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Company Analysis

Wintrust Financial Corporation WTFCP

A comprehensive view of key metrics, scores, and financial health for Wintrust Financial Corporation

Overview of Wintrust Financial Corporation

WTFCP
Financial Services Banks - Regional
Wintrust Financial Corporation (WTFCP), in the Banks - Regional industry.
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Previous close
Enterprise Value
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Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 6%
Confidence: 2%
Updated: Mar 8
Top Beats

Quick Facts

Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$3.5B
20.2%%
Interest Expense
$1.5B
Net Interest Income
$2.0B
6.8%%
Total Revenue
$4.0B
37.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.0%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$147.2M
21.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
Analysis based on partial data. Some metrics unavailable for complete assessment.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Wintrust Financial Corporation 's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
55
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 52% Coverage
Trade-Off Triangle Visualization A ternary plot showing WTFCP's balance between Growth (46.2%), Profitability (25.4%), and Safety (28.4%). Growth 46% Safety 28% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

79th percentile vs peers
79
Key Signals
Asset Growth YoY 15.3% 87p NII Growth YoY 6.8% 70p
Strengths
  • Asset Growth YoY in top 20% of peers (15.3%, 87th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

43th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
49
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Wintrust Financial Corporation .

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Fair Value Range Current: $-
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