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Wintrust Financial Corporation (WTFC)

POSITIVE
Financial ServicesBanks - RegionalUnited States

ファンダメンタル

76

株価

$150.86

時価総額

$10.33B

パート1 · 企業の価値

概要

Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through 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, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides 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. 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, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

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Direct competitors

Who this company fights with for the same customers

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貸借対照表と流動性

売上高

$2.86B

直近12か月(2026/6/30まで)

純利益

$900M

直近12か月(2026/6/30まで)

フリーキャッシュフロー

$860M

自己資本合計

$7.26B

負債合計

$63.88B

流動比率

-

利払い倍率

0.82

負債/EBITDA

-

一株当たり利益(EPS)

売上高と純利益

フリーキャッシュフロー

収益内訳

財務推移表

利益率の推移

負債の推移

成長率グリッド

成長率 — 売上高

適正価値の推定

Bank適正価値

適正価値

$146.42

現在株価

$150.86

安全マージン

-3.0%

適正価値レンジ

$101.30 - $191.54

推定方法

Analyst price target:$180.07
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$146.27
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$165.50
Dividend discount (Gordon):$48.40
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
アナリスト・コンセンサス:買い (15B / 5H / 0S)
直近の決算サプライズ:+2.84%

バリュエーション指標

P/E レシオ

12.21

ROE

11.3%

P/B レシオ

1.36

P/FCF

12.01

粗利益率

-

ROIC

-

収益性レーダー

Value Creation (Economic Moat)

ROIC

-

WACC

9.6%

ROIC − WACC

-

ファンダメンタル分析基準

合格(18)

  • EPS shows upward trend
  • EPS CAGR 17.27%
  • Price CAGR 7.72%
  • P/FCF 12.01
  • P/B Ratio 1.36
  • Operating Margin 42.5%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 12.3%
  • Revenue Growth 5Y 13.0%
  • Analyst Consensus 75% Buy
  • Earnings Surprise avg 4.1%
  • PEG Ratio 0.64
  • Earnings Quality (OCF/NI) 1.83
  • Net Margin Trend 31.4% vs 28.8%
  • Piotroski F-Score 6/9

不合格(5)

  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Overvalued)
  • Share Dilution 7.2%

データなし(5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-スコア

6/9

まちまちのシグナル:一部の領域に注意が必要

score
criteria

利益の質

1.83

高品質:利益はキャッシュに裏付けられている

株式希薄化

7.2%

新株を発行しており、所有権を希薄化している

ガバナンス

経営陣

氏名役職年齢
Mr. Timothy S. CraneCEO, President & Director63
Mr. David Alan DykstraVice Chairman & COO64
Mr. Richard B. MurphyVice Chairman & Chief Lending Officer65
Mr. Edward Joseph Wehmer CPAFounder, Chairman Emeritus & Senior Advisor71
Mr. David L. StoehrExecutive VP & CFO65
Mr. Jeffrey D. HahnfeldExecutive VP, Controller & Chief Accounting Officer53
Mr. Mike RyanExecutive Vice President & Chief Information Officer-
Ms. Kathleen M. BoegeExecutive VP, Chief Legal Officer & Corporate Secretary58
Ms. Norah LarkeExecutive VP & Chief Human Resources Officer-
Mr. Thomas Patrick ZidarChairman and Senior Market Head of Wintrust Wealth Management & Mortgage56

監査リスク

3

取締役会リスク

1

報酬リスク

1

株主権利リスク

5

パート2 · 株価と買い時

この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容:テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。

Latest News

Recent headlines for WTFC, sourced from Markets Gazette.

  • 4/21/2026NEUTRAL
    Wintrust Financial Reports Q1 2026 Results: Full Earnings Call Transcript

    Wintrust Financial Corporation has released its Q1 2026 earnings call transcript. While the full details of the financial performance are available within the transcript, the announcement itself is informational. Investors and analysts will need to review the transcript to discern specific financial metrics, strategic updates, and forward-looking guidance that could impact the company's valuation. The market's reaction will depend on the qualitative and quantitative information presented in the call.

via Markets Gazette