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Upturn AI SWOT - About
WTFC 
Wintrust Financial Corporation (WTFC)
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Upturn Advisory Summary
03/27/2025: WTFC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -5.89% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.50B USD | Price to earnings Ratio 10.91 | 1Y Target Price 145.23 |
Price to earnings Ratio 10.91 | 1Y Target Price 145.23 | ||
Volume (30-day avg) 453680 | Beta 1.16 | 52 Weeks Range 90.29 - 141.49 | Updated Date 04/1/2025 |
52 Weeks Range 90.29 - 141.49 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.78% | Basic EPS (TTM) 10.31 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.6% | Operating Margin (TTM) 43.37% |
Management Effectiveness
Return on Assets (TTM) 1.15% | Return on Equity (TTM) 11.84% |
Valuation
Trailing PE 10.91 | Forward PE 10.81 | Enterprise Value 7475392512 | Price to Sales(TTM) 3.2 |
Enterprise Value 7475392512 | Price to Sales(TTM) 3.2 | ||
Enterprise Value to Revenue 4.96 | Enterprise Value to EBITDA - | Shares Outstanding 66707800 | Shares Floating 65739204 |
Shares Outstanding 66707800 | Shares Floating 65739204 | ||
Percent Insiders 1.48 | Percent Institutions 96.48 |
Analyst Ratings
Rating 4.46 | Target Price 144.77 | Buy 3 | Strong Buy 8 |
Buy 3 | Strong Buy 8 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Wintrust Financial Corporation
Company Overview
History and Background
Wintrust Financial Corporation was founded in 1991 in Lake Forest, Illinois. It grew through strategic acquisitions and organic expansion, focusing on community banking and wealth management.
Core Business Areas
- Community Banking: Provides a full range of banking services, including deposit accounts, loans, and treasury management, to individuals and businesses.
- Wealth Management: Offers investment advisory, trust, and brokerage services to individuals, families, and institutions.
- Commercial Banking: Provides services, loans, and banking capabilities to businesses.
Leadership and Structure
Timothy Crane serves as the CEO. The company operates with a decentralized structure, with multiple community bank subsidiaries managed locally.
Top Products and Market Share
Key Offerings
- Commercial Lending: Commercial lending is a core product of Wintrust, providing businesses with capital for growth, operations, and acquisitions. Market share information is not publicly broken down. Key competitors include other regional and national banks. Revenue is not broken down by product line. Competitors include BOKF (BOKF), First Midwest Bank (FMBI) before it was acquired by Old National Bank (ONB).
- Residential Mortgages: Wintrust originates residential mortgages through its banking subsidiaries. Market share data is not publicly broken down. Competitors include national mortgage lenders and other regional banks. Revenue is not broken down by product line. Competitors include Rocket Mortgage (RKT).
- Wealth Management Services: Wintrust offers wealth management services like investment advice and financial planning. The market share data is not publicly broken down. Competitors include national brokerage firms and other wealth management providers. Revenue is not broken down by product line. Competitors include Charles Schwab (SCHW).
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, inflation concerns, and increased regulatory scrutiny. Regional banks face competition from larger national players and fintech companies.
Positioning
Wintrust focuses on community banking and relationship-based service, differentiating itself from larger banks through personalized attention and local market knowledge.
Total Addressable Market (TAM)
The total addressable market for banking services in the Midwest is substantial, estimated to be several hundred billion dollars annually. Wintrust is positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Relationship-based banking model
- Diversified revenue streams
- Experienced management team
- Strong asset quality
Weaknesses
- Limited geographic reach
- Reliance on net interest income
- Higher expense ratio than peers
- Dependence on local economy
Opportunities
- Expanding into new markets
- Growing wealth management business
- Adopting new technologies
- Acquiring smaller banks
Threats
- Rising interest rates
- Increased competition
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- HBAN
- RF
- CMA
Competitive Landscape
Wintrust competes with regional and national banks, as well as wealth management firms. Its community-focused approach differentiates it from larger institutions.
Major Acquisitions
Great Lakes Bank
- Year: 2018
- Acquisition Price (USD millions): 170
- Strategic Rationale: Expanded Wintrust's presence in the Chicago metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Wintrust has grown significantly through acquisitions and organic expansion over the past decade.
Future Projections: Analysts project continued revenue growth and earnings improvement in the coming years, driven by loan growth and wealth management expansion.
Recent Initiatives: Recent strategic initiatives include investments in technology and expansion into new markets in the Midwest.
Summary
Wintrust Financial Corporation is a solid regional bank with a strong focus on community banking and wealth management. Its decentralized structure and relationship-based model are key strengths. However, its geographic concentration and reliance on net interest income are potential vulnerabilities. Overall, WTFC's conservative growth outlook and proven performance suggests good value for the near future, but there are challenges ahead.
Similar Companies
- HBAN
- RF
- CMA
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Financial news articles
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions can change rapidly, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Wintrust Financial Corporation
Exchange NASDAQ | Headquaters Rosemont, IL, United States | ||
IPO Launch date 1998-04-16 | CEO, President & Director Mr. Timothy S. Crane | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 5903 | Website https://www.wintrust.com |
Full time employees 5903 | Website https://www.wintrust.com | ||
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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