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Wintrust Financial Corporation WTFC R3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.wintrust.com
Company Profile ↓
$158.75
+30.06% 1Y
Mkt Cap$10.71B
P/E12.79
P/B1.56
Div. Yield1.38%
52W High$166.33
52W Low$118.51
Book Value$102.03
EPS (TTM)$12.41

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 24.3% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 12.8, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 32.6%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $265.63M (+5.9% YoY); net profit $823.84M.
  • Trailing 12 Months Year-on-year growth — revenue +10.2%, earnings +18.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 8.4%, profit CAGR 24.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:8.43%
1 Year:10.20%

Compounded Profit Growth

5 Years:24.27%
1 Year:18.70%

Stock Price Performance

1 Year:+30.06%
6 Months:+1.22%
3 Months:+5.76%
1 Month:-1.51%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 84% of range
$118.51 $166.33
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)48.14 · Neutral
Price Performance
1M-1.51%
3M+5.76%
6M+1.22%
1Y+30.06%
Valuation vs Sector

P/E of 12.79 is below the sector median of 13.27 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 32.6%.
  • Profit CAGR of 24.3% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.79
Industry PE
13.27
Forward P/E
11.50
PEG Ratio
1.17
Book Value
$102.03
Price to Book
1.56
P/S
3.88
EV/EBITDA
-
Dividend Yield
1.38%

Growth (CAGR)

Revenue 5Y
8.43%
Profit 5Y
24.27%
Revenue (YoY)
10.20%
Earnings (YoY)
18.70%

Profitability & Returns

ROCE
-
ROE
12.21%
ROA
1.25%
Profit Margin
32.64%
Op Margin
46.09%
Gross Margin
0.00%
EPS (Latest Qtr)
$3.30
EPS (TTM)
$12.41

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$4.37B
Total Assets
$74.67B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.42%
Chg in Prom Hold
-
FII / Inst Holding
97.18%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$10.71B
Total Revenue (TTM)
$2.76B
EBITDA
-
Free Cash Flow
$860.40M
Operating Cash Flow
$910.35M
Shares Outstanding
67.47M
Gross Margin
0.00%
Payout Ratio
16.87%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 WTFC Wintrust Financial Corporation R3KFINANCIAL 158.75 12.79 $10.71B 1.38% - 12.21% 8.43% 24.27%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 357.52 15.32 $950.36B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 521.80 15.54 $729.64B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 362.50 30.88 $617.74B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 562.95 30.93 $489.46B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 63.17 14.59 $441.73B 2.03% - 11.20% 3.14% 4.27%
7 MS Morgan Stanley SPXR3KFINANCIAL 216.33 17.47 $340.07B 2.15% - 17.97% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPXR3KFINANCIAL 1,039.61 16.06 $302.70B 1.94% - 16.90% - 2.21%
9 WFC Wells Fargo & Company SPXR3KFINANCIAL 87.25 12.68 $263.84B 2.28% - 12.57% -0.76% 5.90%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue -------33.53M34.28M34.41M-38.18M37.41M38.72M-39.38M40.06M40.83M-43.66M38.46M42.80M-47.77M50.73M53.22M54.55M55.24M55.72M-----------
Net Income 43.83M38.35M35.51M49.11M50.04M53.12M54.61M58.38M64.90M65.63M68.78M81.98M89.58M91.95M79.66M89.15M81.47M99.12M85.96M62.81M21.66M107.31M101.20M153.15M105.11M109.14M127.39M94.51M142.96M180.20M154.75M164.20M187.29M152.39M170.00M189.04M195.53M216.25M227.39M233.69M
Diluted EPS 0.850.690.640.900.900.920.941.001.111.121.171.401.531.571.351.521.381.691.441.040.341.671.632.541.701.772.071.492.212.802.382.532.892.322.472.692.782.783.223.30

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------138.99M152.51M161.47M170.13M207.17M217.72M220.44M250.74M265.63M
Net Income 20.49M73.07M63.33M77.58M111.20M137.21M151.40M156.75M206.88M257.68M343.17M355.70M292.99M466.15M509.68M622.63M695.04M823.84M
Diluted EPS 0.762.181.021.672.312.752.982.933.664.405.866.034.687.588.029.5810.3111.40

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --12.22B13.98B15.89B17.52B18.10B20.00B22.91B25.67B27.92B31.24B36.62B45.08B50.14B52.95B56.26B64.88B71.14B
Total Equity 739.55M1.07B1.14B1.44B1.54B1.80B1.90B2.07B2.35B2.70B2.98B3.27B3.69B4.12B4.50B4.80B5.40B6.34B7.26B
Cash & Equivalents 261.15M445.90M158.62M172.58M169.70M315.03M263.86M230.71M275.80M270.05M277.59M392.20M-------
Total Liabilities --11.08B12.54B14.35B15.71B16.20B17.94B20.56B22.97B24.94B27.98B32.93B40.96B45.64B48.15B50.86B58.54B63.88B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 151.29M-841.03M124.01M244.27M268.65M287.21M206.37M38.97M310.97M401.63M377.18M265.99M-518.47M1.13B1.38B744.38M721.56M910.35M
Investing Cash Flow -1.20B-865.91M-500.84M-836.96M-495.88M-206.22M-1.84B-1.64B-2.49B-2.30B-2.76B-4.02B-7.18B-5.93B-3.49B-3.24B-5.95B-6.17B
Financing Cash Flow 1.24B1.42B390.79M589.82M372.55M-132.15M1.60B1.65B2.18B1.91B2.50B3.65B7.74B4.89B2.20B2.43B5.26B5.27B
Capital Expenditure -28.63M-18.27M-30.51M-79.13M-74.33M-37.69M-38.14M-43.46M-33.92M-59.19M-68.27M-82.02M-63.65M-57.08M-53.45M-46.41M-86.03M-49.95M
Free Cash Flow 122.66M-859.30M93.50M165.13M194.33M249.51M168.23M-4.49M277.04M342.43M308.91M183.97M-582.11M1.07B1.32B697.97M635.52M860.40M
Share Buybacks 94.00K443.00K218.00K112.00K7.73M3.50M549.00K424.00K616.00K397.00K0092.06M9.54M00--
Dividends Paid 9.03M21.78M22.78M10.34M13.16M13.89M24.93M29.89M38.57M40.54M50.99M65.11M85.89M98.63M108.21M125.69M143.28M169.42M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % ---------185.4%225.0%220.3%172.2%225.0%234.1%282.4%277.2%310.1%
ROE % 1.9%6.4%4.4%5.0%6.2%7.2%7.3%6.7%7.7%8.7%10.5%9.6%7.1%10.4%10.6%11.5%11.0%11.3%
ROCE % ------------------

Shareholding Pattern

Insiders
1.42%
Institutions
97.18%
Public Float
98.58%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.33% 6.30M $999.58M
2 FMR, LLC 7.84% 5.29M $839.21M
3 Vanguard Portfolio Management LLC 5.32% 3.59M $569.42M
4 Vanguard Capital Management LLC 4.48% 3.03M $480.34M
5 Dimensional Fund Advisors LP 4.00% 2.70M $428.94M
6 State Street Corporation 3.83% 2.59M $410.58M
7 First Trust Advisors LP 2.71% 1.83M $290.56M
8 Earnest Partners LLC 2.08% 1.40M $222.35M
9 Invesco Ltd. 2.03% 1.37M $217.29M
10 Geode Capital Management, LLC 1.96% 1.32M $209.44M

Analyst View

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Latest News

Recent headlines for WTFC

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WTFC — Frequently Asked Questions

What is the current share price of Wintrust Financial Corporation (WTFC)?

As of 2026-08-07 20:37 PDT, Wintrust Financial Corporation (WTFC) trades at $158.75 on NasdaqGS. Its 52-week range is $118.51 to $166.33.

What is the market capitalisation of WTFC?

Wintrust Financial Corporation (WTFC) has a market capitalisation of $10.71B on NasdaqGS.

What is the P/E ratio of WTFC?

WTFC trades at a trailing price-to-earnings (P/E) ratio of 12.79. The industry average P/E is 13.27. Its price-to-book (P/B) ratio is 1.56.

Does WTFC pay a dividend?

Wintrust Financial Corporation (WTFC) currently offers a dividend yield of 1.38%.

What is the return on equity (ROE) of WTFC?

WTFC has a return on equity (ROE) of 12.21%.

Is WTFC a good stock to buy?

This page provides a data-driven analysis of Wintrust Financial Corporation (WTFC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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