Macatawa Bank Corporation
Total Consideration
$499.3M
Purchase-Price Allocation
Intangibles
$253.0M
Wintrust Financial Corporation — Key Metrics
2 years of history · ending 2025-12-31 · SEC EDGAR
Per Share Metrics
Expense Ratios
Working Capital Analysis
Valuation Multiples
Cash-Flow Multiples
Enterprise Value Multiples
52-Week Range
Trailing Returns
Yields
Capital Deployment Yields
Earnings Quality (OCF/NI · FCF/NI · Sloan Accruals)
EPS (Diluted)
$12
Book Value Per Share
$107
Free Cash Flow Per Share
$13
Cash Per Share
—
Revenue Per Share
$4
OCF Per Share
$13
Return on Equity
12.1%
Return on Assets
1.2%
Debt to Equity
—
Asset Turnover
0.00
SBC / Revenue
15.6%
Capex / Revenue
18.8%
Invested Capital
$7.26B
OCF / Net Income
1.11
FCF / Net Income
1.04
Accruals Ratio (Sloan)
-0.1%
Net Debt
$0
Net Debt / EBITDA
0.00
Cash Coverage
0.61
Dividend Coverage
5.37
Capex Coverage
18.22
Tangible Common Equity
$6.36B
TCE / Total Assets
8.9%
Goodwill / Total Assets
1.1%
Cash ROIC
12.7%
Capex / D&A
0.75
Total Payout Ratio
20.6%
Asset Growth vs Revenue Growth
3.7%
Revenue 5Y CAGR
9.3%
EPS 5Y CAGR
23.0%
FCF 5Y CAGR
28.1%
EBITDA 5Y CAGR
7.6%
Book Value 5Y CAGR
12.0%
Stock Price (FY-end)
$139
Market Cap
$9.46B
P/E Ratio
11.48
P/S Ratio
35.61
P/B Ratio
1.30
P/TB Ratio
1.49
P/OCF Ratio
10.39
P/FCF Ratio
10.99
Enterprise Value
$9.46B
EV / EBITDA
141.40
EV / Sales
35.61
EV / FCF
10.99
FCF Yield
9.1%
Dividend Yield
1.8%
Shareholder Yield
1.4%
Buyback Yield
—
Capex Yield
0.5%
Dividend Per Share
$2
DPS YoY Growth
12.7%
Graham Number
$171
Shares Variation (YoY)
4.9%
Beta (5Y)
1.11
Cost of Equity
10.1%
Cost of Debt (after tax)
—
52W High
$144
52W Low
$94
Trailing Return 1Y
13.5%
Trailing Return 5Y
145.0%
Earnings Forecasts
Per-quarter consensus estimates + actuals + beat/miss surprise. Sourced from Finnhub (Wall Street consensus aggregation).
Source caveat: Finnhub free tier returns the consensus mean only — analyst high / low / dispersion + analyst counts require a paid plan. A "$5.00 consensus" line above could mean "20 analysts at exactly $5" (high conviction) or "10 at $5.50, 10 at $4.50" (split). Treat single-line consensus accordingly.
EPS — Consensus vs Actual
Revenue — Consensus vs Actual
Beat / Miss vs Estimate
Stock Price on Earnings Dates
Wintrust Financial Corporation — Effective Tax Rate ReconciliationNEW
Bridges from the federal statutory rate (21% post-TCJA) to the effective tax rate via the issuer's tax-note reconciliation lines. Sourced from EffectiveIncomeTaxRateReconciliation* flat CompanyFacts concepts. Conditional lines (R&D credits, FDII, SBC, valuation allowance, etc.) only render when the issuer discloses them. Persistent divergence between accrual tax expense and cash taxes paid is a leading signal for deferred-tax buildup.
Effective Rate Trend
| Reconciliation Line | FY2011 | FY2012 | FY2013 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Federal Statutory Rate | 35.00% | 35.00% | 35.00% | 21.00% | 21.00% | 21.00% |
| State & Local Income Taxes | — | — | — | 5.00% | 5.10% | 4.80% |
| Foreign Rate Differential | — | — | — | 0.40% | 0.70% | 0.50% |
| Other Adjustments | — | — | — | -0.10% | -0.10% | 0.10% |
| Nondeductible Expenses | — | — | — | 0.90% | 0.90% | 0.80% |
| Effective Tax Rate | — | — | — | 26.30% | 26.60% | 26.30% |
Cash vs Accrual
| Item | FY2011 | FY2012 | FY2013 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Accrual) | $50.5M | $68.9M | $87.2M | $222.5M | $252.0M | $294.6M |
| Income Taxes Paid (Cash) | $57.5M | $82.1M | $97.7M | $231.7M | $252.9M | $222.4M |
Wintrust Financial Corporation — M&A AcquisitionsNEW
Per-deal acquisition disclosures sourced from us-gaap:BusinessAcquisitionAxis dimensional XBRL. Each card surfaces the deal's purchase-price allocation (goodwill vs intangibles vs liabilities), contingent consideration (unpaid earn-outs), and pro-forma combined-entity numbers. Probability-of-Success (PoS) factor on biotech targets is the ASC 805 contingent-consideration valuation — higher = closer to commercialization, higher implied target value.