Wintrust Financial Corporation WTFC
- Market cap
- $9.7B
- P/E
- 11.6×
Follow WTFC
Target Price Range
Analyst price targets
Free account| 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
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| 73.94 | 86.80 | 99.96 | 78.25 | 71.90 | 97.11 | 105.56 | 98.23 | 142.04 | 144.70 |
High Price
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| 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
|
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| 1,138 | 1,266 | 1,527 | 1,792 | 1,897 | 1,862 | 2,208 | 3,327 | 3,966 | 4,230 |
Revenue
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| 92.07% | 90.96% | 86.52% | 81.58% | 86.66% | 91.91% | 88.59% | 68.28% | 61.80% | 64.44% |
Gross Margin
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| 332 | 390 | 460 | 480 | 390 | 638 | 701 | 845 | 947 | 1,118 |
EBT
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| 29.16% | 30.81% | 30.13% | 26.79% | 20.54% | 34.26% | 31.72% | 25.40% | 23.88% | 26.44% |
EBT Margin
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| 207 | 258 | 343 | 356 | 293 | 466 | 510 | 623 | 695 | 824 |
Net Income
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| 59 | 69 | 75 | 95 | 107 | 108 | 84 | 86 | 98 | 108 |
Depreciation
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| 22.63 | 23.14 | 27.12 | 31.52 | 32.98 | 32.66 | 37.30 | 54.41 | 62.27 | 63.23 |
Revenue/Sh
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| 3.83 | 4.53 | 5.95 | 6.11 | 4.72 | 7.69 | 8.14 | 9.72 | 10.47 | 11.57 |
Earnings/Sh
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| 6.18 | 7.34 | 6.70 | 4.68 | (9.01) | 19.84 | 23.22 | 12.17 | 11.33 | 13.61 |
Cash Flow/Sh
|
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| (0.67) | (1.08) | (1.21) | (1.44) | (1.11) | (1.00) | (0.90) | (0.76) | (1.35) | (0.75) |
Capex/Sh
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| 5.51 | 6.26 | 5.49 | 3.24 | (10.12) | 18.84 | 22.32 | 11.41 | 9.98 | 12.86 |
Free CF/Sh
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| 53.61 | 54.42 | 58.04 | 64.92 | 71.55 | 78.93 | 81.02 | 88.30 | 99.62 | 108.51 |
Book Value/Sh
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| 50 | 55 | 56 | 57 | 58 | 57 | 59 | 61 | 64 | 67 |
Shares
|
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| 18.93 | 18.17 | 11.19 | 11.60 | 12.97 | 11.81 | 10.29 | 9.53 | 11.91 | 12.07 |
PE Ratio
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| 3.20 | 3.56 | 2.45 | 2.25 | 1.85 | 2.78 | 2.24 | 1.70 | 2.00 | 2.21 |
PS Ratio
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| 1.49 | 1.58 | 1.19 | 1.13 | 0.95 | 1.27 | 1.13 | 1.14 | 1.34 | 1.37 |
PB Ratio
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| 2.81 | 3.46 | 2.27 | 1.88 | 0.44 | 0.60 | 2.75 | 2.05 | 1.84 | 2.41 |
EV/Sales
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| 11.53 | 12.79 | 11.21 | 18.27 | (1.42) | 1.04 | 4.60 | 9.77 | 11.50 | 11.84 |
EV/FCF
|
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| 311 | 402 | 377 | 266 | (518) | 1,131 | 1,375 | 744 | 722 | 910 |
Op' Cash Flow
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| (34) | (59) | (68) | (82) | (64) | (57) | (53) | (46) | (86) | (50) |
Capex
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| 277 | 342 | 309 | 184 | (582) | 1,074 | 1,322 | 698 | 636 | 860 |
FCF
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| (237) | 122 | (366) | (596) | 1,200 | (264) | (513) | (351) | 355 | (234) |
Working Cap'
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| 809 | 1,218 | 1,213 | 1,783 | 2,437 | 2,426 | 3,604 | 3,663 | 4,238 | 4,481 |
Total Debt
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| (444) | (123) | (281) | (669) | (2,688) | (4,059) | 1,123 | 1,151 | (634) | 833 |
Net Debt
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| 2,696 | 2,977 | 3,268 | 3,691 | 4,116 | 4,499 | 4,797 | 5,400 | 6,344 | 7,259 |
Sh' Equity
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| 0.79% | 0.93% | 1.13% | 1.02% | 0.66% | 0.92% | 0.93% | 1.09% | 1.10% | 1.14% |
ROA
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| 9.21% | 8.54% | 9.63% | 9.93% | 17.06% | 90.69% | 7.40% | 8.06% | 10.37% | 8.64% |
ROIC
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| 8.46% | 9.36% | 11.18% | 10.36% | 7.47% | 11.25% | 11.37% | 12.69% | 12.22% | 12.13% |
ROE
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Wintrust Financial Corporation peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| CFR Cullen/Frost Bankers, Inc. | $9.7B | 14.9× | Compare |
| SSB SouthState Bank Corporation | $9.9B | 10.7× | Compare |
| ONB Old National Bancorp | $9.6B | 11.3× | Compare |
| BPOP Popular, Inc. | $10.2B | 10.8× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| UMBF UMB Financial Corporation | $10.3B | 11.2× | Compare |
| ZION Zions Bancorporation, N.A. | $9.2B | 8.1× | Compare |
| CIB Grupo Cibest S.A. - Sponsored ADR | $10.5B | 18.5× | Compare |
| FHN First Horizon Corporation | $11.0B | 11.1× | Compare |
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.
Wintrust Financial Corporation (WTFC) Latest News
25 Sep
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
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
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.
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.
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
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
Wintrust Financial Corporation (WTFC) is scheduled to report earnings tomorrow. Earnings release may moderately influence short-term stock performance and sentiment.
13 Jul
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
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
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
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
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
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
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.
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.
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.
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
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.
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.
Wintrust Financial (NASDAQ:WTFC) exceeded expectations for Q1 CY2026. Exceeding quarterly expectations enhances financial outlook and investor sentiment significantly.
Wintrust Financial Corporation reported record quarterly net income. Record quarterly net income demonstrates strong financial performance boosting investor sentiment and stock trajectory.
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.
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
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
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
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
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
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
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
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.