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WTFCWTFC

$130.5

-0.47
arrow_drop_down0.36%
Current Market·update12 Nov 2025 21:00
Day's Range
130.33-133.515
52-week Range
89.1-142.04

Chart

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Performance

Key Stats

Next Earnings Date2025-10-20
Next Earnings TimeAfter Market Close
Volume393.31K
Average Volume 30d440.28K

AI WTFC Summary

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16.3
Valuation (P/E Ratio)
P/E Ratio (TTM) of 16.3 indicates reasonable valuation relative to earnings.
📈
0.152
EPS Growth (YoY)
EPS for 2024 showed growth compared to 2023. YoY EPS growth is positive, suggesting earnings are improving.
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AI Scoreboard

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Overall Analysis

Buy
78

Wintrust Financial Corporation (WTFC) presents a solid fundamental profile with consistent profitability and a strong balance sheet, supported by a dividend. While current technical indicators suggest a cautious short-term outlook, the company's long-term growth trajectory and financial stability warrant consideration.

Neutral

Thematic

65

As a diversified financial services provider, Wintrust operates within a stable but mature industry. Key themes like digital banking adoption and regulatory changes influence its environment, but it lacks the disruptive innovation often associated with high thematic scores.

Strong

Fundamental

85

Wintrust Financial Corporation demonstrates strong profitability, with robust net margins and consistent revenue growth over recent years. Its balance sheet is solid, characterized by increasing assets and manageable liabilities, supported by a healthy cash position and consistent dividend payouts.

Neutral

Technical

68

The stock is currently trading below its key short-term moving averages and exhibits mixed signals from oscillators. While the long-term trend appears to be upward, near-term headwinds suggest potential for continued sideways movement or a slight pullback.

FactorScore
Digital Transformation60
Economic Sensitivity70
Regulatory Landscape65
Community Banking Focus60
FactorScore
Valuation70
Profitability95
Growth80
Balance Sheet Health85
Cash Flow80
Dividends75
FactorScore
Trend Analysis40
Momentum65
Support & Resistance60
Volume Confirmation75
Oscillator Signals70

AI Investing Checklist

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Bullish Points (7)

Valuation chevron_right

Attractive P/E Ratio

The trailing Price-to-Earnings (P/E) ratio of 16.3 is lower than the industry average, suggesting the stock may be undervalued relative to its earnings.

Earnings Performance chevron_right

Consistent Earnings Growth

The company has a history of beating earnings estimates, with positive surprises in most recent quarters, indicating strong operational performance.

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Bearish Points (7)

Valuation chevron_right

Increasing P/S Ratio

The Price-to-Sales (P/S) ratio has increased from 3.3 in 2021 to 4.7 trailing twelve months (TTM), potentially indicating rising valuation expectations that may be hard to sustain.

Earnings Performance chevron_right

Missed Earnings Estimates

The company missed earnings estimates in Q4 2024 (-1.44% surprise) and Q3 2024 (-4.03% surprise), suggesting potential challenges in meeting future earnings expectations.

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Calendar

May 2025

8

Ex-Dividend Date

May 2025

22

Next Dividend Date

October 2025

21

Next Earnings Date

EPS Est.
Revenue Est.

H: $2.89

A: $2.70

L: $2.52

H: 697.90M

A: 687.86M

L: 679.10M

Profile

Employees (FY)5.9K
ISIN-
FIGI-

Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest-bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

Seasonals

2025
2024
2023
2022
2021

Price Target

154.31 USD

The 39 analysts offering 1 year price forecasts for WTFC have a max estimate of 170.00 and a min estimate of 138.00.

Debt Level and Coverage

Debt
Free cash flow
Cash & equivalents

Financial Position Analysis

Assets
Liabilities

Ownership

Free Float shares
66M (98.53%)
Closely held shares
987K (1.47%)
66.9M
Free Float shares
66M (98.53%)
Closely held shares
987K (1.47%)

Capital Structure

Market cap
8.89B
Debt
4.24B
Minority interest
0.00
Cash & equivalents
4.86B
Enterprise value
8.27B

Valuation - Summary

Market Cap
8.89B
Net income
544M(6.12%)
Revenue
1.9B(21.35%)
8.89B
Market Cap
8.89B
Net income
544M(6.12%)
Revenue
1.9B(21.35%)
Price to earning ratio (P/E)16.30x
Price to sales ratio (P/S)4.70x

Valuation - Ratios

P/E
P/S

Revenue to Profit Conversion

Revenue
2.45B
COGS
2.45B
Gross Profit
0.00
OpEx
0.00
Operating Income
0.00
Other & Taxes
-695.04M
Net Income
695.04M

Balance Sheet

Total assets
Total liabilities
Liabilities to assets %

Income Statement

Revenue
Net Income
Net Margin

Cash Flow

Operating Cash Flow
Investing Cash Flow
Financing Cash Flow
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