Wintrust Financial Corporation WTFC

146.11 1.79 1.24% as of 25 Sep
Market cap
$9.7B
P/E
11.6×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 7.32
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — 5 1 2 2 1 — — 1 —
Insider Ownership 1.47%

Capital & Financial Ratios

Market Cap 9,740.00
Revenue 4,345.76
Net Income 900.36
Free Cash Flow 1,573.03
Net Debt 204.03
Current Ratio 0.98
Debt/Equity 0.58
P/E ratio 11.57
P/S ratio 2.27
P/B ratio 1.39
Past 5Y EPS Growth 11.32%
This Y EPS Growth 15.23%
Next Y EPS Growth 5.15%
Next 5Y EPS Growth 9.86%
in millions of $

Dividends

Payout Ratio 0.15
Annual Dividend Rate 1.60
Annual Dividend Yield 1.79%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 2.20
0.55
0.55
0.55
2025 2.00
0.50
0.50
0.50
0.50
2024 1.80
0.45
0.45
0.45
0.45
2023 1.60
0.40
0.40
0.40
0.40
2022 1.36
0.34
0.34
0.34
0.34
2021 1.24
0.31
0.31
0.31
0.31
2020 1.12
0.28
0.28
0.28
0.28
2019 1.00
0.25
0.25
0.25
0.25
2018 0.76
0.19
0.19
0.19
0.19
2017 0.56
0.14
0.14
0.14
0.14
2016 0.48
0.12
0.12
0.12
0.12
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 2,512 4,872 3,648 4,170
Receivables — — — —
Inventory — — — —
Other — — — —
46,846 54,652 59,168 61,496
2023 2024 2025 Q'26
Payables 45,397 52,512 57,717 61,141
ST’ Debt — — — —
Other — — — —
47,197 54,297 59,402 62,769
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 15.63% 17.39% 24.19%
Cash Flow 37.04% 0.00% (12.84%)
Earnings 18.16% 23.30% 17.13%
Book Value 11.93% 12.02% 14.81%

Revenue

Mar Jun Sep Dec Year
’26 1,062 1,103 — — —
’25 1,004 1,045 1,095 1,087 4,230
’24 946 971 1,022 1,027 3,966
’23 747 810 875 895 3,327
’22 491 475 568 675 2,208
’21 492 449 459 462 1,862
’20 457 492 482 466 1,897
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 927 255 — — —
’25 120 329 210 252 910
’24 71 221 (62) 491 722
’23 68 340 88 248 744
’22 458 365 232 320 1,375
’21 217 432 82 400 1,131
’20 (380) 10 (53) (95) (518)
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 914 238 — — —
’25 127 312 193 229 860
’24 61 182 (78) 471 636
’23 59 340 68 231 698
’22 450 350 218 304 1,322
’21 212 424 71 366 1,074
’20 (401) (7) (70) (105) (582)
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 3.22 3.30 — — —
’25 2.69 2.78 2.78 3.15 11.40
’24 2.89 2.32 2.47 2.63 10.31
’23 2.80 2.38 2.53 1.87 9.58
’22 2.07 1.49 2.21 2.23 8.02
’21 2.54 1.70 1.77 1.58 7.58
’20 1.04 0.34 1.67 1.63 4.68
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.9
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
37.96 64.14 61.53 59.34 22.02 59.88 76.13 57.48 89.68 89.10

Analyst estimates 2026–2028

Powerpack
Low Price
73.94 86.80 99.96 78.25 71.90 97.11 105.56 98.23 142.04 144.70
High Price
3,878 4,075 4,727 5,057 5,364 5,239 5,275 5,521 5,903 5,902
Employees
0 0 0 0 0 0 0 1 1 1
Revenue/Emp
1,138 1,266 1,527 1,792 1,897 1,862 2,208 3,327 3,966 4,230
Revenue
92.07% 90.96% 86.52% 81.58% 86.66% 91.91% 88.59% 68.28% 61.80% 64.44%
Gross Margin
332 390 460 480 390 638 701 845 947 1,118
EBT
29.16% 30.81% 30.13% 26.79% 20.54% 34.26% 31.72% 25.40% 23.88% 26.44%
EBT Margin
207 258 343 356 293 466 510 623 695 824
Net Income
59 69 75 95 107 108 84 86 98 108
Depreciation
22.63 23.14 27.12 31.52 32.98 32.66 37.30 54.41 62.27 63.23
Revenue/Sh
3.83 4.53 5.95 6.11 4.72 7.69 8.14 9.72 10.47 11.57
Earnings/Sh
6.18 7.34 6.70 4.68 (9.01) 19.84 23.22 12.17 11.33 13.61
Cash Flow/Sh
(0.67) (1.08) (1.21) (1.44) (1.11) (1.00) (0.90) (0.76) (1.35) (0.75)
Capex/Sh
5.51 6.26 5.49 3.24 (10.12) 18.84 22.32 11.41 9.98 12.86
Free CF/Sh
53.61 54.42 58.04 64.92 71.55 78.93 81.02 88.30 99.62 108.51
Book Value/Sh
50 55 56 57 58 57 59 61 64 67
Shares
18.93 18.17 11.19 11.60 12.97 11.81 10.29 9.53 11.91 12.07
PE Ratio
3.20 3.56 2.45 2.25 1.85 2.78 2.24 1.70 2.00 2.21
PS Ratio
1.49 1.58 1.19 1.13 0.95 1.27 1.13 1.14 1.34 1.37
PB Ratio
2.81 3.46 2.27 1.88 0.44 0.60 2.75 2.05 1.84 2.41
EV/Sales
11.53 12.79 11.21 18.27 (1.42) 1.04 4.60 9.77 11.50 11.84
EV/FCF
311 402 377 266 (518) 1,131 1,375 744 722 910
Op' Cash Flow
(34) (59) (68) (82) (64) (57) (53) (46) (86) (50)
Capex
277 342 309 184 (582) 1,074 1,322 698 636 860
FCF
(237) 122 (366) (596) 1,200 (264) (513) (351) 355 (234)
Working Cap'
809 1,218 1,213 1,783 2,437 2,426 3,604 3,663 4,238 4,481
Total Debt
(444) (123) (281) (669) (2,688) (4,059) 1,123 1,151 (634) 833
Net Debt
2,696 2,977 3,268 3,691 4,116 4,499 4,797 5,400 6,344 7,259
Sh' Equity
0.79% 0.93% 1.13% 1.02% 0.66% 0.92% 0.93% 1.09% 1.10% 1.14%
ROA
9.21% 8.54% 9.63% 9.93% 17.06% 90.69% 7.40% 8.06% 10.37% 8.64%
ROIC
8.46% 9.36% 11.18% 10.36% 7.47% 11.25% 11.37% 12.69% 12.22% 12.13%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Wintrust Financial Corporation peers in Banks Regional

All 325 Banks Regional stocks →

Wintrust Financial Corporation (WTFC) key facts

  • Wintrust Financial Corporation (WTFC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Wintrust Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.2 billion, up 6.66% from fiscal 2024.
  • As of September 25, 2026, WTFC traded at $146.11, a market capitalization of $9.7 billion.
  • Wintrust Financial Corporation pays an annual dividend of $1.60 per share, a yield of 1.79%, with a payout ratio of 15.4%.
  • Return on equity was 12.1% and debt-to-equity 0.58.

Source: company filings (standardised) and stockrow calculations.

Wintrust Financial Corporation (WTFC) Latest News

News by impact score

Fine-tune

25 Sep

3

Wintrust Financial (WTFC) slid 5.7% in the last four weeks and now sits in oversold territory, with an RSI around 28.7, hinting at a possible rebound though RSI has limitations. Fundamentally, analysts have raised earnings expectations for the year by about 0.3% over the past month. WTFC also holds a Zacks Rank #2 (Buy), implying favorable revisions and EPS surprises among a subset of stocks. Together, these factors suggest a potential near-term turnaround despite recent selling pressure. Analysts' earnings revisions and a bullish Zacks Rank indicate potential near-term upside despite oversold RSI.

13 Aug

3

Wintrust Financial reports Q2 earnings and positions results against other regional banks stocks. Q2 earnings comparison to regional peers can shift investor views on performance and positioning.

21 Jul

4

Wintrust Financial Corp posted record net income for Q2 2026 alongside robust growth in operations and key metrics. Record net income and growth signal strong performance likely to lift near-term stock price and investor sentiment.

4

Wintrust Financial Corporation reported Q2 2026 earnings with details on revenue, net income, loan growth, deposit trends, and management outlook during its earnings call. Quarterly earnings results and forward guidance typically drive material shifts in investor sentiment and near-term stock performance for Wintrust Financial Corporation.

3

Wintrust Financial Corporation held its Q2 earnings call, covering financial results, performance metrics and strategic outlook. Q2 earnings highlights reveal performance details that can shift near-term investor sentiment and valuation.

20 Jul

3

Wintrust Financial Corporation reports record net income. Record net income signals stronger financial results that may lift near-term stock sentiment and valuation.

18 Jul

3

Wintrust Financial Corporation (WTFC) is scheduled to report earnings tomorrow. Earnings release may moderately influence short-term stock performance and sentiment.

13 Jul

3

Wintrust Financial (WTFC) earnings are expected to grow ahead of next week's release. Pre-release earnings growth expectations may moderately influence short-term investor sentiment and stock performance.

7 Jul

3

Northern Trust exits its guardianship business by selling to Wintrust Financial in a strategic pivot. WTFC gains guardianship business via NTRS acquisition, expanding operations with moderate revenue impact.

6 Jul

3

Wintrust Financial Corporation acquires Northern Trust guardianship services business. Acquisition adds niche service line and clients but remains limited in scale relative to core banking operations.

28 Apr

3

Wintrust Financial (WTFC) reports rising charge-offs signaling credit quality concerns, alongside a dividend adjustment analyzed for shareholder implications amid potential profitability pressures. Rising charge-offs threaten near-term financial performance and credit metrics, offset somewhat by the dividend move's signal of shareholder commitment.

27 Apr

3

Wintrust Financial Corporation's Q1 earnings call highlighted the top five analyst questions on performance metrics, loan growth, deposit trends, net interest margins, and future outlook amid economic conditions. Q1 earnings call analyst questions moderately influence perceptions of financial performance and strategic positioning.

22 Apr

4

Wintrust Financial Corp (WTFC) reported record net income and robust results in its Q1 2026 earnings call. Record net income and robust performance signal strong financial health, significantly boosting investor sentiment and future stock trajectory.

21 Apr

4

WTFC Q1 features robust loan growth, deposit momentum, and stable credit quality driving positive outlook. Q1 loan growth, deposit gains, and stable credit metrics signal significant positive trajectory for WTFC's performance and investor sentiment.

4 transcript

Wintrust Financial (WTFC) Q1 2026 earnings call transcript released, detailing quarterly financial results, management discussion, and forward-looking guidance. Q1 2026 earnings transcript discloses core financial metrics, operational updates, and strategic outlook directly impacting WTFC's valuation and market trajectory.

4

Wintrust Financial Corporation's Q1 earnings call highlights key financial results, performance metrics, and forward-looking statements. Q1 earnings highlights directly impact financial performance metrics and investor expectations for future growth.

4

Wintrust Financial Corporation released Q1 2026 earnings call summary detailing quarterly financial results, strategic updates, and future outlook. Quarterly earnings call summaries disclose financial metrics and guidance that significantly influence investor sentiment and stock performance.

20 Apr

4

Wintrust (WTFC) Q1 earnings key metrics compared to estimates, highlighting performance against analyst expectations. Q1 earnings metrics versus estimates significantly affect WTFC's financial trajectory and investor sentiment.

4

Wintrust Financial Corporation (WTFC) reported first-quarter earnings and revenues that beat analyst estimates. Beating Q1 earnings and revenue estimates enhances WTFC's financial outlook and investor sentiment significantly.

4

Wintrust Financial (NASDAQ:WTFC) exceeded expectations for Q1 CY2026. Exceeding quarterly expectations enhances financial outlook and investor sentiment significantly.

4

Wintrust Financial Corporation reported record quarterly net income. Record quarterly net income demonstrates strong financial performance boosting investor sentiment and stock trajectory.

4 transcript

Wintrust Financial Corporation (WTFC) Q4 2025 earnings call transcript details quarterly financial results, strategic updates, and forward guidance. Q4 earnings transcript covers financial performance, outlook, and strategies with potential to drive significant shifts in investor sentiment and market valuation.

4 transcript

Wintrust Financial Corporation (WTFC) Q3 2024 earnings call transcript covers quarterly financial results, strategic updates, and forward-looking guidance. Quarterly earnings call reveals financial performance and management outlook, likely driving significant shifts in stock price and investor sentiment.

19 Apr

3

Wintrust Financial Corporation (WTFC) Q1 performance previewed with key metrics, expectations, and insights ahead of official earnings release. Q1 earnings preview influences investor sentiment and short-term market performance but lacks actual results for profound impact.

25 Mar

3

Wintrust Financial Corporation (WTFC) outlined its growth plans during a presentation at the RBC Conference. Disclosure of growth plans at an investor conference offers moderate insight into strategic direction with potential to influence financial performance and market sentiment.

24 Mar

3

Wintrust Financial Corporation (WTFC) upgraded to Buy rating by analysts due to strong fundamentals, robust loan growth, and attractive valuation. Analyst upgrade to Buy highlights improved outlook on financials and growth, likely influencing investor sentiment and stock price moderately.

27 Feb

3

Wintrust Financial (WTFC) shares trade near a P/E ratio of 13.2x, with DCF analysis signaling the stock is undervalued. Valuation assessment highlighting a DCF discount at 13.2x P/E moderately influences investor sentiment and stock performance.

9 Feb

3

Wintrust Financial Corporation is highlighted for its investment strategy focusing on dividend yields, particularly through Dime Community Bancshares. The analysis emphasizes the importance of dividends in generating returns for investors, especially in a fluctuating market. The article provides insights into the financial health and dividend policies of Dime Community Bancshares, suggesting that such investments could be beneficial for Wintrust's portfolio and overall financial strategy. Investing in dividend-yielding stocks like Dime Community Bancshares may moderately influence Wintrust's financial performance and market positioning.

6 Feb

3

Wintrust Financial Corporation has announced a dividend hike, signaling a potential shift in its capital priorities. This increase may reflect the company's confidence in its financial stability and growth prospects, suggesting a strategic focus on returning value to shareholders. Analysts are evaluating whether this move indicates a broader change in the company's approach to capital allocation, particularly in light of market conditions and competitive pressures. The dividend hike may influence investor sentiment and financial performance, but its overall effect is expected to be somewhat limited.

29 Jan

3 transcript

LPL Financial reported its Q4 2025 earnings, highlighting significant growth in revenue and client assets. The company emphasized its strategic initiatives aimed at enhancing advisor support and technology integration. Key metrics showed an increase in net income and a positive outlook for future performance, driven by strong market demand and effective cost management. Management provided insights into upcoming projects and market trends that could influence the financial landscape. The earnings report indicates moderate growth and strategic initiatives that may influence market positioning but are not expected to drastically alter the company's trajectory.

stockrow.com/WTFC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com