Wintrust Financial Corp. (WTFC) intrinsic value & 10-year financials
Wintrust Financial Corp. (WTFC) has a Graham intrinsic value of $348.37 per share. At $144.08 on Oct 17, 2026, the stock trades 59% below that value. Over the last 10 fiscal years revenue grew 36.2% a year to $265.6M, with an average return on invested capital of 11.1%.
- Graham intrinsic value
- $348.37
- Share price (Oct 17, 2026)
- $144.08
- Price vs Graham value
- 59% below
- Market cap
- $9.8B
- Revenue (FY2025)
- $265.6M
- Revenue growth (10-yr CAGR)
- 36.2%
- ROIC (10-yr avg)
- 11.1%
- Free cash flow (FY2025)
- $860.4M
WTFC 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $265.6M | $823.8M | $11.40 | $860.4M | — | — |
| FY2024 | $250.7M | $695.0M | $10.31 | $635.5M | — | 12.8% |
| FY2023 | $220.4M | $622.6M | $9.58 | $698.0M | — | 13.4% |
| FY2022 | $217.7M | $509.7M | $8.02 | $1.3B | — | 12.1% |
| FY2021 | $207.2M | $466.2M | $7.58 | $1.1B | — | 11.8% |
| FY2020 | $170.1M | $293.0M | $4.68 | -$582.1M | — | 8.1% |
| FY2019 | $161.5M | $355.7M | $6.03 | $184.0M | — | 11.2% |
| FY2018 | $152.5M | $343.2M | $5.86 | $308.9M | — | 12.2% |
| FY2017 | $139.0M | $257.7M | $4.40 | $341.8M | — | 9.9% |
| FY2016 | $16.4M | $206.9M | $3.66 | $275.2M | — | 8.3% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
WINTRUST FINANCIAL CORP is a consistent compounder, expanding top-line revenue at 36.2% annually over the past decade.
WINTRUST FINANCIAL CORP returns on capital have been average, hovering around 11.1% ROIC over the decade.
WINTRUST FINANCIAL CORP has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, WINTRUST FINANCIAL CORP is modeled at 13.5% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $348.37 per share.