Wintrust Financial WTFC
United StatesFinancial Services · Banks - RegionalUSD
176.20 USD (+23.7%)
15 analysts
Trading 2120.30 €Open account ↗
Lightyear0.90 €Open account ↗
N260.90 €Open account ↗
XTB1.00 €★ featured · affiliateOpen account ↗Trading 2120.30 €Open account ↗Lightyear0.90 €Open account ↗XTB1.00 €★ featured · affiliateOpen account ↗200.00 € order · cheapest cheapest available in your country iCompare all 22 brokers →What does it do?
Wintrust Financial Corporation is a regional bank headquartered in Illinois offering commercial, consumer, and wealth management banking, focused on the Chicago metropolitan area.
Key points
from its scores- ✓High-quality business9.4
- ✓Strong growth7.0
- ✕Fragile balance sheet4.8
- ✕Little or no dividend4.8
- !Weak share-price trend5.6
AI analysis
bottom line, main risk, context and newsThe combination of quality, growth, and reasonable valuation is attractive, but the rate environment and lack of immediate catalysts suggest caution.
Wintrust presents solid financial health (ROE 12.21%, ROA 1.25%) and exceptional quality (operating margin 46.09%), with double-digit growth in revenue and earnings. Its valuation is reasonable (P/E 11.44) and the low payout (16.87% leaves room for dividends. The main challenge is the rising rate environment, which could compress net interest margins.
The main risk is net interest margin compression in a rising rate environment, if deposit costs rise faster than asset yields, especially for a regional bank with strong competition in its market.
Context and risks
Wintrust is a US regional bank. The rise in long-term Treasury yields (5.28%) and the steepening curve can compress net interest margins if deposit costs rise faster than asset yields. The strong dollar has no direct relevant impact on its business, focused on commercial and consumer banking in the Chicago area.
Is Wintrust Financial stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 22% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 11.4 | 13.7 | −17% |
| Price / book | 1.4 | 1.9 | −27% |
| Price / sales | 3.5 | 3.5 | +1% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 6.1 out of 10 (median for Financial Services: 5.2).
Average analyst target: 176.20 USD, +23.7% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 4.8 (sector 5.5), Growth 7.0 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 11.4
- Forward P/E
- 10.3
- Price / book
- 1.4
- Price / sales
- 3.5
- PEG
- 1.17
- Market cap
- 9.6B USD
- Enterprise value
- 10.3B USD
Profitability
- ROE
- 12.2%
- ROA
- 1.3%
- ROIC (approx.)
- 10.9%
- Gross margin
- 0.0%
- Operating margin
- 46.1%
- Net margin
- 32.6%
Solvency
- Total debt
- 4.5B USD
- Net debt
- 214.4M USD
- Cash
- 4.3B USD
Growth
- Revenue growth
- +10.2%
- Earnings growth
- +18.7%
- EPS (TTM)
- 12.45 USD
- EPS (forward)
- 13.84 USD
Dividend
- Dividend yield
- 1.5%
- Payout
- 16.9%
Risk and market
- Beta
- 0.89
- Analyst consensus
- Buy (15)
- Target price
- 176.20 USD
- 52-week range
- 119.61 – 167.22
Recent news
All WTFC news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Wintrust Financial
Is Wintrust Financial stock cheap or expensive?
On P/E and Price / book, it trades 22% below the Financial Services median on average. Valuation score: 6.1 out of 10 (median for Financial Services: 5.2). Average analyst target: 176.20 USD, +23.7% versus the price. This is not investment advice.
What score does Wintrust Financial get on MeridIAn Screener?
It scores 6.4 out of 10, rank 681 of 2,130 (better than 68% of the companies analysed). Its strongest category is Quality / Moat (9.4) and its weakest, Financial health (4.8). Analysis of 08/10/2026.
What is Wintrust Financial's P/E ratio?
Its P/E is 11.4: the share price equals 11.4 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 10.3.
How much is Wintrust Financial worth on the stock market?
Its market capitalisation is 9.6B USD.
Does Wintrust Financial pay a dividend?
Yes: its dividend yield is 1.54% and it pays out 17% of its earnings.
How has Wintrust Financial stock performed over the last year?
It has risen 15.2% over the last year, excluding dividends. Over the last 52 weeks it has traded between 119.61 and 167.22 USD. Past performance does not guarantee future results.
What do analysts think of Wintrust Financial?
15 analysts cover it; their average recommendation is “Buy” and their average target is 176.20 USD (+23.7% versus the price). It is an estimate, not market data.