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Wintrust Financial Corporation

WTFC Financial Banks Regional

Wintrust Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.2 billion, up 6.66% from fiscal 2024.

Revenue
+4.06%
EPS
+21.3%
Free cash flow
−23.8%
Total debt
+1.77%

Quarter to September 2026, against a year earlier

151.56 4.56 −2.92%
Market cap
$10.2B
P/E
11.5×
Fwd P/E
11.4×
Dividend yield
1.45%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

Insider Decisions last twelve months

Sold, $m 8.38
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — 5 1 2 2 1 — — 1 — 1 —
Insider Ownership 1.52%

Capital & Financial Ratios $m

Size
Market Cap 10,240.00
Revenue ttm 4,390.23
Net income ttm 900.36
Free cash flow ttm 1,573.03
Net debt Q 165.36
Valuation
P/E 11.46
Forward P/E 11.40
Price / sales 2.33
Forward P/S Powerpack
Price / FCF 6.50
Price / book 1.49
Financial health
Current ratio Q 0.98
Debt / equity Q 0.60
Interest coverage Q —
Growth
Revenue growth Q +4.06% (above 0%: growing)
Operating income growth Q +10.23% (above 0%: growing)
EPS, this year +16.97% (at or above 15%: strong)
EPS, next year A +5.99%
Revenue, next year A −29.48% (below 0%: weak)
EPS, past 5 yrs +19.49% (at or above 15%: strong)
EPS, next 5 yrs A +10.28%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 36.16%
10-year low 10-year high
P/S against its own 10 years 50.86%
10-year low 10-year high
P/B against its own 10 years 83.90%
10-year low 10-year high

Dividends raised every year since 2018

Yield
1.45%
Annual rate
2.20
Payout ratio
16.9%
Growth, 2018–26
+14.2%/yr
  1. 0.76 ’18
  2. 1.00 ’19 +32
  3. 1.12 ’20 +12
  4. 1.24 ’21 +11
  5. 1.36 ’22 +10
  6. 1.60 ’23 +18
  7. 1.80 ’24 +13
  8. 2.00 ’25 +11
  9. 2.20 ’26 +10
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 2,512 4,872 3,648 4,193
Receivables — — — —
Inventory — — — —
Other — — — —
46,846 54,652 59,168 62,851
2023 2024 2025 Q'26
Payables 45,397 52,512 57,717 62,435
ST’ Debt — — — —
Other — — — —
47,197 54,297 59,402 64,323

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%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 3.29 Actual 3.37

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 2.93 3.15 Beat by 0.22
Q1 FY26 2.96 3.22 Beat by 0.26
Q2 FY26 3.15 3.30 Beat by 0.15
Q3 FY26 3.29 3.37 Beat by 0.08
Q4 FY26 3.41 — Reports 19 January 2027

EPS $

Mar Jun Sep Dec Year
’26 3.22 3.30 3.37 — —
’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.

Revenue $m

Mar Jun Sep Dec Year
’26 1,062 1,103 1,139 — —
’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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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)
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 40.2% a year for ten years. It grew 15.8% a year over the last ten.

Implied
40.2%
10 years, reported
15.8%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,138 1,266 1,527 1,792 1,897 1,862 2,208 3,327 3,966 4,230 4,390 +15.7% 2,983 3,188 3,403 (7.0%)
Gross margin, % 92.07 90.96 86.52 81.58 86.66 91.91 88.59 68.28 61.80 64.44 66.60 (27.6) pt
EBT 332 390 460 480 390 638 701 845 947 1,118 1,247 +14.5%
EBT margin, % 29.16 30.81 30.13 26.79 20.54 34.26 31.72 25.40 23.88 26.44 28.41 (2.7) pt
Net income 207 258 343 356 293 466 510 623 695 824 900 +16.6%
Per share, $
Per share, $ Revenue 22.63 23.14 27.12 31.52 32.98 32.66 37.30 54.41 62.27 63.23 65.07 +12.1%
Earnings 3.83 4.53 5.95 6.11 4.72 7.69 8.14 9.72 10.47 11.57 13.23 +13.1%
Cash flow 6.18 7.34 6.70 4.68 (9.01) 19.84 23.22 12.17 11.33 13.61 0.00 +9.2%
Capex (0.67) (1.08) (1.21) (1.44) (1.11) (1.00) (0.90) (0.76) (1.35) (0.75) 0.00 +1.1%
Free cash flow 5.51 6.26 5.49 3.24 (10.12) 18.84 22.32 11.41 9.98 12.86 0.00 +9.9%
Book value 53.61 54.42 58.04 64.92 71.55 78.93 81.02 88.30 99.62 108.51 108.05 +8.1%
Shares, m 50 55 56 57 58 57 59 61 64 67 67 +3.2%
Valuation, ×
Valuation, × P/E 18.93 18.17 11.19 11.60 12.97 11.81 10.29 9.53 11.91 12.07 11.46 12.8
P/S 3.20 3.56 2.45 2.25 1.85 2.78 2.24 1.70 2.00 2.21 2.33 2.4
P/B 1.49 1.58 1.19 1.13 0.95 1.27 1.13 1.14 1.34 1.37 1.49 1.3
EV/Sales 2.81 3.46 2.27 1.88 0.44 0.60 2.75 2.05 1.84 2.41 — 2.0
EV/FCF 11.53 12.79 11.21 18.27 (1.42) 1.04 4.60 9.77 11.50 11.84 — 9.1
Cash, $m
Cash, $m Operating cash flow 311 402 377 266 (518) 1,131 1,375 744 722 910 1,644 +12.7%
Capex (34) (59) (68) (82) (64) (57) (53) (46) (86) (50) (71) +4.4%
Free cash flow 277 342 309 184 (582) 1,074 1,322 698 636 860 1,573 +13.4%
Balance, $m
Balance, $m Working capital (237) 122 (366) (596) 1,200 (264) (513) (351) 355 (234) (1,473) (0.1%)
Net debt (444) (123) (281) (669) (2,688) (4,059) 1,123 1,151 (634) 833 165 n/m
Shareholders’ equity 2,696 2,977 3,268 3,691 4,116 4,499 4,797 5,400 6,344 7,259 7,290 +11.6%
Returns, %
Returns, % ROA 0.79 0.93 1.13 1.02 0.66 0.92 0.93 1.09 1.10 1.14 1.22 +0.4 pt
ROIC 9.21 8.54 9.63 9.93 17.06 90.69 7.40 8.06 10.37 8.64 10.46 (0.6) pt
ROE 8.46 9.36 11.18 10.36 7.47 11.25 11.37 12.69 12.22 12.13 13.19 +3.7 pt
People
People Employees 3,878 4,075 4,727 5,057 5,364 5,239 5,275 5,521 5,903 5,902 — +4.8%
Revenue/emp, $m 0.29 0.31 0.32 0.35 0.35 0.36 0.42 0.60 0.67 0.72 — +10.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Business profile

Updated

Wintrust Financial Corporation is a financial holding company headquartered in Rosemont, Illinois. Founded in 1991, it provides banking, financing and wealth management services. Timothy S. Crane is its president and chief executive officer.

Its community banks take deposits and make loans to individuals, businesses, local governments and institutional clients. They also offer services that help business customers manage payments and cash. Wintrust operates through sixteen banking subsidiaries, each with its own charter, and had 209 banking locations as of December 31, 2025. Its banking customers are generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana and west Michigan.

Wintrust Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FHN First Horizon Corporation $11.0B 16.4× 16.5× −39.55% (below 0%: shrinking) n/m +664.86% (above 0%: growing) 52.50% 0.00% Compare
WTFC Wintrust Financial Corporation $10.2B 11.5× 11.4× +4.06% (above 0%: growing) +21.28% (above 0%: growing) −23.80% (below 0%: shrinking) 66.53% 0.00%
UMBF UMB Financial Corporation $10.2B 10.1× 9.8× +4.21% (above 0%: growing) +53.84% (above 0%: growing) +39.21% (above 0%: growing) 68.49% 0.00% Compare
SSB SouthState Bank Corporation $10.1B 11.1× 11.3× −2.24% (below 0%: shrinking) −5.33% (below 0%: shrinking) +285.97% (above 0%: growing) 71.49% 0.00% Compare
CIB Grupo Cibest S.A. - Sponsored ADR $10.1B 18.0× — +178.87% (above 0%: growing) +85.47% (above 0%: growing) −187.28% (below 0%: shrinking) 71.39% 0.00% Compare
BPOP Popular, Inc. $9.8B 10.5× 9.7× +4.48% (above 0%: growing) +40.78% (above 0%: growing) +46.43% (above 0%: growing) 75.20% 0.00% Compare
CFR Cullen/Frost Bankers, Inc. $9.7B 14.6× 14.2× +2.95% (above 0%: growing) +6.37% (above 0%: growing) +21.44% (above 0%: growing) 78.65% 0.00% Compare
ONB Old National Bancorp $9.5B 10.2× 9.8× −0.23% (below 0%: shrinking) +43.48% (above 0%: growing) +11.48% (above 0%: growing) 68.19% 0.00% Compare
ZION Zions Bancorporation, N.A. $9.5B 8.0× 8.2× −0.80% (below 0%: shrinking) +20.27% (above 0%: growing) +518.28% (above 0%: growing) 70.88% 0.00% Compare
Median of peers $9.9B 10.8× 9.8× +1.36% +40.78% +42.82% 71.13% 0.00%

All 327 Banks Regional stocks →

From the latest earnings call

Updated

  • On the first-quarter call, CEO Timothy Crane expected loan growth for the rest of 2026 and said Wintrust would seek comparable deposit growth.
  • Chief Credit Officer Richard Murphy described commercial credit issues as isolated customer situations rather than an industry concentration during the first-quarter call.

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 95.89%
Held by the ten largest 46.48%
Holder Shares Stake Change
Vanguard 7.22m 10.71% +67.36k
BlackRock 6.58m 9.76% +286.83k
Fidelity (FMR) 5.12m 7.59% −164.06k
Dimensional Fund Advisors 2.68m 3.97% −25.99k
State Street 2.66m 3.94% +71.96k
First Trust 1.75m 2.59% −80.92k
EARNEST PARTNERS LLC 1.37m 2.04% −26.07k
Capital Group 1.37m 2.03% +37.92k
Geode Capital Management 1.34m 1.98% +18.65k
Principal Financial 1.26m 1.86% −19.48k
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Wintrust Financial Corporation (WTFC) Latest News

29 Oct

Impact 4 · · Investing.com

22 Oct

Impact 4 · · StockStory

21 Oct

Impact 3 · · StockStory

20 Oct

Impact 4 · · Simply Wall St. earnings
Impact 4 · · The Motley Fool
Impact 4 · · MarketBeat
Impact 4 · · Moby
Impact 3 · · The Motley Fool transcript
Impact 3 · · Simply Wall St.

19 Oct

Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Zacks
Impact 3 · · Associated Press

17 Oct

Impact 3 · · StockStory

14 Oct

Impact 3 · · Zacks

13 Oct

Impact 3 · · Zacks

12 Oct

Impact 3 · · StockStory
Impact 3 · · Zacks

7 Oct

Impact 3 · · Simply Wall St.

25 Sep

Impact 3 · · Zacks

13 Aug

Impact 3 ·

21 Jul

Impact 4 ·
Impact 4 · · Moby
Impact 3 · · MarketBeat

20 Jul

Impact 3 ·

18 Jul

Impact 3 ·

13 Jul

Impact 3 ·

7 Jul

Impact 3 ·

6 Jul

Impact 3 ·

28 Apr

Impact 3 ·

WTFC metrics, ten years each

stockrow.com/WTFC · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com