Wintrust Financial Corporation

Valuation Analysis

About the Company

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 c

Wintrust Financial Corporation Stock at a Glance

Wintrust Financial Corporation (WTFC) is currently trading at $159.26 with a market capitalization of $10.7B. The trailing P/E ratio stands at 13.35x, with a forward P/E of 11.49x. The 52-week range spans from $116.57 to $162.96; the current price is 2.3% below the yearly high. Year-over-year revenue growth stands at +10.4%. The net profit margin stands at 32.02%.

💰 Dividend

Wintrust Financial Corporation pays an annual dividend of $2.10 per share, representing a yield of 1.32%. The payout ratio stands at 17.18%.

📊 Analyst Rating

12 analysts rate Wintrust Financial Corporation (WTFC) on consensus: None. The average price target is $174.67, implying +9.67% from the current price. Analyst price targets range from $150.00 to $190.00.

Wintrust Financial Corporation: The Investment Case in Detail

Wintrust Financial Corporation (WTFC) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 10.4% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

The PEG ratio at 1.17 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric.

What to Watch Next

• The forward P/E of 11.49x is meaningfully below the trailing 13.35x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 92% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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