Market Price

28.21 

-0.02 -0.1%

as of Apr 09 '21

52 Week Range:

24.55 28.98


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Wintrust Financial Corporation operates as a financial holding company. It operates in 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 (ATM), online and mobile banking, and other services. It also engages in the retail 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 offers 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. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. 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; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 181 banking facilities and 229 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
ROA 0.25
0.49
0.61
0.72
0.76
0.68
0.79
0.93
1.13
1.02
0.66
growth rate 96.0% 24.5% 18.0% 5.6% -10.5% 16.2% 17.7% 21.5% -9.7% -35.3%
ROE 2.89
5.10
6.54
7.57
7.81
7.21
8.46
9.36
11.18
10.36
7.47
growth rate 76.5% 28.2% 15.8% 3.2% -7.7% 17.3% 10.6% 19.4% -7.3% -27.9%
Leverage 10.08
10.64
10.76
10.20
10.30
10.91
10.50
9.79
9.94
10.27
12.17
growth rate 5.6% 1.1% -5.2% 1.0% 5.9% -3.8% -6.8% 1.5% 3.3% 18.5%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 124.82
290.06
26.17
28.45
growth rate 132.4% -91.0% 8.7%
Acct.Payable 23,183.35
26,094.68
30,107.14
37,092.65
growth rate 12.6% 15.4% 23.2%
Cur.Assets 2,100.76
2,406.17
3,277.50
7,115.43
growth rate 14.5% 36.2% 117.1%
Total Assets 27,915.97
31,244.85
36,620.58
45,080.77
growth rate 11.9% 17.2% 23.1%
Cash 277.59
392.20
286.48
322.47
growth rate 41.3% -27.0% 12.6%
Inventory 40.80
25.10
15.18
16.56
growth rate -38.5% -39.5% 9.1%
Cur.Liabilities 23,588.92
26,231.38
30,283.27
38,047.35
growth rate 11.2% 15.5% 25.6%
Liabilities 24,939.03
27,977.28
32,929.33
40,964.77
growth rate 12.2% 17.7% 24.4%
LT Debt 856.42
1,160.37
1,755.72
2,009.77
growth rate 35.5% 51.3% 14.5%
Equity 2,851.94
3,142.57
3,566.25
3,703.50
growth rate 10.2% 13.5% 3.9%
Common Shares 56.07
56.52
57.95
58.47
growth rate 0.8% 2.5% 0.9%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 59.19
68.27
82.02
63.65
growth rate 15.3% 20.1% -22.4%
Cash Dividends 40.54
50.99
65.11
85.89
growth rate 25.8% 27.7% 31.9%
Cash From OA 401.63
377.18
265.99
-518.47
growth rate -6.1% -29.5% -100.0%
FCF 175.00
287.00
194.00
284.00
198.00
-6.00
275.00
342.00
309.00
184.00
-582.00
growth rate 64.0% -32.4% 46.4% -30.3% -100.0% 100.0% 24.4% -9.7% -40.5% -100.0%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 1,120.59
1,280.64
1,403.25
1,424.51
growth rate 14.3% 9.6% 1.5%
Op.Income 412.99
482.45
499.79
419.52
growth rate 16.8% 3.6% -16.1%
IBT 390.00
460.13
480.10
389.78
growth rate 18.0% 4.3% -18.8%
Net Income 257.68
343.17
355.70
292.99
growth rate 33.2% 3.7% -17.6%
Gross Profit 1,120.59
1,280.64
1,403.25
1,424.51
growth rate 14.3% 9.6% 1.5%

Quarterly Statements

Item Name Mar '20 Jun '20 Sep '20 Dec '20
Balance Sheet
Acct.Receivable 527.37
25.14
27.47
28.45
growth rate -95.2% 9.3% 3.6%
Acct.Payable 31,461.66
35,651.87
35,844.42
37,092.65
growth rate 13.3% 0.5% 3.5%
Cur.Assets 4,067.62
5,820.89
5,840.49
7,115.43
growth rate 43.1% 0.3% 21.8%
Total Assets 38,799.85
43,540.02
43,731.72
45,080.77
growth rate 12.2% 0.4% 3.1%
Cash 349.43
345.06
308.70
322.47
growth rate -1.3% -10.5% 4.5%
Inventory 11.03
10.20
5.78
16.56
growth rate -7.5% -43.3% 186.4%
Cur.Liabilities 31,869.10
36,032.80
36,200.71
38,047.35
growth rate 13.1% 0.5% 5.1%
Liabilities 35,099.45
39,549.80
39,657.63
40,964.77
growth rate 12.7% 0.3% 3.3%
LT Debt 2,340.02
2,418.36
2,417.79
2,009.77
growth rate 3.4% 0.0% -16.9%
Equity 3,575.39
3,577.72
3,661.59
3,703.50
growth rate 0.1% 2.3% 1.1%
Common Shares 58.27
58.29
58.32
58.47
growth rate 0.1% 0.1% 0.3%
Cash Flow Statement Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 21.39
16.75
16.26
9.25
growth rate -21.7% -2.9% -43.1%
Cash Dividends 18.17
18.17
26.41
23.14
growth rate 0.0% 45.4% -12.4%
Cash From OA -379.81
10.14
-53.49
-95.31
growth rate 100.0% -100.0% 0.0%
FCF -401.20
-6.60
-69.75
-104.57
growth rate 0.0% 0.0% 0.0%
Income Statement Mar '20 Jun '20 Sep '20 Dec '20
Sales 321.65
289.80
401.34
411.73
growth rate -9.9% 38.5% 2.6%
Op.Income 93.13
45.07
146.42
139.40
growth rate -51.6% 224.9% -4.8%
IBT 87.08
30.70
137.28
134.71
growth rate -64.7% 347.1% -1.9%
Net Income 62.81
21.66
107.32
101.20
growth rate -65.5% 395.5% -5.7%
Gross Profit 321.65
289.80
401.34
411.73
growth rate -9.9% 38.5% 2.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

F (10.89)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

Current EPS is undefined, therefore value price cannot be calculated.

PE and EPS

Historical Current Forward
PE
EPS / Growth

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 7.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.2% 7.2% 7.2%
Future PE 0.01 0.01 4.79
Future EPS 0.00 0.00 0.00
Value Price
MOS %
0.00
-100.0%
0.00
-100.0%
0.00
-100.0%
MOS Price 0.00 0.00 0.00
IRT

Graham Number:

Current EPS is undefined, therefore Graham Number cannot be calculated.
NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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