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Friday 6 November 2026 Export WTFC’s income statement to Excel — free account

Wintrust Financial Corporation

WTFC Financial Banks Regional

Wintrust Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.2 billion, up 6.66% from fiscal 2024.

Revenue
+4.06%
EPS
+21.3%
Free cash flow
−23.8%
Total debt
+1.77%

Quarter to September 2026, against a year earlier

151.56 4.56 −2.92%
Market cap
$10.2B
P/E
11.5×
Fwd P/E
11.4×
Dividend yield
1.45%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

Wintrust Financial Corporation (WTFC) valuation and DCF model

What the price implies · reverse DCF

At $151.56 the price implies 40.2% a year of dividend growth, at a 9.0% cost of equity.

The dividend a share grew 15.8% a year over the last ten years, 11.0% over the last five. The price asks for about three times its ten-year rate. Return on equity averaged 10.6% over ten years; the price implies 11.6% for good.

In December 2017 the price assumed 29.1% a year; Wintrust Financial Corporation went on to grow the dividend a share 12.0% a year to FY2025.

Price implies
40.2%
Last 5 years, reported
11.0%
Last 10 years, reported
15.8%

The headline discounts the last twelve months’ the dividend a share at 9.0% for ten years and grows it 2.5% a year after that, the same for every company, so the figure compares across the market (how a reverse DCF works).

The other way round · DCF
The price needs
40.2% a year for ten years
$151.56
today’s price
Its base case
15.8% a year for five years, then 9.5%
$21.30
85.9% below today’s price

Both are growth in the dividend a share, discounted at 9.0%, with 2.5% a year after year ten.

Base case on its own ten-year record Wintrust Financial Corporation’s own growth, carried forward

Its assumptions

Powerpack lets you start from a scenario and type over any of them.

The base case’s inputs, which Powerpack lets you change
1 · Dividends
the four quarters to September 2026, from the 10-Q and 10-K filings

Yearly growth in the dividend. It usually slows as the company matures.

Today’s price implies the dividend a share growing 40.2% a year for ten years.

2 · Rates

Cost of equity is the yearly return shareholders require, typically 8–11%. Terminal growth is growth forever after year 10, usually near long-run inflation, 2–3%.

3 · Per share

The model is a share’s own: no debt to take off and no shares to divide among.

Advanced inputs

Against Wintrust Financial Corporation’s own cost of capital: risk-free 4.3% + beta 0.86 × equity premium 4.5% = 8.2% cost of equity; weighted, 8.2%.

Use 8.2%
Base case value per share $21.30 ten years discounted, and what follows
Current price $151.56 market price per share
Below today’s price 85.9% downside at the base case’s assumptions

How we got there$7.90 10 years of dividends+$13.40 terminal value=$21.30 per share

Valuation against its own history

Today’s multiple against its 5- and 10-year averages and the industry median (Banks Regional).

Multiple Current 5Y avg 10Y avg vs 10Y avg Industry median vs industry 10Y range
P/E 11.46× 11.05× 12.10× 5% below 12.02× 5% below
P/FCF 6.50× 8.35× 10.69× 39% below 10.60× 39% below
P/B 1.49× 1.29× 1.26× 18% above 1.23× 21% above
EV/Sales — 1.93× 2.05× — 3.90× —
P/E P/FCF P/B EV/Sales
0.80×1.61×2.42×3.23×10Y avg 2.05×2016201720182019202020212022202320242025

EV/Sales has no reading today; its 10-year average is 2.05×.

Every growth rate on this page is the business’s — its cash flow, FFO or dividend — never its share price’s. A discounted-cash-flow model is only as good as its assumptions. Figures from the 10-K and 10-Q filings. Not investment advice.