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Wintrust Financial: Provisions Normalization To Hurt Earnings

Sheen Bay Research profile picture
Sheen Bay Research


  • Strong loan growth will likely continue in the coming quarters due to a robust pipeline and economic recovery.
  • The net interest income is quite sensitive to an interest rate hike. Thus, the margin will likely expand in 2022.
  • After a year of substantial loan loss reserve releases, the provisioning will likely return to a normal level next year on the back of robust loan growth.
  • The December 2022 target price suggests a small upside from the current market price. Further, WTFC is offering a low and unattractive dividend yield.

Small box in a newspaper containing interest rates info

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Wintrust Financial Corporation's (NASDAQ: NASDAQ:WTFC) earnings will benefit from continued strong loan growth next year. Further, the company's asset-sensitive balance sheet and an anticipated interest rate hike will expand the margin and support the bottom line. On the

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Sheen Bay Research profile picture
Around 10 years of experience covering Banks and Macroeconomics. Passionate about discovering lucrative investments and generating alpha.

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