WTFC logo

WINTRUST FINANCIAL CORP

WTFCNASDAQ
πŸ† #902 by market capEarnings Oct 19US Equity
$143.49β–Ό $0.53 (βˆ’0.37%)
πŸŒ™ After hours$143.49β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 0.4%
7dβ–Ό 0.1%
14dβ–Ό 3.2%
30dβ–Ό 4.6%
ytdβ–² 2.5%
1yβ–² 8.4%
🏦Market Cap
$9.68B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+6.7%
Slowing
πŸ“ŠGross Margin
63.5%
High
πŸ’΅FCF Margin
36.8%
Strong
βš–οΈP/S Ratio
2.2x
Cheap
Otter Score
84
Good

Trading Snapshot

Day Range
$142.59 – $144.34
52-Week Range
$119.61 – $167.22
Volume
$2.90B
Avg Volume
$2.80B
Shares Outstanding
67.4M
Next Earnings
Dec 15, 2026

Fundamentals Snapshot

Annual Revenue
$4.23B
Last Q Revenue
$1.10B
P/E Ratio
11.4
P/S Ratio
2.2x
EPS (TTM)
$13.35
Dividend Yield
1.49%
Dilution (1yr)
βˆ’0.1%

Why Investors Own WTFC

  • βœ“High-growth profile β€” revenue up +10.1% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 47% gross margin and 5% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

WTFC logo

WINTRUST FINANCIAL CORP

WTFC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$4.2Bβ–² +6.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
62.2%β–² +5.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$1.1Bβ–² +18.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$860Mβ–² +35.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
67.6Mβ–Ό βˆ’0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$4.0Bβ–Ό βˆ’$4.6B YoY
StockOtter Β· stockotter.space

About WINTRUST FINANCIAL CORP

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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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
84/100

Analyst Price Target

β“˜
Average Target
$158.28
β–² +10.3% Upside
High Target$171.48
Low Target$130.66
Based on 31 analysts

Latest News & Updates

Zacks Investment ResearchΒ·4d ago

After Plunging 5.7% in 4 Weeks, Here's Why the Trend Might Reverse for Wintrust (WTFC)

The heavy selling pressure might have exhausted for Wintrust (WTFC) as it is technically in oversold territory now. In addition to this technical measure, strong agreement among Wall Street analysts in revising earnings

Seeking AlphaΒ·11d ago

Wintrust Financial: Despite Short Term Pain, The Firm Should Continue To Deliver

Wintrust Financial Corporation (WTFC) maintains a soft β€˜buy' rating, supported by robust growth and strong asset quality despite fair valuation. WTFC's deposits rose to $61.14B and loans to $55.25B, with low brokered dep

Defense WorldΒ·12d ago

Corient Private Wealth LP Buys 6,214 Shares of Wintrust Financial Corporation $WTFC

Corient Private Wealth LP boosted its position in shares of Wintrust Financial Corporation (NASDAQ: WTFC) by 12.2% during the second quarter, according to the company in its most recent filing with the Securities and Exc

Seeking AlphaΒ·20d ago

Wintrust Financial Corporation: Lower Yield And Premium Valuation Equals Few Share Price Catalysts

Wintrust Financial Corporation is rated HOLD after reporting modest low single-digit earnings growth for 2Q26. WTFC trades at a 1.7x price/tangible book premium, with a 1.4% dividend yield and no share buybacks, making i

Defense WorldΒ·29d ago

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 undefined quarter, according to the company in its most recent 13F filing with the Securities and Exch

Defense WorldΒ·Aug 25

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 Commissio