31262.46M
Net tangible assets - 3708.63M 3402.73M 3021.75M 2873.97M
Short term investments 3291.45M 3243.02M 2327.79M 3055.84M 3106.21M
Net receivables 2253.21M 4170.37M 2564.28M 1368.89M 1077.71M
Long term debt 3649.89M 3603.64M 2425.71M 1209.00M 1107.84M
Inventory -1829.80900M 9.90M -1454.09900M 16.56M 15.18M
Accounts payable 1799.92M 1646.62M 1122.16M 1233.79M 1039.49M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -361.23100M -427.63600M 4.09M 15.38M -34.67800M
Additional paid in capital - - - - -
Common stock total equity - - 58.89M 58.47M 57.95M
Preferred stock total equity - - 412.50M 412.50M 125.00M
Retained earnings total equity - - 2447.53M 2080.01M 1899.63M
Treasury stock - - -109.90300M -100.36300M -6.93100M
Accumulated amortization - - - - -
Non currrent assets other 2217.01M -7138.63900M -7053.59300M -5419.49900M -5970.31900M
Deferred long term asset charges - - - - -
Non current assets total 53032.82M 1550.87M 7053.59M 5419.50M 5970.32M
Capital lease obligations - - - - -
Long term debt total - - 1184.64M 1209.00M 1107.84M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Investments -3170.24100M -3490.76900M -4597.06100M -7129.72100M -3840.77500M
Change to liabilities - 0.00000M 78.47M 46.92M -11.89800M
Total cashflows from investing activities - -3490.76900M -5928.85900M -7182.42400M -4018.94900M
Net borrowings - 1200.13M -27.78400M 88.60M 312.10M
Total cash from financing activities -27.96400M 2195.53M 4886.72M 7736.89M 3647.23M
Change to operating activities - 387.08M 69.84M 46.06M -15.86200M
Net income 1837.86M 509.68M 466.15M 292.99M 355.70M
Change in cash 1815.40M 79.76M 88.73M 36.00M -105.72400M
Begin period cash flow 489.65M 411.20M 322.47M 286.48M 392.20M
End period cash flow 1815.40M 490.97M 411.20M 322.47M 286.48M
Total cash from operating activities 1843.36M 1375.00M 1130.87M -518.46500M 265.99M
Issuance of capital stock 0.00800M 285.73M -0.03000M 277.61M -
Depreciation 5.50M 82.07M 101.80M 96.37M 88.36M
Other cashflows from investing activities - -88.42100M -1274.72300M 10.94M -96.15300M
Dividends paid 27.96M 108.21M 98.63M 85.89M 65.11M
Change to inventory - - - - -
Change to account receivables -377.51900M -81.90400M 179.11M -132.73300M -136.98600M
Sale purchase of stock -1.96600M -0.30400M -9.54000M -93.43200M -1.29700M
Other cashflows from financing activities 27.96M 2018.32M -16.58300M 7916.21M 3713.64M
Change to netincome - 487.82M 383.09M -450.06800M -8.28100M
Capital expenditures 45.20M 53.45M 57.08M 63.65M 82.02M
Change receivables - - - - -
Cash flows other operating - - 94.97M -515.56100M -164.49200M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - 88.73M 36.00M -105.72400M
Change in working capital -106.16300M 295.43M 257.20M -85.41200M -148.26000M
Stock based compensation 32.43M 31.75M 16.18M -4.93800M 11.30M
Other non cash items -1843.36200M 434.02M 292.41M -813.41600M -85.66700M
Free cash flow 1843.36M 1321.55M 1073.80M -582.11100M 183.97M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
WTFC
Wintrust Financial Corporation		 1.95 1.59% 124.38 10.10 10.08 2.78 1.20
HDB
HDFC Bank Limited ADR		 0.55 0.73% 75.53 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.40 1.16% 34.82 6.61 5.68 0.48 0.77 3.43
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 6.50 6.10 5.67 0.44 0.77 3.43
IBN
ICICI Bank Limited		 0.28 0.87% 33.02 17.79 16.95 0.07 3.08

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Profile

Wintrust Financial Corporation operates as a financial holding company. It operates in 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 (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers 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. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. 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; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty premium financing; as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides wealth management services, such as trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

Wintrust Financial Corporation

9700 West Higgins Road, Rosemont, IL, United States, 60018

Key Executives

Name Title Year Born
Mr. Edward Joseph Wehmer Founder, CEO & Director 1954
Mr. Timothy S. Crane Pres 1962
Mr. David L. Stoehr Exec. VP & CFO 1960
Mr. David Alan Dykstra Vice Chairman & COO 1961
Mr. Richard B. Murphy Vice Chairman & Chief Lending Officer 1960
Mr. Tony Buttrick Exec. VP & Chief Information Officer NA
Ms. Kathleen M. Boege Exec. VP, Gen. Counsel & Corp. Sec. 1967
Ms. Norah Larke Sr. VP & Chief HR Officer NA
Mr. Thomas Patrick Zidar Exec. VP & Market Head of Wealth Management Services 1969
Mr. Guy W. Eisenhuth Exec. VP & Regional Market Head 1956

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