Wintrust Financial Corporation

WTFC • Banks - Regional

$154.12

▲ +0.60 (+0.39%)

Current price

EarningsLatest report: Jun 30, 2026

FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.

Market Cap

$10.50B

Growth

14.2%

Cash Flow

5/5

Trend

Stable

Evidence

Stable or improving margins · 19.5%Positive revenue growth · 17.9%Positive free cash flow · 12.85Consistent free cash flow · 5/5Reasonable earnings multiple · 11.37

Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 12:32 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$154.12

Change0.39%

Shares Out68.10M

Market Cap$10.50B

Enterprise Value$-152.89M

52W Range119.61 - 167.22

Beta0.84

P/E11.66

P/S2.42

P/B1.39

P/FCF4.17

EV/Sales-0.04

Price$154.12

Change0.39%

Shares Out68.10M

Market Cap$10.50B

Enterprise Value$-152.89M

52W Range119.61 - 167.22

Beta0.84

P/E11.66

P/S2.42

P/B1.39

P/FCF4.17

EV/Sales-0.04

EV/EBITDA-0.12

EV/FCF-0.06

Earnings Yield8.58%

FCF Yield23.95%

Dividend Yield2.16%

Gross Margin62.19%

Oper. Margin26.44%

Profit Margin19.48%

Debt/Eq0.62

Current Ratio0.14

Quick Ratio0.14

Revenue 5Y14.23%

Target$178.88

Target Upside16.07%

Target Median$181.50

Target Range160.00 - 192.00

Volume378.50K

Avg Volume545.19K

EPS Surprise0.26

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

85/100

Financial Strength

Debt, cash, stability

35/100

Growth Potential

Revenue and expansion

58/100

Price Attractiveness

Cheap or expensive today

87/100

Why this score▼

Stable or improving margins · 19.5%Positive revenue growth · 17.9%Positive free cash flow · 12.85Consistent free cash flow · 5/5Reasonable earnings multiple · 11.37Manageable debt level · 0.62

Analyst view

Analyst sentiment and price target

WTFC

Analyst sentiment

Based on 22 analyst votes · 2026-09-05

84/100

Bullish

Hold

Bearish

Price Target

2026-08-07

Low

$160.00

Mean

$178.88

Median

$181.50

High

$192.00

Company Overview

IPO: 4/16/1998

Industry: Banks - Regional

P/B i: 1.39

Debt / Equity i: 0.62

Operating Margin: 26.44%

Net Margin: 19.48%

ROE i: -

ROIC: -

Financial Health

Score7 / 20

Debt / Equity: 0.62

Current Ratio: 0.14

Quick Ratio: 0.14

Status: Weak

Warnings

Weak Liquidity
Weak quick ratio

Insider Transactions

Recent executive and insider activity

TEGLIA KARIN GUSTAFSON

Transaction: 06/30/2026

BUY

Change

+485

Price

$138.94

Filing

07/02/2026

Type

BUY

Kohl Laura A.

Transaction: 06/30/2026

BUY

Change

+399

Price

$138.94

Filing

07/02/2026

Type

BUY

MCKINNEY SUZET M

Transaction: 06/30/2026

BUY

Change

+408

Price

$138.94

Filing

07/02/2026

Type

BUY

Insider	Type	Change	Price	Transaction	Filing
TEGLIA KARIN GUSTAFSON	BUY	+485	$138.94	06/30/2026	07/02/2026
Kohl Laura A.	BUY	+399	$138.94	06/30/2026	07/02/2026
MCKINNEY SUZET M	BUY	+408	$138.94	06/30/2026	07/02/2026
Smith Gregory A	BUY	+447	$138.94	06/30/2026	07/02/2026
WEHMER EDWARD J	BUY	+220	$150.69	05/28/2026	05/29/2026
DYKSTRA DAVID A	BUY	+154	$150.69	05/28/2026	05/29/2026
MURPHY RICHARD B	SELL	-1,661	Not reported	05/05/2026	05/06/2026
MCKINNEY SUZET M	SELL	-500	$148.96	05/04/2026	05/06/2026
DYKSTRA DAVID A	SELL	-9,579	$148.82	04/27/2026	04/28/2026
STOEHR DAVID L	SELL	-3,020	$150.45	04/23/2026	04/24/2026
HACKETT H PATRICK JR	BUY	+12	$139.82	03/31/2026	04/01/2026
RICHTER DAVID S	BUY	+405	$139.82	03/31/2026	04/01/2026
DOYLE WILLIAM J	BUY	+466	$139.82	03/31/2026	04/01/2026
WASHINGTON ALEX E III	BUY	+524	$139.82	03/31/2026	04/01/2026
TEGLIA KARIN GUSTAFSON	BUY	+479	$139.82	03/31/2026	04/01/2026
GLABE MARLA F	BUY	+412	$139.82	03/31/2026	04/01/2026
KENNEY BRIAN A	BUY	+438	$139.82	03/31/2026	04/01/2026
Smith Gregory A	BUY	+438	$139.82	03/31/2026	04/01/2026
CONNELLY ELIZABETH H.	BUY	+470	$139.82	03/31/2026	04/01/2026
Kohl Laura A.	BUY	+395	$139.82	03/31/2026	04/01/2026

About the Company

Wintrust Financial Corporation

Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers a comprehensive array of financial products and services. This includes various deposit accounts, such as non-interest-bearing, interest-bearing transaction, savings, and domestic time deposits. On the lending side, it provides home equity loans, consumer loans, and real estate financing. Customers also have access to essential banking services like safe deposit facilities, ATMs, online banking, and mobile banking. Beyond standard offerings, this segment is actively involved in originating and acquiring residential mortgages for sale in the secondary market. It extends specialized lending, deposit, and treasury management solutions to condominium, homeowner, and community associations, alongside offering asset-based financing for middle-market enterprises. Further niche services encompass loan and deposit facilities for mortgage brokerage firms, financing for restaurant franchisees, direct leasing, Small Business Administration (SBA) loans, commercial mortgages, and construction loans, all forming part of its broader financial solutions. Its client base is diverse, ranging from individuals and small to mid-sized businesses to local governmental units and institutional clients, for whom it provides both personal and commercial banking. The Specialty Finance segment delivers targeted financial services, including the financing of commercial and life insurance premiums for both corporate and individual clients. It also handles accounts receivable financing, provides value-added administrative services, and offers outsourced solutions such as payroll processing, billing, and cash management tailored specifically for the temporary staffing industry. This segment rounds out its offerings with other specialized financial products. The Wealth Management segment is dedicated to assisting clients with a full suite of services, including trust and investment management, comprehensive asset management, tax-deferred exchange facilitation, securities brokerage, and retirement plan services. Wintrust maintains a significant physical presence, operating 173 banking facilities and 228 ATMs. Its geographic footprint covers the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. The company, established in 1991, is headquartered in Rosemont, Illinois.

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Peers

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1Y peer performance

Top performers + selected company

Latest news

Corient Private Wealth LP Makes New Investment in Wintrust Financial Corporation $WTFC

Corient Private Wealth LP purchased a new stake in shares of Wintrust Financial Corporation (NASDAQ: WTFC) during the quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The firm purchased 57,513 shares of the bank's stock, valued at approximately $9,244,000. Corient Private Wealth LP

Defense World

Bank of New York Mellon Corp Acquires New Stake in Wintrust Financial Corporation $WTFC

Bank of New York Mellon Corp bought a new position in shares of Wintrust Financial Corporation (NASDAQ: WTFC) in the second quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor bought 574,854 shares of the bank's stock, valued at approximately $92,391,000. Bank of New

Defense World

Deutsche Bank AG Invests $8.32 Million in Wintrust Financial Corporation $WTFC

Deutsche Bank AG bought a new stake in Wintrust Financial Corporation (NASDAQ: WTFC) in the quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The institutional investor bought 51,770 shares of the bank's stock, valued at approximately $8,320,000. Deutsche Bank AG owned about 0.08%

Defense World

Advisors Capital Management LLC Makes New Investment in Wintrust Financial Corporation $WTFC

Advisors Capital Management LLC acquired a new stake in shares of Wintrust Financial Corporation (NASDAQ: WTFC) during the quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The fund acquired 20,654 shares of the bank's stock, valued at approximately $3,320,000. Several other institutional investors and

Defense World

Dividend Champion, Contender, And Challenger Highlights: Week August 16

A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.

Seeking Alpha

Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-20	2.96	3.22	0.26
2026-01-20	2.93	3.15	0.22
2025-10-20	2.63	3.06	0.43
2025-07-21	2.6	2.78	0.18
2025-04-21	2.49	2.69	0.2
2025-01-21	2.52	2.63	0.11
2024-10-21	2.51	2.47	-0.04
2024-07-17	2.42	2.32	-0.1
2024-04-17	2.42	2.89	0.47
2024-01-17	2.49	1.87	-0.62
2023-10-17	2.4	2.53	0.13
2023-07-19	2.38	2.38	0