WTFC Stock Analysis: Wintrust Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 10.719m USD | 12M Return: 22.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 108M
EPS Trend: 91.0%
Qual. Beats: 2
Rev. Trend: 95.6%
Qual. Beats: 0
Warnings
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: 900.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.23 > 1.0 |
| NWC/Revenue: -1.10k% < 20% (prev -1.11k%; Δ 12.73% < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.72b > Net Income 900.4m |
| Net Debt (-6.72b) to EBITDA (1.32b): -5.10 < 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 1.72b) / TA 74.7b) |
| Beneish M = -1.43 (Cap -4..+1) = D |
As of July 28, 2026, the stock is trading at USD 158.88 with a total of 532,729 shares traded. Over the past week, the price has changed by -2.92%, over one month by -0.93%, over three months by +6.86% and over the past year by +22.19%.
Current recommended Stop Loss: 150.90 (which is 5% or 2.3 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 | 179.1 | 12.8% |
P/E Trailing = 13.7364
P/E Forward = 13.1579
P/S = 3.8845
P/B = 1.5891
P/EG = 1.1728
Revenue TTM = 4.35b USD
EBIT TTM = 1.23b USD
EBITDA TTM = 1.32b USD
Long Term Debt = 4.48b USD (from longTermDebt, last fiscal year)
Short Term Debt = 3.82b USD (from shortTermDebt, last quarter)
Debt = 8.30b USD (corrected: LT Debt 4.48b + ST Debt 3.82b)
Net Debt = -6.72b USD (calculated: Debt 8.30b - CCE 15.0b)
Enterprise Value = 4.00b USD (10.7b + Debt 8.30b - CCE 15.0b)
Interest Coverage Ratio = 0.83 (Ebit TTM 1.23b / Interest Expense TTM 1.48b)
EV/FCF = 2.38x (Enterprise Value 4.00b / FCF TTM 1.68b)
FCF Yield = 42.03% (FCF TTM 1.68b / Enterprise Value 4.00b)
FCF Margin = 38.69% (FCF TTM 1.68b / 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 = 0.05 (Enterprise Value 4.00b / Total Assets 74.7b)
Interest Expense / Debt = 17.85% (Interest Expense 1.48b / Debt 8.30b)
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 = 1.10 (Debt 8.30b / totalStockholderEquity, last quarter 7.53b)
Debt / EBITDA = -5.10 (Net Debt -6.72b / EBITDA 1.32b)
Debt / FCF = -4.00 (Net Debt -6.72b / FCF TTM 1.68b)
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 = 10.42% (EBIT 1.23b / Capital Employed (Equity 7.30b + L.T.Debt 4.48b))
RoIC = 6.82% (NOPAT 907.8m / Invested Capital 13.3b)
WACC = 11.25% (E(10.7b)/V(19.0b) * Re(9.73%) + D(8.30b)/V(19.0b) * Rd(17.85%) * (1-Tc(0.26)))
Discount Rate = 9.73% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 81.44 | Cagr: 3.95%
[DCF] Terminal Value 69.20% ; FCFF base≈1.29b ; Y1≈1.48b ; Y5≈2.18b
[DCF] Fair Price = 420.3 (EV 21.6b - Net Debt -6.72b = Equity 28.4b / Shares 67.4m; r=11.25% [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=3.30 | Chg30d=-0.39% | Revisions=+57% | Analysts=12
EPS current Year (2026-12-31): EPS=13.04 | Chg30d=-0.14% | Revisions=+29% | GrowthEPS=+11.6% | GrowthRev=+8.9%
EPS next Year (2027-12-31): EPS=13.83 | Chg30d=-0.23% | Revisions=+29% | GrowthEPS=+6.1% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: +53% (up=10, down=2)