Inside the research
Wintrust Financial Corporation
WTFC Research profile · latest available data
Price overview
$146.11
▲ +1.79 (+1.2%)
| 52w hi | $166.33 |
|---|---|
| 52w lo | $118.51 |
| Vol | 317.30K |
| As of | 25 Sep 2026 |
The Verdict
Our score -0.10
| Short | -0.28 |
|---|---|
| Medium | -0.09 |
| Long | +0.26 |
computed 2026-09-27
Key fundamentals
Wintrust Financial Corporation
Financial Services · Banks - Regional
| Market cap | $9.86B |
|---|---|
| Enterprise value | $10.50B |
| Trailing P/E | 11.74x |
| Forward P/E | 10.57x |
| P / S (ttm) | 3.57x |
| Profit margin | 32.6% |
| Return on equity | 12.2% |
| Revenue growth | +10.2% |
| Earnings growth | +18.7% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.35 | |
| Sector | +0.02 | |
| Technical | -0.21 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest-bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
Risk Metrics
| Beta vs SPX | 1.14 |
|---|---|
| Corr SPX | 0.61 |
| Annual vol | 29.8% |
| Annual ret | +19.4% |
| Sharpe | 0.65 |
| Max DD | -31.3% |
Window: 504 trading days (504 obs)
Analyst Coverage
| Mean PT | $174.67 |
|---|---|
| High / Low | $190.00 / $150.00 |
| Median | $178.00 |
| Analysts | 12 |
| Strong Buy | 3 | |
|---|---|---|
| Buy | 6 | |
| Hold | 3 | |
| Sell | 0 | |
| Strong Sell | 0 |
Recent rating actions
| 2026-04-23 | TD Cowen | → Buy |
| 2026-04-22 | RBC Capital | → Outperform |
| 2026-04-22 | Piper Sandler | → Overweight |
| 2026-04-22 | DA Davidson | → Buy |
| 2026-04-22 | Citigroup | → Buy |
| 2026-04-22 | Barclays | → Overweight |
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-20 | Earnings Release, Exhibits | read |
| 2026-05-29 | Shareholder Vote | read |
| 2026-04-20 | Earnings Release, Exhibits | read |
| 2026-01-20 | Earnings Release, Exhibits | read |
| 2025-12-16 | Material Agreement, Material Obligation… | read |
| 2025-12-08 | Material Agreement, Material Obligation… | read |
| 2025-10-20 | Earnings Release, Exhibits | read |
| 2025-10-02 | Officer / Director Change, Exhibits | read |
| 2025-07-21 | Earnings Release, Exhibits | read |
| 2025-07-16 | 3.03, Bylaws Amendment… | read |
| 2025-06-13 | Officer / Director Change | read |
| 2025-06-13 | Other Material Event, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-13 | DYKSTRA DAVID A | VICE CHAIRMAN AND COO | Sell | 13.52K | $2.20M |
| 2026-06-30 | Smith Gregory A | Grant | 447 | $62.11K | |
| 2026-06-30 | MCKINNEY SUZET M | Grant | 408 | $56.69K | |
| 2026-06-30 | Kohl Laura A. | Grant | 399 | $55.44K | |
| 2026-06-30 | TEGLIA KARIN GUSTAFSON | Grant | 485 | $67.39K | |
| 2026-06-30 | RICHTER DAVID S | Grant | 424 | $58.91K | |
| 2026-06-30 | GLABE MARLA F | Grant | 416 | $57.80K | |
| 2026-06-30 | WASHINGTON ALEX E III | Grant | 534 | $74.19K | |
| 2026-06-30 | KENNEY BRIAN A | Grant | 488 | $67.80K | |
| 2026-06-30 | CRIST PETER D | Grant | 710 | $98.65K |
Flow & Concentration
| Insider 180d net | -$2.20M |
|---|---|
| Insider buys / sells | 0 / 1 |
| Insider bias | Sellers |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
Dividends
| Yield (TTM) | 0.72% |
|---|---|
| $ / share (TTM) | $1.05 |
| 5y CAGR | +12.3% |
Annual dividend per share
| 2021 | $1.24 |
|---|---|
| 2022 | $1.36 |
| 2023 | $1.60 |
| 2024 | $1.80 |
| 2025 | $2.00 |
| 2026 | $0.55 |
SEC Filings
The Long Run
FY 2010–2025 · 16 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $265.63M | +8.7% | |
| Net income | $622.63M | +15.4% | |
| Cash from ops | $910.35M | +14.5% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $145.42 | $146.49 | $144.74 | $146.11 | 317.30K |
| Sep 24 | $144.18 | $144.75 | $142.67 | $144.32 | 358.40K |
| Sep 23 | $144.60 | $145.98 | $143.57 | $143.71 | 380.50K |
| Sep 22 | $147.85 | $148.54 | $144.50 | $144.70 | 419.80K |
| Sep 21 | $148.22 | $148.66 | $146.86 | $147.08 | 342.80K |
Understand the score. Research layers are inputs to a model, and the available data has limits.
Read the methodology →