Wintrust Financial Corporation (WTFC) — Fundamental Analysis & Key Financial Ratios

Kaplio overview: Wintrust Financial Corporation

Market cap $10B · 52 weeks $123 – $167 (8 % below the high) · P/E 11.6× · 2027 expected P/E 10.8× · Dividend 1.4 % · 8 years rising · Next earnings January 19, 2027 · expected EPS $3.41 · Closing price, Oct 30 · accounts published Oct 19.

• Valuation: P/B 1.4× (fairly priced).
• Business: ROTCE 12.9 % (passes, near the threshold).
• Balance sheet: Capital/assets 10.2 % (solid).
• Earnings: 8 of 8 (on track).

What would it be worth at its usual multiples?

At a P/B justified by its ROTCE 12.9 % (1.3×) $140 (-8 %); at its peers' median (1.3×) $143 (-6 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.

What matters in banking: 3 of 4 pass

• P/B (Price / Book) 1.4×, borderline.
• ROA 1.2 %, passes.
• ROTCE 12.9 %, passes, near the threshold.
• Equity / Assets (Tier 1 proxy) 10.2 %, passes.
• Sustainable dividend yield 1.4 %, info.

Against its peers (reference peers) — Wintrust Financial Corporation: P/E 11.6×; P/B 1.4×; ROE 12.5 %; $10.3B. Western Alliance Bancorporation (P/E 8.4×; P/B 1.1×; ROE 13.1 %; $8.3B), BOK Financial Corporation (P/E 11.8×; P/B 1.3×; ROE 11.2 %; $7.9B), Commerce Bancshares, Inc. (P/E 13.2×; P/B 1.9×; ROE 14.3 %; $7.8B).

Expensive or cheap against its last ten fiscal years?

P/B at each close: today 1.4× · median 1.2× · minimum 0.5× · maximum 1.8× · cheap below 1.1× · expensive above 1.4×. It has been cheaper than today 77% of the time over its last ten fiscal years.

Dividend

solid · Yield 1.4 % ($2.53 per share in 2025) · Years raising it 8 · 5-year growth +11 % a year · Free cash flow coverage payout 21 % · With $1,000 invested today you'd collect $14.10 a year ($1.18 a month).