Is Wintrust Financial Stock a Good Investment?
Wintrust Financial Investment Advice | WTFC |
- Examine Wintrust Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Wintrust Financial's leadership team and their track record. Good management can help Wintrust Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Wintrust Financial's business and its evolving consumer preferences.
- Compare Wintrust Financial's performance and market position to its competitors. Analyze how Wintrust Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Wintrust Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Wintrust Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Wintrust Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Wintrust Financial is a good investment.
Sell | Buy |
Strong Buy
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Barely shadows the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Wintrust Financial Stock
Researching Wintrust Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 93.0% of the company outstanding shares are owned by institutional investors. The company has Price to Book (P/B) ratio of 1.48. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. Wintrust Financial recorded earning per share (EPS) of 9.54. The entity last dividend was issued on the 7th of November 2024. The firm had 3:2 split on the 15th of March 2002.
To determine if Wintrust Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Wintrust Financial's research are outlined below:
| Wintrust Financial has a poor financial position based on the latest SEC disclosures | |
| Over 93.0% of the company outstanding shares are owned by institutional investors | |
| On 22nd of November 2024 Wintrust Financial paid $ 0.45 per share dividend to its current shareholders | |
| Latest headline from zacks.com: Wintrust Financial Earnings Expected to Grow What to Know Ahead of Next Weeks Release |
Wintrust Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Wintrust Financial. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Wintrust Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 17th of April 2024 Upcoming Quarterly Report | View | |
| 17th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 15th of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Wintrust Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Wintrust Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
1998-04-21 | 1998-03-31 | 0.09 | 0.08 | -0.01 | 11 | ||
2001-10-16 | 2001-09-30 | 0.3 | 0.33 | 0.03 | 10 | ||
2001-04-20 | 2001-03-31 | 0.28 | 0.31 | 0.03 | 10 | ||
1999-01-22 | 1998-12-31 | 0.2 | 0.17 | -0.03 | 15 | ||
1998-07-29 | 1998-06-30 | 0.15 | 0.12 | -0.03 | 20 | ||
2012-01-18 | 2011-12-31 | 0.37 | 0.41 | 0.04 | 10 | ||
2009-01-28 | 2008-12-31 | -0.02 | 0.02 | 0.04 | 200 | ||
1998-10-21 | 1998-09-30 | 0.15 | 0.19 | 0.04 | 26 |
Wintrust Financial Target Price Consensus
Wintrust target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Wintrust Financial's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 13 | Strong Buy |
Most Wintrust analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Wintrust stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Wintrust Financial, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationWintrust Financial Target Price Projection
Wintrust Financial's current and average target prices are 135.05 and 144.77, respectively. The current price of Wintrust Financial is the price at which Wintrust Financial is currently trading. On the other hand, Wintrust Financial's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Wintrust Financial Market Quote on 18th of January 2025
Target Price
Analyst Consensus On Wintrust Financial Target Price
Wintrust Financial Analyst Ratings
Wintrust Financial's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Wintrust Financial stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Wintrust Financial's financials, market performance, and future outlook by experienced professionals. Wintrust Financial's historical ratings below, therefore, can serve as a valuable tool for investors.Know Wintrust Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Wintrust Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Wintrust Financial backward and forwards among themselves. Wintrust Financial's institutional investor refers to the entity that pools money to purchase Wintrust Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Jpmorgan Chase & Co | 2024-09-30 | 1.1 M | Amvescap Plc. | 2024-09-30 | 1.1 M | First Trust Advisors L.p. | 2024-09-30 | 926.1 K | Channing Capital Management, Llc | 2024-09-30 | 839.5 K | Federated Hermes Inc | 2024-09-30 | 821.5 K | Charles Schwab Investment Management Inc | 2024-09-30 | 802.8 K | Reinhart Mahoney Capital Management Inc | 2024-09-30 | 781.4 K | Hhg Plc | 2024-09-30 | 767.7 K | Bank Of New York Mellon Corp | 2024-09-30 | 652.6 K | Vanguard Group Inc | 2024-09-30 | 6.9 M | Blackrock Inc | 2024-09-30 | 6 M |
Wintrust Financial's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 8.87 B.Market Cap |
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Wintrust Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.10 | 0.06 |
Determining Wintrust Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Wintrust Financial is a good buy. For example, gross profit margin measures Wintrust Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Wintrust Financial's profitability and make more informed investment decisions.
Please note, the presentation of Wintrust Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Wintrust Financial's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Wintrust Financial's management manipulating its earnings.
Evaluate Wintrust Financial's management efficiency
Wintrust Financial has return on total asset (ROA) of 0.0106 % which means that it generated a profit of $0.0106 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1109 %, meaning that it created $0.1109 on every $100 dollars invested by stockholders. Wintrust Financial's management efficiency ratios could be used to measure how well Wintrust Financial manages its routine affairs as well as how well it operates its assets and liabilities. As of January 18, 2025, Return On Tangible Assets is expected to decline to 0.01. In addition to that, Return On Capital Employed is expected to decline to 0.02. At present, Wintrust Financial's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 52.9 B, whereas Other Assets are projected to grow to (431.2 M).| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 79.47 | 83.44 | |
| Tangible Book Value Per Share | 69.47 | 72.94 | |
| Enterprise Value Over EBITDA | 3.00 | 2.85 | |
| Price Book Value Ratio | 1.21 | 1.51 | |
| Enterprise Value Multiple | 3.00 | 2.85 | |
| Price Fair Value | 1.21 | 1.51 | |
| Enterprise Value | 3 B | 3.2 B |
The strategic decisions made by Wintrust Financial management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Basic technical analysis of Wintrust Stock
As of the 18th of January 2025, Wintrust Financial maintains the Mean Deviation of 1.46, downside deviation of 1.53, and Market Risk Adjusted Performance of 8.87. Relative to fundamental indicators, the technical analysis model lets you check existing technical drivers of Wintrust Financial, as well as the relationship between them.Wintrust Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Wintrust Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Wintrust Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Wintrust Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Wintrust Financial's Outstanding Corporate Bonds
Wintrust Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Wintrust Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Wintrust bonds can be classified according to their maturity, which is the date when Wintrust Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| US97650WAG33 Corp BondUS97650WAG33 | View | |
| International Game Technology Corp BondUS460599AD57 | View |
Understand Wintrust Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Wintrust Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.138 | |||
| Market Risk Adjusted Performance | 8.87 | |||
| Mean Deviation | 1.46 | |||
| Semi Deviation | 1.27 | |||
| Downside Deviation | 1.53 | |||
| Coefficient Of Variation | 635.28 | |||
| Standard Deviation | 2.34 | |||
| Variance | 5.47 | |||
| Information Ratio | 0.1546 | |||
| Jensen Alpha | 0.3582 | |||
| Total Risk Alpha | 0.3678 | |||
| Sortino Ratio | 0.2369 | |||
| Treynor Ratio | 8.86 | |||
| Maximum Drawdown | 18.43 | |||
| Value At Risk | (2.70) | |||
| Potential Upside | 3.02 | |||
| Downside Variance | 2.33 | |||
| Semi Variance | 1.62 | |||
| Expected Short fall | (1.76) | |||
| Skewness | 3.08 | |||
| Kurtosis | 17.89 |
| Risk Adjusted Performance | 0.138 | |||
| Market Risk Adjusted Performance | 8.87 | |||
| Mean Deviation | 1.46 | |||
| Semi Deviation | 1.27 | |||
| Downside Deviation | 1.53 | |||
| Coefficient Of Variation | 635.28 | |||
| Standard Deviation | 2.34 | |||
| Variance | 5.47 | |||
| Information Ratio | 0.1546 | |||
| Jensen Alpha | 0.3582 | |||
| Total Risk Alpha | 0.3678 | |||
| Sortino Ratio | 0.2369 | |||
| Treynor Ratio | 8.86 | |||
| Maximum Drawdown | 18.43 | |||
| Value At Risk | (2.70) | |||
| Potential Upside | 3.02 | |||
| Downside Variance | 2.33 | |||
| Semi Variance | 1.62 | |||
| Expected Short fall | (1.76) | |||
| Skewness | 3.08 | |||
| Kurtosis | 17.89 |
Consider Wintrust Financial's intraday indicators
Wintrust Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Wintrust Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 13399.94 | |||
| Daily Balance Of Power | 0.6178 | |||
| Rate Of Daily Change | 1.01 | |||
| Day Median Price | 134.14 | |||
| Day Typical Price | 134.44 | |||
| Price Action Indicator | 1.72 | |||
| Period Momentum Indicator | 1.6 |
Wintrust Financial Corporate Filings
F4 | 3rd of January 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 10th of December 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10Q | 8th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
F3 | 2nd of August 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
Wintrust Stock media impact
Far too much social signal, news, headlines, and media speculation about Wintrust Financial that are available to investors today. That information is available publicly through Wintrust media outlets and privately through word of mouth or via Wintrust internal channels. However, regardless of the origin, that massive amount of Wintrust data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Wintrust Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Wintrust Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Wintrust Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Wintrust Financial alpha.
Wintrust Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Wintrust Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Wintrust Financial Corporate Executives
Elected by the shareholders, the Wintrust Financial's board of directors comprises two types of representatives: Wintrust Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Wintrust. The board's role is to monitor Wintrust Financial's management team and ensure that shareholders' interests are well served. Wintrust Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Wintrust Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Edward CPA | Founder Advisor | Profile | |
| David Stoehr | CFO and Executive VP | Profile | |
| David Dykstra | COO and Sr. Executive VP | Profile |
Already Invested in Wintrust Financial?
The danger of trading Wintrust Financial is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Wintrust Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Wintrust Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Wintrust Financial is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Wintrust Financial offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Wintrust Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Wintrust Financial Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Wintrust Financial Stock: Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Wintrust Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census. For information on how to trade Wintrust Stock refer to our How to Trade Wintrust Stock guide.You can also try the Price Ceiling Movement module to calculate and plot Price Ceiling Movement for different equity instruments.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Wintrust Financial. If investors know Wintrust will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Wintrust Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.02) | Dividend Share 1.75 | Earnings Share 9.54 | Revenue Per Share | Quarterly Revenue Growth 0.069 |
The market value of Wintrust Financial is measured differently than its book value, which is the value of Wintrust that is recorded on the company's balance sheet. Investors also form their own opinion of Wintrust Financial's value that differs from its market value or its book value, called intrinsic value, which is Wintrust Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Wintrust Financial's market value can be influenced by many factors that don't directly affect Wintrust Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Wintrust Financial's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Wintrust Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Wintrust Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.