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Wintrust Financial Corp (WTFCN) stock analysis

WTFCNNasdaqState Commercial BanksFiscal year ends December 31Also trades as WTFC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026Score 13/306% above fair value
$25.57+0.03 (+0.12%)

Close on Oct 30, 2026Market cap $10.28BP/E 12.2Yield 1.31%

StockData Score

Prices as of Oct 30, 2026How the score works

Value2Growth1Performance4Health3Dividend3

Mixed13 of 30 checks passed

Wintrust Financial passes 13 of the 30 checks behind our score; 7 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
1/6
Past performance
4/6
Financial health
3/6
Dividend
3/6

What stands out

  • Earnings grew over 5 years

    Net income grew 23.0% a year on average over the last five fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 12.4% a year over the last three fiscal years.

  • P/E below the industry

    Wintrust Financial's P/E of 12.2 is below the Commercial Banks median of 12.3.

  • Covered by earnings

    Dividends take 19.9% of net income.

What to watch

  • Margin of safety under 20%

    The price is 6.5% above fair value, so there is no margin of safety.

  • Trading above fair value

    The share price of $152.38 is above our fair value estimate of $143.09.

  • Return on equity under 15%

    Return on equity was 12.2% over the last twelve months and averaged 11.6% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew 6.9% a year over the last three fiscal years, short of the 10% we look for.

Valuation2/6

  • P/E above its 5-year median

    Wintrust Financial's P/E of 12.2 is above its own 5-year median of 11.8.

  • P/E below the industry

    Wintrust Financial's P/E of 12.2 is below the Commercial Banks median of 12.3.

  • P/S below the industry

    Wintrust Financial's price-to-sales of 3.59 is below the Commercial Banks median of 3.64.

  • P/B above the industry

    Wintrust Financial's price-to-book of 1.37 is above the Commercial Banks median of 1.27.

  • Trading above fair value

    The share price of $152.38 is above our fair value estimate of $143.09.

  • Margin of safety under 20%

    The price is 6.5% above fair value, so there is no margin of safety.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew 6.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 12.4% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew 21.7% over the last twelve months, against a 5-year average of 23.0% a year.

  • Growth against the industry

    Needs revenue for this year and last.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance4/6

  • Return on equity under 15%

    Return on equity was 12.2% over the last twelve months and averaged 11.6% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.3%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Wintrust Financial's return on equity of 12.2% is above the Commercial Banks median of 11.2%.

  • Earnings grew over 5 years

    Net income grew 23.0% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 31.4% over the last twelve months, against a 5-year average of 266%.

  • Net margin above the industry

    Wintrust Financial's net margin of 31.4% is above the Commercial Banks median of 30.0%.

Financial health3/6

  • Well capitalized

    Equity is 10.1% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Non-interest expense takes 53.9% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 9.5% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend3/6

  • Pays a dividend

    Wintrust Financial paid dividends worth 1.4% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.4% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 4.0% or more; Wintrust Financial yields 1.4%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Covered by earnings

    Dividends take 19.9% of net income.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$143.09

The share price is 6% above this estimate.

20%+ below
Near fair value
20%+ above
$152.38Price
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E12.0×11.8×12.3×$149.8950%
P/B1.2×1.2×1.3×$136.3050%
Fair value$143.09100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 11.8
  • Commercial Banks median 12.3

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$79.79M
Value traded per 1% price move
$83.14M

Downside

Low risk

Typical loss in a bad month
14.2%
Volatility (annualized)
23%
Sharpe ratio, 1 year
0.65
Beta to the S&P 500 (5Y)
0.93

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

310.1%+137.9 pts over 5 years