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Earnings transcript
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WTFC
Wintrust Financial Corporation
$139.6
-0.46
(-0.33%)
| Exchange: | NASDAQ |
| Market Cap: | 9.391B |
| Shares Outstanding: | 8.317M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Timothy S. Crane | |||||
| Full Time Employees: | 5903 | |||||
| Address: |
| |||||
| Website: | https://www.wintrust.com |
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 for sale into the secondary market; 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; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 173 banking facilities and 228 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 3,327,220 | 3,965,922 | 4,229,984 |
| Gross Profit | 2,157,580 | 2,349,813 | 2,630,439 |
| EBITDA | 929,845 | 1,047,168 | 1,206,912 |
| Operating Income | 845,081 | 947,089 | 1,118,407 |
| Net Income | 622,626 | 695,045 | 823,844 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 56,259,934 | 64,879,668 | 71,142,046 |
| Total Liabilities | 50,860,408 | 58,535,371 | 63,883,331 |
| Total Stockholders Equity | 5,399,526 | 6,344,297 | 7,258,715 |
| Total Debt | 3,663,316 | 4,237,961 | 4,481,477 |
| Cash and Cash Equivalents | 2,507,727 | 4,861,770 | 467,874 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 744,376 | 721,557 | 0 |
| Capital Expenditure | -46,406 | -86,032 | 0 |
| Free Cash Flow | 697,970 | 635,525 | 0 |
| Net Income | 622,626 | 695,045 | 823,844 |
| Net Change in Cash | -67,502 | 35,072 | -458,536 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 3,310,376.968 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 3,310,376.969 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 3,310,376.969 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,046,402.723 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,046,402.723 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,046,402.723 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 985,183.901 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,013,879.255 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 997,602.030 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 987,287.649 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 987,287.650 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 987,287.650 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 14.720 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 14.990 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 14.560 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: WTFC has demonstrated consistent revenue and net income growth in recent income statements, supported by strong operating cash flow and free cash flow figures from cash flow statements. This indicates operational efficiency and financial stability, appealing to investors seeking reliable returns.
- Favorable Valuation Metrics: The current price-to-earnings ratio (P/E TTM) and price-to-sales ratio (P/S TTM) suggest that WTFC is reasonably valued compared to industry averages (as per industry and sector data), potentially indicating an attractive investment relative to peers in the financial sector.
- Strong Balance Sheet: Balance sheet data highlights a healthy current ratio (TTM) and manageable debt-to-equity ratio (TTM), reflecting WTFC’s ability to meet short-term obligations and maintain a balanced capital structure, reducing financial risk.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates WTFC intrinsic value between $130.70 – $141.81 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about WTFC valuation
Is Wintrust Financial Corporation (WTFC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Wintrust Financial Corporation (WTFC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is WTFC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether WTFC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is WTFC’s P/E ratio?
You can see WTFC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for WTFC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is WTFC a good long-term investment?
Whether WTFC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
WTFC
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Daily snapshot
-0.33
Trading Metrics:
| Open: | 136.3 | Previous Close: | 140.06 | |
| Day Low: | 136.29 | Day High: | 139.75 | |
| Year Low: | 89.1 | Year High: | 162.96 | |
| Price Avg 50: | 144.51 | Price Avg 200: | 135.89 | |
| Volume: | 324440 | Average Volume: | 501367 |
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Login — it's freeWTFC full analysis
Welcome to MARKETSNAP’s SWOT analysis for Wintrust Financial Corporation, or WTFC for those tracking the ticker. If you’re not familiar with Wintrust, let me give you the quick rundown. This is a financial holding company based in the U.S., operating primarily in the banking sector. They offer a range of services like commercial and retail banking, wealth management, and specialty finance through their network of community banks, mostly in the Midwest. With a solid footprint in the industry, they’re not…
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