Wintrust Financial The bank reported last month fourth-quarter earnings of $19.2 million, or 41 cents a share, a swing from a year-earlier loss of 6 cents a 6 cents a share after the payment of higher preferred dividends. "Beyond a general rise in the sector, WTFC's valuation will have a hard time moving higher until a material lift in ROA seems sustainable, in our judgment," Sterne Agee analysts wrote in a Jan. 23 report. "Income oriented investors may want to consider WTFC's tangible equity units, which are trading for a slight discount to the conversion and boast a current yield of ~7.5%." Forward Annual Dividend Yield: 0.6% Rated "B- (Buy)" by TheStreet Ratings: The company's fourth-uarter gross profit margin increased from the prior year. In the fourth quarter, stockholders' net worth increased 7.44% from the previous year. TheStreet Ratings' price target is $35.78. The stock closed Friday at $31.95.