ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Wintrust Financial Corp. ?
1
Healthy long term growth as Net profit has grown by an annual rate of 22.24%
2
Positive results in Jun 25
- NII(Q) Highest at USD 546.69 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NET PROFIT(Q) Highest at USD 196.02 MM
3
With ROA of 0.63%, it has a fair valuation with a 1.27 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 14.80%, its profits have risen by 11% ; the PEG ratio of the company is 1.2
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Wintrust Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Wintrust Financial Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Wintrust Financial Corp.
10.68%
1.62
32.06%
S&P 500
13.34%
0.81
19.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.37%
EBIT Growth (5y)
11.94%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
17.46%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.27
EV to EBIT
8.61
EV to EBITDA
7.26
EV to Capital Employed
1.34
EV to Sales
1.95
PEG Ratio
1.19
Dividend Yield
NA
ROCE (Latest)
15.58%
ROE (Latest)
10.57%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Bullish
Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 546.69 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET PROFIT(Q)
Highest at USD 196.02 MM
CASH AND EQV(HY)
Highest at USD 1,311.72 MM
NET SALES(Q)
Highest at USD 920.91 MM
OPERATING PROFIT(Q)
Highest at USD 285.48 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31 %
PRE-TAX PROFIT(Q)
Highest at USD 267.76 MM
EPS(Q)
Highest at USD 2.78
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 91.44%
Here's what is working for Wintrust Financial Corp.
NII
Highest at USD 546.69 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
Highest at USD 196.02 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 920.91 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 285.48 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 267.76 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
EPS
Highest at USD 2.78
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 1,311.72 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 41.62 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
CASA
Highest at 11.5%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Wintrust Financial Corp.
Credit Deposit Ratio
Lowest at 91.44%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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