Wintrust Financial Stock Analysis

WTFC Stock  USD 131.26  3.35  2.62%   
Wintrust Financial is undervalued with Real Value of 142.89 and Target Price of 157.07. The main objective of Wintrust Financial stock analysis is to determine its intrinsic value, which is an estimate of what Wintrust Financial is worth, separate from its market price. There are two main types of Wintrust Financial's stock analysis: fundamental analysis and technical analysis.
The Wintrust Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Wintrust Financial's ongoing operational relationships across important fundamental and technical indicators.
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Wintrust Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.
For information on how to trade Wintrust Stock refer to our How to Trade Wintrust Stock guide.

Wintrust Stock Analysis Notes

About 100.0% of the company outstanding shares are owned by institutional investors. The company has Price to Book (P/B) ratio of 1.29. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. Wintrust Financial recorded earning per share (EPS) of 10.89. The entity last dividend was issued on the 6th of November 2025. The firm had 3:2 split on the 15th of March 2002. Wintrust Financial Corporation operates as a financial holding company. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois. Wintrust Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 52 people. For more information please call Edward Wehmer at (847) 939-9000 or visit https://www.wintrust.com.

Wintrust Financial Quarterly Total Revenue

1.09 Billion

Wintrust Financial Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Wintrust Financial's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Wintrust Financial or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Wintrust Financial generated a negative expected return over the last 90 days
Wintrust Financial has a poor financial position based on the latest SEC disclosures
Over 100.0% of the company outstanding shares are owned by institutional investors
On 20th of November 2025 Wintrust Financial paid $ 0.5 per share dividend to its current shareholders
Latest headline from simplywall.st: Wintrust Financial Evaluating Valuation After Strategic Refinancing and Continued Organic Growth

Wintrust Financial Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Wintrust Financial previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
17th of April 2024
Upcoming Quarterly Report
View
17th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
15th of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

Wintrust Largest EPS Surprises

Earnings surprises can significantly impact Wintrust Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
1998-04-21
1998-03-310.090.08-0.0111 
2001-10-16
2001-09-300.30.330.0310 
2001-04-20
2001-03-310.280.310.0310 
View All Earnings Estimates

Wintrust Financial Environmental, Social, and Governance (ESG) Scores

Wintrust Financial's ESG score is a quantitative measure that evaluates Wintrust Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Wintrust Financial's operations that may have significant financial implications and affect Wintrust Financial's stock price as well as guide investors towards more socially responsible investments.

Wintrust Stock Institutional Investors

Shares
Bank Of America Corp2025-06-30
1.1 M
Millennium Management Llc2025-06-30
M
Victory Capital Management Inc.2025-06-30
963 K
Jpmorgan Chase & Co2025-06-30
946.2 K
Jennison Associates Llc2025-06-30
936.8 K
Clearbridge Advisors, Llc2025-06-30
872.4 K
Northern Trust Corp2025-06-30
819.9 K
Alliancebernstein L.p.2025-06-30
790.8 K
Charles Schwab Investment Management Inc2025-06-30
777.1 K
Vanguard Group Inc2025-06-30
6.9 M
Blackrock Inc2025-06-30
6.2 M
Note, although Wintrust Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Wintrust Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 8.57 B.

Wintrust Profitablity

The company has Profit Margin (PM) of 0.31 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.46 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.46.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.08  0.05 
Return On Assets 0.01  0.01 
Return On Equity 0.11  0.07 

Management Efficiency

Wintrust Financial has return on total asset (ROA) of 0.0118 % which means that it generated a profit of $0.0118 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1169 %, meaning that it created $0.1169 on every $100 dollars invested by stockholders. Wintrust Financial's management efficiency ratios could be used to measure how well Wintrust Financial manages its routine affairs as well as how well it operates its assets and liabilities. As of November 21, 2025, Return On Tangible Assets is expected to decline to 0.01. In addition to that, Return On Capital Employed is expected to decline to 0.05. At present, Wintrust Financial's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 2.1 B, whereas Net Tangible Assets are forecasted to decline to about 2.4 B.
Last ReportedProjected for Next Year
Book Value Per Share 99.62  104.60 
Tangible Book Value Per Share 85.20  89.46 
Enterprise Value Over EBITDA 6.99  6.50 
Price Book Value Ratio 1.25  1.51 
Enterprise Value Multiple 6.99  6.50 
Price Fair Value 1.25  1.51 
Enterprise ValueB1.6 B
The strategic decisions made by Wintrust Financial management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield
0.0153
Operating Margin
0.4624
Profit Margin
0.3067
Forward Dividend Yield
0.0157
Beta
0.902

Technical Drivers

As of the 21st of November, Wintrust Financial maintains the Market Risk Adjusted Performance of 0.0101, downside deviation of 1.73, and Mean Deviation of 1.26. Relative to fundamental indicators, the technical analysis model lets you check existing technical drivers of Wintrust Financial, as well as the relationship between them.

Wintrust Financial Price Movement Analysis

The output start index for this execution was twenty-nine with a total number of output elements of thirty-two. The Moving Average is predictive technique used to analyze Wintrust Financial price data points by creating a series of averages of different subsets of Wintrust Financial entire price series.

Wintrust Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Wintrust Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Wintrust Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Wintrust Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Richard Murphy over three weeks ago
Disposition of 475 shares by Richard Murphy of Wintrust Financial subject to Rule 16b-3
 
Timothy Crane over a month ago
Disposition of 790 shares by Timothy Crane of Wintrust Financial at 131.46 subject to Rule 16b-3
 
Richter David S over a month ago
Insider Trading
 
David Dykstra over three months ago
Disposition of 15492 shares by David Dykstra of Wintrust Financial at 115.48 subject to Rule 16b-3
 
David Dykstra over six months ago
Acquisition by David Dykstra of 175 shares of Wintrust Financial at 118.71 subject to Rule 16b-3
 
Edward Wehmer over six months ago
Disposition of 9546 shares by Edward Wehmer of Wintrust Financial at 123.48 subject to Rule 16b-3
 
Edward Wehmer over six months ago
Acquisition by Edward Wehmer of 417 shares of Wintrust Financial at 25.16 subject to Rule 16b-3
 
David Dykstra over six months ago
Acquisition by David Dykstra of 12780 shares of Wintrust Financial at 133.62 subject to Rule 16b-3
 
David Stoehr over six months ago
Disposition of 2363 shares by David Stoehr of Wintrust Financial at 131.32 subject to Rule 16b-3
 
Jeffrey Hahnfeld over six months ago
Acquisition by Jeffrey Hahnfeld of 1310 shares of Wintrust Financial at 133.62 subject to Rule 16b-3
 
Connelly Elizabeth H. over six months ago
Acquisition by Connelly Elizabeth H. of 514 shares of Wintrust Financial at 108.53 subject to Rule 16b-3
 
Jeffrey Hahnfeld over six months ago
Disposition of 158 shares by Jeffrey Hahnfeld of Wintrust Financial at 138.28 subject to Rule 16b-3

Wintrust Financial Outstanding Bonds

Wintrust Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Wintrust Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Wintrust bonds can be classified according to their maturity, which is the date when Wintrust Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Wintrust Financial Predictive Daily Indicators

Wintrust Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Wintrust Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Wintrust Financial Corporate Filings

10Q
6th of November 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
F4
30th of October 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
20th of October 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F3
10th of October 2025
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
8K
2nd of October 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
30th of September 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
22nd of August 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
6th of August 2025
Other Reports
ViewVerify

Wintrust Financial Forecast Models

Wintrust Financial's time-series forecasting models are one of many Wintrust Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Wintrust Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Wintrust Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Wintrust Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Wintrust shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Wintrust Financial. By using and applying Wintrust Stock analysis, traders can create a robust methodology for identifying Wintrust entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.24  0.15 
Operating Profit Margin 0.24  0.15 
Net Profit Margin 0.18  0.10 
Gross Profit Margin 0.59  0.52 

Current Wintrust Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Wintrust analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Wintrust analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
157.07Strong Buy13Odds
Wintrust Financial current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Wintrust analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Wintrust stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Wintrust Financial, talking to its executives and customers, or listening to Wintrust conference calls.
Wintrust Analyst Advice Details

Wintrust Stock Analysis Indicators

Wintrust Financial stock analysis indicators help investors evaluate how Wintrust Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Wintrust Financial shares will generate the highest return on investment. By understating and applying Wintrust Financial stock analysis, traders can identify Wintrust Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow423.5 M
Long Term Debt4.2 B
Common Stock Shares Outstanding64.7 M
Total Stockholder Equity6.3 B
Total Cashflows From Investing Activities-5.9 B
Tax Provision252 M
Quarterly Earnings Growth Y O Y0.126
Property Plant And Equipment Net1.1 B
Cash And Short Term Investments8.8 B
Cash4.9 B
Net Debt-623.8 M
50 Day M A130.1204
Total Current Liabilities52.5 B
Other Operating ExpensesB
Non Current Assets Total56.1 B
Forward Price Earnings10.6496
Non Currrent Assets OtherB
Stock Based Compensation38.1 M

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When running Wintrust Financial's price analysis, check to measure Wintrust Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Wintrust Financial is operating at the current time. Most of Wintrust Financial's value examination focuses on studying past and present price action to predict the probability of Wintrust Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Wintrust Financial's price. Additionally, you may evaluate how the addition of Wintrust Financial to your portfolios can decrease your overall portfolio volatility.
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