WTFC
Wintrust Financial Corporation

Market cap $4.7962B
Enterprise value $4.651B
Employees 3,878
Revenue $1.12B
EBITDA N/A
Income $248M
EPS 4.40
P/E 19.47
Forward P/E 13.84
EV/EBITDA N/A
PEG 1.54
Earnings date 2018-04-16
Volume 71k / 357k
Relative vol. 0.20 ×
Sales Q/Q 9.03%
Sales Y/Y 13.31%
Est. EPS Q/Q 27.00%
Beta 0.76
Mean Recomm. 2.30
IPO year 1997
Country United States
RSI 48.40
Range $85.22 – $87.92
52 weeks $64.14 – $89.34
SMA 50 $85 -2.25%
SMA 200 $80 -8.85%
1 year target $95 +8.49%

Intraday

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All time

Recent Wintrust news

Date
#
Company
Insider Title
Trans.
Transaction
Shares Price per share Total price Shares after Source
2018-01-29 Edward J Wehmer
PRESIDENT AND CEO
PRESIDENT AND CEO Option exercise 14,173 $40.87 $579,251
2018-01-29
134,864
2017-11-02 Ingrid S Stafford
Director
Director Sale 1,405 $80.63 $113,285
2017-11-02
20,746
2017-10-26 Thomas P Zidar
EXECUTIVE VICE PRESIDENT
EXECUTIVE VICE PRESIDENT Option exercise 3,178 $33.28 $105,764
2017-10-26
31,239
2017-10-24 Gary D Sweeney
Director
Director Buy 338 $80.58 $27,236
2017-10-24
2,973
2017-10-23 Edward J Wehmer
PRESIDENT AND CEO
PRESIDENT AND CEO Option exercise 9,000 $40.87 $367,830
2017-10-23
121,873
2017-10-23 Leona A Gleason
EXECUTIVE VICE PRESIDENT
EXECUTIVE VICE PRESIDENT Option exercise 8,441 $33.85 $285,728
2017-10-23
20,768
2017-10-23 David A Dykstra
SENIOR EVP AND COO
SENIOR EVP AND COO Option exercise 22,476 $44.11 $991,416
2017-10-23
201,272
2017-07-21 David A Dykstra
SENIOR EVP AND COO
SENIOR EVP AND COO Option exercise 26,861 $39.70 $1,066,382
2017-07-21
205,586
2017-07-21 Bruce K Crowther
Director
Director Sale 323 $76.99 $24,868
2017-07-21
30,414
2017-07-21 Richard B Murphy
EXECUTIVE VICE PRESIDENT
EXECUTIVE VICE PRESIDENT Option exercise 12,222 $43.63 $533,246
2017-07-21
40,670
2017-07-21 Gary D Sweeney
Director
Director Buy 485 $77.12 $37,403
2017-07-21
2,635
2017-07-21 David L Stoehr
CHIEF FINANCIAL OFFICER
CHIEF FINANCIAL OFFICER Sale 25,163 $76.90 $1,935,035
2017-07-21
7,381
2017-07-21 Edward J Wehmer
PRESIDENT AND CEO
PRESIDENT AND CEO Option exercise 29,779 $43.55 $1,296,875
2017-07-21
142,525
2017-04-26 David L Larson
EXECUTIVE VICE PRESIDENT
EXECUTIVE VICE PRESIDENT Sale 1,519 $73.20 $111,191
2017-04-26
6,574
2017-04-25 Gary D Sweeney
Director
Director Buy 515 $72.81 $37,497
2017-04-25
2,150
2017-04-21 Peter D Crist
Director
Director Sale 23,225 $69.82 $1,621,570
2017-04-21
73,550
2017-02-06 Edward J Wehmer
PRESIDENT AND CEO
PRESIDENT AND CEO Option exercise 14,883 $46.86 $697,417
2017-02-06
127,377
2017-01-26 Timothy Crane
EXECUTIVE VICE PRESIDENT
EXECUTIVE VICE PRESIDENT Option exercise 2,959 $32.46 $96,049
2017-01-26
18,847
2017-01-25 David L Larson
EXECUTIVE VICE PRESIDENT
EXECUTIVE VICE PRESIDENT Option exercise 2,040 $33.28 $67,891
2017-01-25
9,708
2017-01-23 Richard B Murphy
EXECUTIVE VICE PRESIDENT
EXECUTIVE VICE PRESIDENT Option exercise 9,771 $32.06 $313,258
2017-01-23
37,572
2017-01-23 Edward J Wehmer
PRESIDENT AND CEO
PRESIDENT AND CEO Option exercise 18,994 $38.45 $730,319
2017-01-23
124,622
2017-01-23 David A Dykstra
SENIOR EVP AND COO
SENIOR EVP AND COO Sale 8,499 $69.70 $592,380
2017-01-23
177,211
2017-01-06 William J Doyle
Director
Director Buy 131 $72.21 $9,460
2017-01-06
1,035
2016-10-20 David L Stoehr
CHIEF FINANCIAL OFFICER
CHIEF FINANCIAL OFFICER Sale 7,252 $55.00 $398,860
2016-10-20
8,038
2016-10-20 Marla F Glabe
Director
Director Buy 900 $55.00 $49,500
2016-10-20
3,771
2016-07-22 Leona A Gleason
EXECUTIVE VICE PRESIDENT
EXECUTIVE VICE PRESIDENT Option exercise 10,000 $30.76 $307,600
2016-07-22
16,995
2016-07-22 H Patrick Jr Hackett
Director
Director Buy 9,500 $53.11 $504,545
2016-07-22
33,805
Outperform Wedbush 27 June 2017

Wintrust executives

Insider Title Age Since Compensation
Edward Wehmer (63)
President, Chief Executive Officer, Director since 1998
President, Chief Executive Officer, Director 63 1998 $3,899,140
David Dykstra (56)
Chief Operating Officer, Senior Executive Vice President since 2016
Chief Operating Officer, Senior Executive Vice President 56 2016 $1,944,660
Richard Murphy (57)
Executive Vice President, Chief Credit Officer since 2002
Executive Vice President, Chief Credit Officer 57 2002 $1,357,960
David Stoehr (57)
Chief Financial Officer, Executive Vice President since 2002
Chief Financial Officer, Executive Vice President 57 2002 $1,040,600
Timothy Crane (55)
Executive Vice President, Treasurer and Senior Market Head since 2016
Executive Vice President, Treasurer and Senior Market Head 55 2016 $995,963
Leona Gleason (67)
Executive Vice President, Chief Administrative Officer since 2010
Executive Vice President, Chief Administrative Officer 67 2010 $901,801
Lloyd Bowden (63)
Executive Vice President- Technology since 2015
Executive Vice President- Technology 63 2015 $203,501
Peter Crist (65)
Non-Executive Chairman of the Board since 2015
Non-Executive Chairman of the Board 65 2015 $184,006
Scott Heitmann (68)
Independent Director since 2008
Independent Director 68 2008 $143,729
Bruce Crowther (65)
Independent Director since 1998
Independent Director 65 1998 $138,530
Ingrid Stafford (63)
Independent Director since 1998
Independent Director 63 1998 $137,022
H. Patrick Hackett (65)
Independent Director since 2008
Independent Director 65 2008 $127,704
Gary Sweeney (59)
Independent Director since 2015
Independent Director 59 2015 $110,850
Marla Glabe (63)
Independent Director since 2015
Independent Director 63 2015 $109,885
Sheila Talton (65)
Independent Director since 2015
Independent Director 65 2015 $108,962
Zed Francis (62)
Independent Director since 2015
Independent Director 62 2015 $103,288
Christopher Perry (61)
Independent Director since 2009
Independent Director 61 2009 $98,671
William Doyle (66)
Director since 2017
Director 66 2017
Thomas Zidar (48)
Executive Vice President and Senior Market Head - Wealth Management Services since 2006
Executive Vice President and Senior Market Head - Wealth Management Services 48 2006
David Larson (54)
Executive Vice President and Regional Market Head since 2010
Executive Vice President and Regional Market Head 54 2010
Guy Eisenhuth (61)
Executive Vice President , Regional Market Head
Executive Vice President , Regional Market Head 61
Kathleen Boege (50)
Executive Vice President, General Counsel, Corporate Secretary since 2015
Executive Vice President, General Counsel, Corporate Secretary 50 2015
Wintrust Financial Corporation logo

Wintrust Financial Corporation, a financial holding company, provides banking and other financial products and services to customers in the Chicago metropolitan area and in southern Wisconsin. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional customers. It provides deposit products, such as non-interest bearing deposits, non-brokered interest-bearing transaction accounts, savings deposits, and domestic time deposits; loans comprising home equity, consumer, and real estate loans; safe deposit facilities; and ATMs, Internet banking, and other services. This segment is also involved in the origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and cash management services to condominium, homeowner and community associations, as well as asset-based lending for middle-market companies. In addition, this segment provides loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; small business administration loans; and financial solutions for hospitals, non-profits, educational institutions, and local government operations. The Specialty Finance segment offers commercial insurance premium and life insurance premium financing services for businesses and individuals; short-term accounts receivable financing services; and payrolls data processing, billing, and cash management services to the temporary staffing industry. The Wealth Management segment provides wealth management services, including trust and investment, asset management, securities brokerage services, and retirement plan services. As of December 31, 2016, it had approximately 155 banking locations. Wintrust Financial Corporation was founded in 1992 and is headquartered in Rosemont, Illinois.

  • Wintrust Financial Corporation, 9700 West Higgins Road, Rosemont 60018, United States
  • wintrust.com
  • 847-939-9000

Quarterly EPS estimates

Profit margin

Debt to assets

Cash flow

Balance sheet

(in millions) 2017Q3 2017Q2 2017Q1 2016Q4
Current assets
Cash $4,043.758 $3,833.607 $3,775.731 $3,746.357
Short term investments
Net receivables $794.139 $733.77 $583.912 $618.977
Inventory
Other current assets
Total current assets
Long term investments $23,681.673 $23,490.622 $22,617.454 $22,418.439
Property, plant & equipment $803.806 $796.459 $753.979 $726.703
Goodwill $502.021 $500.26 $499.341 $498.587
Intangible assets $18.651 $19.546 $20.687 $21.851
Other assets
Deferred long term asset charges
Total assets $27,358.162 $26,929.265 $25,778.893 $25,668.553
Current liabilities
Accounts payable $440.034 $490.389 $424.538 $505.45
Short long term debt $720.642 $595.98 $466.372 $416.317
Other current liabilities $22,895.063 $22,605.692 $21,730.441 $21,658.632
Total current liabilities
Long term debt $0.88 $5.151
Other liabilities
Deferred long term liabilities
Minority interest
Total liabilities $24,449.237 $24,089.807 $23,013.91 $22,972.936
Stockholders' equity
Stock option warrants
Common stock $55.94 $55.802 $52.605 $51.978
Retained earnings $1,254.759 $1,198.997 $1,143.943 $1,096.518
Treasury stock -$4.884 -$4.884 -$4.884 -$4.589
Capital surplus $1,519.596 $1,511.08 $1,381.886 $1,365.781
Other stockholder equity -$41.486 -$46.537 -$59.824 -$65.328
Total stockholder equity $2,908.925 $2,839.458 $2,764.983 $2,695.617
Net tangible assets $2,388.253 $2,319.652 $2,244.955 $2,175.179
(in millions) 2016 2015 2014
Current assets
Cash $3,746.357 $3,586.82 $3,114.01
Short term investments
Net receivables $618.977 $624.73 $1,011.211
Inventory
Other current assets
Total current assets
Long term investments $22,418.439 $20,148.064 $16,686.845
Property, plant & equipment $726.703 $655.426 $555.654
Goodwill $498.587 $471.761 $405.634
Intangible assets $21.851 $24.209 $18.811
Other assets $11.846
Deferred long term asset charges
Total assets $25,668.553 $22,909.348 $20,010.727
Current liabilities
Accounts payable $505.45 $390.259 $336.225
Short long term debt $416.317 $1,119.216 $929.515
Other current liabilities $21,658.632 $18,639.634 $16,281.844
Total current liabilities
Long term debt $0.538 $3.828
Other liabilities
Deferred long term liabilities
Minority interest
Total liabilities $22,972.936 $20,557.074 $17,940.905
Stockholders' equity
Stock option warrants
Common stock $51.978 $48.469 $46.881
Retained earnings $1,096.518 $928.211 $803.4
Treasury stock -$4.589 -$3.973 -$3.549
Capital surplus $1,365.781 $1,190.988 $1,133.955
Other stockholder equity -$65.328 -$62.708 -$37.332
Total stockholder equity $2,695.617 $2,352.274 $2,069.822
Net tangible assets $2,175.179 $1,856.304 $1,645.377

Income statement

(in millions) 2017Q3 2017Q2 2017Q1 2016Q4
Revenue
Total revenue $327.419 $321.153 $284.524 $300.288
Cost of revenue $23.655 $18.471 $16.27 $16.413
Gross profit
Operating expenses
Research & development
Selling, general & administrative $182.507 $182.403 $166.954 $179.213
Non-recurring
Other operating expenses $8.964 $10.032 $6.373 $8.508
Total operating expenses
Operating income
Income from continuing operations
Net other income
EBIT $112.293 $110.247 $94.927 $96.154
Interest expense $8.045 $8.301 $6.909 $7.822
Income before tax $104.248 $101.946 $88.018 $88.332
Income tax expense $38.622 $37.049 $29.64 $33.724
Minority interest
Net income from continuing ops $65.626 $64.897 $58.378 $54.608
Non-recurring events
Discontinued operations
Extraordinary items
Effect of accounting change
Other items
Net income
EBITDA $65.626 $64.897 $58.378 $54.608
Income (for common shares) $63.576 $62.847 $54.75 $50.979
(in millions) 2016 2015 2014
Revenue
Total revenue $1,137.887 $990.061 $886.507
Cost of revenue $58.409 $48.863 $48.411
Gross profit
Operating expenses
Research & development
Selling, general & administrative $676.896 $623.798 $542.155
Non-recurring
Other operating expenses $38.873 $37.563 $25.229
Total operating expenses
Operating income
Income from continuing operations
Net other income
EBIT $363.709 $279.837 $270.712
Interest expense $31.855 $28.072 $24.281
Income before tax $331.854 $251.765 $246.431
Income tax expense $124.979 $95.016 $95.033
Minority interest
Net income from continuing ops $206.875 $156.749 $151.398
Non-recurring events
Discontinued operations
Extraordinary items
Effect of accounting change
Other items
Net income
EBITDA $206.875 $156.749 $151.398
Income (for common shares) $192.362 $145.88 $145.075

Cash flow

(in millions) 2017Q3 2017Q2 2017Q1 2016Q4
Net income $65.626 $64.897 $58.378 $54.608
Operating activities
Depreciation $13.146 $11.447 $9.73 $4.113
Net income adjustments -$11.59 -$18.679 -$7.396 $79.924
Change in accounts receivable -$17.717 -$48.977 $5.645 $88.22
Changes in liabilities -$58.706 $60.897 -$83.348 $82.176
Changes in inventory
Changes in other operating activities
Total cash flow from operations $23.641 -$5 $129.741 $391.686
Investing activities
Capital expenditures -$13.323 -$15.437 -$10.823 -$5.647
Investments -$458.269 -$903.241 -$299.574 -$448.82
Other cash flows from investing $3.242 $5.045 $4.063 -$25.896
Total cash flows from investing -$468.35 -$913.633 -$306.334 -$480.363
Financing activities
Dividends paid -$9.864 -$9.843 -$10.953 -$9.838
Sale and purchase of stock $6.24 $3.306 $13.519 $6.053
Net borrowings $114.726 $128.895 $49.268 -$246.197
Other cash flows from financing $289.398 $875.288 $71.862 $361.757
Total cash flows from financing $400.5 $997.646 $123.696 $111.775
Effect of exchange rate
Change in cash and equivalents -$44.209 $79.013 -$52.897 $23.098
(in millions) 2016 2015 2014
Net income $206.875 $156.749 $151.398
Operating activities
Depreciation $23.223 $10.03 -$3.249
Net income adjustments -$75.756 -$43.012 -$44.144
Change in accounts receivable -$41.164 -$154.542 $79.211
Changes in liabilities $113.258 $0.292 -$38.902
Changes in inventory
Changes in other operating activities
Total cash flow from operations $309.081 $38.222 $206.368
Investing activities
Capital expenditures -$33.923 -$43.459 -$38.136
Investments -$1,886.537 -$1,637.631 -$2,141.021
Other cash flows from investing -$572.205 $39.537 $341.565
Total cash flows from investing -$2,492.665 -$1,641.553 -$1,837.592
Financing activities
Dividends paid -$38.568 -$29.888 -$24.933
Sale and purchase of stock $168.123 $136.537 $9.904
Net borrowings -$721.694 $159.601 $395.256
Other cash flows from financing $2,769.973 $1,382.169 $1,217.84
Total cash flows from financing $2,177.834 $1,648.419 $1,598.067
Effect of exchange rate
Change in cash and equivalents -$5.75 $45.088 -$33.157
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