Stock Analysis
Wintrust Financial CorpWTFC
P/E 10.80×· 5Y range 6.67–13.99×· 37th percentile of history
Sector: Financial Services · Industry: State Commercial Banks
AnalystsStrong Buy20 analystsP/E 10.8× sits at the 37th percentile of its 5.048596851471594-year history.
Cash covers 13% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Growth70
- Profitability67
Risks
- Financial Health26
Mixed picture — no clear quality or value edge.
Bull Case
- ✓Revenue CAGR 112.6% — durable top-line growth
What's happening with WTFC
Profile
Strong valuation; financial health and moat lag behind.
How is each axis scored?
- Valuation85/100 · Strong
- P/E vs own history (37th pct)20/25
- FCF yield (16.1%)25/25
- P/S (2.2x)20/25
- EV/EBIT (12.2x)20/25
- Growth70/100 · Moderate
- Revenue CAGR (112.6%)25/25
- Net income CAGR (15.3%)20/25
- EPS CAGR 5Y (10.7%)20/25
- Fwd implied growth (2.6%)5/25
- Profitability67/100 · Moderate
- ROIC (7.7%)5/25
- ROE (12.0%)12/25
- Net margin (20.7%)25/25
- Operating margin (25.7%)25/25
- Financial Health26/100 · Weak
- Altman Z (0.12)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.9x)3/25
- Net cash / debt (D/A 5%)20/25
- Quality60/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.43)20/25
- FCF conversion (175%)25/25
- Margin stability (σ 180.1%)0/25
- Moat43/100 · Weak
- ROIC >12% years (0/5 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (9/10 yrs)18/25
- Worst-year net margin (worst 17.5%)25/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠Interest coverage 0.9× — thin debt cushion
About Wintrust Financial Corp
Wintrust Financial Corp is a financial holding company that provides community-oriented, personal, and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and western Michigan. Show more
The company provides specialty finance services, including financing for the payment of property and casualty insurance premiums and life insurance premiums, and wealth management services to customers in its market area. Its operations consist of three primary segments: community banking, specialty finance, and wealth management. The company generates the majority of its revenue from the community banking segment.
Headquarters: ROSEMONT, IL · Employees: 5,902 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
85AP/E (TTM)10.9xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 6.7x–14.0x · 37th pct
P/FCF6.0xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield16.1%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 4.5%–33.1% · 64th pct
P/S (TTM)2.25xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.1x–30.8x · 35th pct
EV/EBIT12.2xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 9.0x–28.4x · 51st pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.6xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.30xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.21B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.91%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio19.9%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
67BROIC7.7%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE12.0%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.3%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin20.7%A
Grade A: HighNet Income / Revenue
Operating Margin25.7%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin36.2%A
Grade A: HighFCF / Revenue
True FCF Margin35.2%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
70B+Revenue CAGR112.6%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR15.3%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)10.7%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth2.6%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+17.0%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income4.9%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.0%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.12D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.9xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment2.5yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT3.5xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity0.60xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.13xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
60BPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.43A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion174.7%A
Grade A: StrongFCF / Net Income
Margin Stability180.1%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue1.6%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
WEHMER EDWARD J Filed | WEHMER EDWARD J | Grant / award | +218 | |
DYKSTRA DAVID A Filed | DYKSTRA DAVID A | Grant / award | +153 | |
ZIDAR THOMAS P Filed | ZIDAR THOMAS P | Gift | -1000 | |
DYKSTRA DAVID A Filed | DYKSTRA DAVID A | SellOpen market sale | -13515 | |
Kohl Laura A. Filed | Kohl Laura A. | Grant / award | +399 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
MCKINNEY SUZET M Filed | MCKINNEY SUZET M | Grant / award | +408 | |
WASHINGTON ALEX E III Filed | WASHINGTON ALEX E III | Grant / award | +534 | |
TEGLIA KARIN GUSTAFSON Filed | TEGLIA KARIN GUSTAFSON | Grant / award | +485 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
43D+ROIC >12% Years0/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years9/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor17.5%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$13.35
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$6.83
Cash & short-term investments per share (Finnhub)
Book Value / Share$111.56
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$4.51B
Total debt obligations (short + long term)
Cash & Equiv.$595.86M
Cash and short-term investments
Net Debt$3.92B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$7.53B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$9.77B
Current Market Capitalization
Beta0.89B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Wintrust Financial Corp (WTFC)
Piotroski F-Score of 5/9 indicates mixed fundamentals for Wintrust Financial Corp. Altman Z-Score of 0.12 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.43 suggests a low likelihood of earnings manipulation. Revenue has compounded at roughly 113% annually, with net income growing about 15% per year — a strong growth profile.
- Wintrust Financial Corp converts about 36% of revenue into free cash flow — strong cash generation.
- Takes ~2.5 years to repay net debt from free cash flow.
- Interest coverage of 0.9× leaves little room for earnings shocks.
- At a valuation score of 85/100, WTFC trades near the cheapest end of its own historical range (P/E 10.9).
See how WTFC ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all WTFC moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 143.64 | +1.86% | 2.17 |
| Oct 15 | After-hours | 143.54 | +1.79% | 2.10 |
| Oct 7 | Regular | 141.71 | -2.23% | -2.24 |
Frequently Asked Questions about WTFC
What is the current Wintrust Financial Corp (WTFC) stock price?
WTFC is trading at $144.08 at the last market close, up 0.38% on the session. PreMarketPrice tracks WTFC pre-market, intraday and after-hours prices.
Is WTFC stock a buy right now?
PreMarketPrice's quantitative model rates Wintrust Financial Corp's financial health at 26/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is WTFC stock overvalued?
Wintrust Financial Corp trades at a trailing P/E of 10.9 and our valuation score rates it 85/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Wintrust Financial Corp report earnings?
No confirmed earnings date is currently scheduled for WTFC. The Earnings section lists recent reports and updates as dates are announced.
What sector does Wintrust Financial Corp operate in?
Wintrust Financial Corp operates in the Financial Services sector, within the State Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Wintrust Financial Corp do?
Wintrust Financial Corp is a financial holding company that provides community-oriented, personal, and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and western Michigan.
About Wintrust Financial Corp (WTFC) Stock
Wintrust Financial Corp (WTFC) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry. As of the latest update, Wintrust Financial Corp is trading at $144.08, up 0.38% on the day with a market capitalization of $9.8 billion. The financial health score for WTFC is 26/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for WTFC stock.
WTFC Stock Analysis & Key Metrics
On PreMarketPrice, you can track Wintrust Financial Corp (WTFC) across multiple dimensions:
- Pre-market price & movement: Real-time WTFC stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for WTFC with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Wintrust Financial Corp across multiple reporting periods.
- Financial health score: A composite score of 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for WTFC.
- Sector peers: Compare WTFC against 6 other financial services stocks on key financial metrics.
Is WTFC a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Wintrust Financial Corp (WTFC) as an investment. The financial health score of 26/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Wintrust Financial Corp (WTFC) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.