Wintrust Financial Corporation Depositary Shares Each Representing a 1/1000th Interest in a Share of 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred StocK (WTFCN)

FairStock Score: 69/100 — STEADY

Key Financials

Strengths

• Solid return on equity of 12.3% above cost of capital
• Attractive 8.5% dividend yield providing steady income returns

AI Analysis

Wintrust Financial Corporation Depositary Shares Each Representing a 1/1000th Interest in a Share of 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred StocK is a micro-cap financial services company. The business generates $2.7 billion in annual revenue with a 8.1% net margin. From a quality standpoint, Wintrust shows adequate 12% ROE. Growth dynamics show revenue growing at 11.8% and profit growth of 20.3%. The 8.5% dividend yield adds an income component for patient holders. Our composite FairStock Score of 69/100 reflects above-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

Improving fundamentals and sector tailwinds could drive meaningful earnings growth, compressing the effective multiple for patient investors. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer