WTFC Stock Analysis: Wintrust Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 10.872m USD | 12M Return: 25.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 83.0M
EPS Trend: 87.3%
Qual. Beats: 1
Rev. Trend: 94.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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.-based financial holding company that delivers community-oriented personal and commercial banking services through three operating segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment is the core, providing deposits, residential and commercial loans, treasury management, and services to niche markets such as condominium associations, mortgage brokers, restaurant franchisees, and middle-market companies. The Specialty Finance segment focuses on differentiated lending, including insurance premium financing (commercial and life), accounts receivable financing for the temporary staffing industry, equipment financing, and property and casualty premium financing. The Wealth Management segment offers trust, investment management, asset management, and securities brokerage services. Founded in 1991 and headquartered in Rosemont, Illinois, Wintrust has been listed on NASDAQ since 1998 and operates within the regional banks sub-industry.
As a regional bank holding company, Wintrust competes primarily by building local deposit franchises and lending relationships in specific metropolitan markets, rather than operating a single national branch network. Its emphasis on specialty finance niches-such as insurance premium lending and franchise financing-supplements traditional spread-based banking revenue with higher-yielding, fee-oriented streams that are less common among peer regional banks.
- Net interest margin expands as deposit costs ease
- Specialty finance revenue grows on insurance premium financing demand
- Acquisition pipeline expands Chicago market footprint and fee income
| Net Income: 862.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.26 > 1.0 |
| NWC/Revenue: -1.01k% < 20% (prev -1.10k%; Δ 95.17% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.72b > Net Income 862.2m |
| Net Debt (-9.83b) to EBITDA (1.29b): -7.65 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (68.1m) vs 12m ago 0.66% < -2% |
| Gross Margin: 62.85% > 18% (prev 59.30%; Δ 3.55% > 0.5%) |
| Asset Turnover: 6.21% > 50% (prev 6.11%; Δ 0.11% > 0%) |
| Interest Coverage Ratio: 0.78 > 6 (EBIT TTM 1.17b / Interest Expense TTM 1.49b) |
| A: -0.60 (Total Current Assets 16.2b - Total Current Liabilities 59.3b) / Total Assets 72.2b |
| B: 0.07 (Retained Earnings 4.72b / Total Assets 72.2b) |
| C: 0.02 (EBIT TTM 1.17b / Avg Total Assets 69.0b) |
| D: 0.11 (Book Value of Equity 7.38b / Total Liabilities 64.8b) |
| Altman-Z'' = -3.47 = D |
| DSRI: 3.0 (Receivables 1.60b/463.0m, Revenue 4.29b/4.02b) |
| GMI: 0.94 (GM 59.30% / 62.85%) |
| AQI: 0.91 (AQ_t 0.77 / AQ_t-1 0.84) |
| SGI: 1.07 (Revenue 4.29b / 4.02b) |
| TATA: -0.01 (NI 862.2m - CFO 1.72b) / TA 72.2b) |
| Beneish M = -1.44 (Cap -4..+1) = D |
As of July 08, 2026, the stock is trading at USD 161.45 with a total of 693,425 shares traded. Over the past week, the price has changed by +0.67%, over one month by +6.50%, over three months by +15.38% and over the past year by +25.50%.
Current recommended Stop Loss: 157.30 (which is 2.6% 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 | 175.6 | 8.8% |
P/E Trailing = 13.5113
P/E Forward = 13.1752
P/S = 4.0377
P/B = 1.5794
P/EG = 1.1728
Revenue TTM = 4.29b USD
EBIT TTM = 1.17b USD
EBITDA TTM = 1.29b USD
Long Term Debt = 4.00b USD (from longTermDebt, last quarter)
Short Term Debt = 340.6m USD (from shortTermDebt, last quarter)
Debt = 4.34b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -9.83b USD (calculated: Debt 4.34b - CCE 14.2b)
Enterprise Value = 1.04b USD (10.9b + Debt 4.34b - CCE 14.2b)
Interest Coverage Ratio = 0.78 (Ebit TTM 1.17b / Interest Expense TTM 1.49b)
EV/FCF = 0.62x (Enterprise Value 1.04b / FCF TTM 1.68b)
FCF Yield = 161.3% (FCF TTM 1.68b / Enterprise Value 1.04b)
FCF Margin = 39.21% (FCF TTM 1.68b / Revenue TTM 4.29b)
Net Margin = 20.11% (Net Income TTM 862.2m / Revenue TTM 4.29b)
Gross Margin = 62.85% ((Revenue TTM 4.29b - Cost of Revenue TTM 1.59b) / Revenue TTM)
Gross Margin QoQ = 64.38% (prev 63.19%)
Tobins Q-Ratio = 0.01 (Enterprise Value 1.04b / Total Assets 72.2b)
Interest Expense / Debt = 34.34% (Interest Expense 1.49b / Debt 4.34b)
Taxrate = 26.07% (304.1m / 1.17b)
NOPAT = 862.2m (EBIT 1.17b * (1 - 26.07%))
Current Ratio = 0.27 (Total Current Assets 16.2b / Total Current Liabilities 59.3b)
Debt / Equity = 0.59 (Debt 4.34b / totalStockholderEquity, last quarter 7.38b)
Debt / EBITDA = -7.65 (Net Debt -9.83b / EBITDA 1.29b)
Debt / FCF = -5.85 (Net Debt -9.83b / FCF TTM 1.68b)
Total Stockholder Equity = 7.23b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 862.2m / Total Assets 72.2b)
RoE = 11.93% (Net Income TTM 862.2m / Total Stockholder Equity 7.23b)
RoCE = 10.38% (EBIT 1.17b / Capital Employed (Equity 7.23b + L.T.Debt 4.00b))
RoIC = 6.62% (NOPAT 862.2m / Invested Capital 13.0b)
WACC = 14.12% (E(10.9b)/V(15.2b) * Re(9.61%) + D(4.34b)/V(15.2b) * Rd(34.34%) * (1-Tc(0.26)))
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 74.00 | Cagr: 3.96%
[DCF] Terminal Value 61.62% ; FCFF base≈1.29b ; Y1≈1.48b ; Y5≈2.18b
[DCF] Fair Price = 384.5 (EV 16.1b - Net Debt -9.83b = Equity 25.9b / Shares 67.4m; r=14.12% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 87.26 | EPS CAGR: 8.64% | SUE: 1.49 | # QB: 1
Revenue Correlation: 94.70 | Revenue CAGR: 15.13% | SUE: 0.67 | # QB: 0
EPS current Quarter (2026-06-30): EPS=3.16 | Chg30d=+0.26% | Revisions=+67% | Analysts=11
EPS next Quarter (2026-09-30): EPS=3.32 | Chg30d=+0.14% | Revisions=+67% | Analysts=11
EPS current Year (2026-12-31): EPS=13.07 | Chg30d=+0.08% | Revisions=+79% | GrowthEPS=+11.9% | GrowthRev=+9.1%
EPS next Year (2027-12-31): EPS=13.87 | Chg30d=+0.02% | Revisions=+64% | GrowthEPS=+6.1% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: +82% (up=43, down=3)