WTFC Stock Analysis: Wintrust Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 9.679m USD | 12M Return: 11.1% | US97650W1080 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 64.8M
EPS Trend: 91.0%
Qual. Beats: 2
Rev. Trend: 95.6%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Wintrust Financial Corporation is a U.S. financial holding company headquartered in Rosemont, Illinois, founded in 1991 and publicly traded since 1998. It operates through three core segments: Community Banking, which provides deposit accounts, consumer and commercial loans, mortgage origination, and treasury management services; Specialty Finance, which focuses on financing for commercial and life insurance premiums, accounts receivable, equipment leasing, and payroll/billing services for the temporary staffing industry; and Wealth Management, which offers trust, investment, asset management, and securities brokerage services. The company emphasizes a community-oriented banking model serving individuals, businesses, and specialty niches across the United States.
As a regional bank holding company, Wintrust benefits from a multi-charter structure that allows it to operate numerous community bank subsidiaries across multiple states, a common approach in the U.S. regional banking sector that enables localized decision-making while sharing centralized back-office functions. Its Specialty Finance segment diversifies the business beyond traditional banking, a strategy that distinguishes it from many pure-play regional banks by generating fee-based and niche lending income alongside net interest revenue.
- Specialty Finance premium financing outpaces core banking growth
- Net interest margin expands as deposits and loan demand grow
- Wealth Management fees rise with AUM growth and equity markets
| Net Income: 900.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.92 > 1.0 |
| NWC/Revenue: -1.10k% < 20% (prev -1.11k%; Δ 12.73% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.64b > Net Income 900.4m |
| Net Debt (-10.6b) to EBITDA (1.34b): -7.92 < 3 |
| Current Ratio: 0.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (68.1m) vs 12m ago 0.66% < -2% |
| Gross Margin: 63.55% > 18% (prev 60.59%; Δ 2.96% > 0.5%) |
| Asset Turnover: 6.05% > 50% (prev 5.94%; Δ 0.11% > 0%) |
| Interest Coverage Ratio: 0.83 > 6 (EBIT TTM 1.23b / Interest Expense TTM 1.48b) |
| A: -0.64 (Total Current Assets 17.1b - Total Current Liabilities 65.0b) / Total Assets 74.7b |
| B: 0.07 (Retained Earnings 4.91b / Total Assets 74.7b) |
| C: 0.02 (EBIT TTM 1.23b / Avg Total Assets 71.8b) |
| D: 0.11 (Book Value of Equity 7.53b / Total Liabilities 67.1b) |
| Altman-Z'' = -3.76 = D |
| DSRI: 3.0 (Receivables 1.67b/240.0m, Revenue 4.35b/4.10b) |
| GMI: 0.95 (GM 60.59% / 63.55%) |
| AQI: 0.91 (AQ_t 0.76 / AQ_t-1 0.84) |
| SGI: 1.06 (Revenue 4.35b / 4.10b) |
| TATA: -0.01 (NI 900.4m - CFO 1.64b) / TA 74.7b) |
| Beneish M = -1.43 (Cap -4..+1) = D |
As of October 06, 2026, the stock is trading at USD 145.20 with a total of 671,547 shares traded. Over the past week, the price has changed by +0.82%, over one month by -4.71%, over three months by -10.50% and over the past year by +11.07%.
Current recommended Stop Loss: 141.50 (which is 2.5% or 1.3 ATR below the current price).
Wintrust Financial has received a consensus analysts rating of 4.46. Therefore, it is recommended to buy WTFC.
- StrongBuy: 8
- Buy: 3
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 177.7 | 22.4% |
P/E Trailing = 11.5718
P/E Forward = 10.9409
P/S = 3.5089
P/B = 1.4453
P/EG = 1.1728
Revenue TTM = 4.35b USD
EBIT TTM = 1.23b USD
EBITDA TTM = 1.34b USD
Long Term Debt = 4.37b USD (from longTermDebt, last quarter)
Short Term Debt = 3.82b USD (from shortTermDebt, last quarter)
Debt = 4.37b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -10.6b USD (calculated: Debt 4.37b - CCE 15.0b)
Enterprise Value = 9.68b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.83 (Ebit TTM 1.23b / Interest Expense TTM 1.48b)
EV/FCF = 6.06x (Enterprise Value 9.68b / FCF TTM 1.60b)
FCF Yield = 16.50% (FCF TTM 1.60b / Enterprise Value 9.68b)
FCF Margin = 36.76% (FCF TTM 1.60b / Revenue TTM 4.35b)
Net Margin = 20.72% (Net Income TTM 900.4m / Revenue TTM 4.35b)
Gross Margin = 63.55% ((Revenue TTM 4.35b - Cost of Revenue TTM 1.58b) / Revenue TTM)
Gross Margin QoQ = 64.89% (prev 64.38%)
Tobins Q-Ratio = 0.13 (Enterprise Value 9.68b / Total Assets 74.7b)
Interest Expense / Debt = 33.88% (Interest Expense 1.48b / Debt 4.37b)
Taxrate = 26.03% (316.8m / 1.22b)
NOPAT = 907.8m (EBIT 1.23b * (1 - 26.03%))
Current Ratio = 0.26 (Total Current Assets 17.1b / Total Current Liabilities 65.0b)
Debt / Equity = 0.58 (Debt 4.37b / totalStockholderEquity, last quarter 7.53b)
Debt / EBITDA = -7.92 (Net Debt -10.6b / EBITDA 1.34b)
Debt / FCF = -6.67 (Net Debt -10.6b / FCF TTM 1.60b)
Total Stockholder Equity = 7.30b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 900.4m / Total Assets 74.7b)
RoE = 12.33% (Net Income TTM 900.4m / Total Stockholder Equity 7.30b)
RoCE = 10.51% (EBIT 1.23b / Capital Employed (Equity 7.30b + L.T.Debt 4.37b))
RoIC = 6.82% (NOPAT 907.8m / Invested Capital 13.3b)
WACC = 14.20% (E(9.68b)/V(14.1b) * Re(9.29%) + D(4.37b)/V(14.1b) * Rd(33.88%) * (1-Tc(0.26)))
Discount Rate = 9.29% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 81.44 | Cagr: 3.95%
[DCF] Terminal Value 61.42% ; FCFF base≈1.30b ; Y1≈1.48b ; Y5≈2.19b
[DCF] Fair Price = 395.8 (EV 16.1b - Net Debt -10.6b = Equity 26.7b / Shares 67.5m; r=14.20% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 91.05 | EPS CAGR: 10.81% | SUE: 0.98 | # QB: 2
Revenue Correlation: 95.59 | Revenue CAGR: 11.95% | SUE: 0.70 | # QB: 0
EPS current Quarter (2026-09-30): EPS=3.29 | Chg30d=+0.03% | Revisions=+0% | Analysts=14
EPS current Year (2026-12-31): EPS=13.10 | Chg30d=-0.01% | Revisions=+0% | GrowthEPS=+12.2% | GrowthRev=+8.9%
EPS next Year (2027-12-31): EPS=13.83 | Chg30d=+0.21% | Revisions=+0% | GrowthEPS=+5.6% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: +0% (up=3, down=3)