A Business at a Glance
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WINTRUST FINANCIAL CORP
WTFC
$10.8B
Mkt Cap
$158.66
+0.56%
WINTRUST FINANCIAL CORP (WTFC) has a current P/E ratio of 13.9, compared to its historical median P/E of 11.6. The stock is currently considered Fair based on its historical valuation range.
WINTRUST FINANCIAL CORP (WTFC) has a 5-year average return on invested capital (ROIC) of 10.8%. This indicates solid capital allocation.
WINTRUST FINANCIAL CORP (WTFC) has a market capitalization of $10.7B. It is classified as a large-cap stock.
Yes, WINTRUST FINANCIAL CORP (WTFC) pays a dividend with a trailing twelve-month yield of 1.63%.
Based on historical P/E analysis, WINTRUST FINANCIAL CORP (WTFC) appears fair. The current P/E of 13.9 is 20% above its historical median of 11.6. The estimated fair value CAGR (P/E method) is 12.7%.
WINTRUST FINANCIAL CORP (WTFC) operates in the State Commercial Banks industry, within the Financials sector.
WINTRUST FINANCIAL CORP (WTFC) reported annual revenue of $4.2 billion in its most recent fiscal year, based on SEC EDGAR filings.
Wintrust Financial Corporation is a financial holding company based in Rosemont, Illinois, with approximately $71.1 billion in total assets as of December 31, 2025, operating through sixteen wholly-owned banking subsidiaries that provide community-oriented personal and commercial banking services primarily in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and west Michigan. The company operates three reportable segments: community banking, which serves individuals, small to mid-sized businesses, local governmental units, and institutional clients through personalized, locally-managed service and differentiated products such as MaxSafe® deposit accounts that leverage the company's multiple bank charter structure to provide expanded FDIC insurance coverage; specialty finance, which includes premium finance receivables for property and casualty and life insurance premiums on a national basis through FIRST Insurance Funding and Wintrust Life Finance, lease financing through Wintrust Asset Finance, and accounts receivable financing through Tricom; and wealth management, which provides a full range of services primarily to customers in the company's market area through four separate subsidiaries. The company's business model emphasizes organic growth through de novo organizations and acquisitions of existing bank franchises, competing on deposit products, convenient office locations, service quality, loan fees, and treasury management offerings, while leveraging downtown Chicago and Milwaukee offices to capture commercial and industrial business in partnership with community bank lenders. The company's competitive differentiation stems from its locally-owned and operated structure with highly personalized service, its multiple bank charter advantage for deposit insurance coverage, and its unique market positioning in the Midwest combined with national expertise in specialty finance businesses.
【Mid-to-high single-digit growth trajectory】 Management expects mid-to-high single-digit loan growth for 2026 funded by similar levels of deposit growth, with net interest margin expected to remain relatively stable around 3.5% despite potential interest rate volatility. The company anticipates outsized loan growth in the second quarter driven by seasonal strength in the Property and Casualty Premium Finance business, with solid pipelines supporting continued growth in subsequent quarters. Operating leverage is expected to be delivered through mid-single-digit expense growth while continuing strategic investments in tools, technology, and people to support franchise expansion. Non-interest income is projected to improve in wealth management and service-based fee income businesses, with potential upside from mortgage market recovery, while the company remains focused on its Midwestern footprint and specialty businesses where it maintains competitive advantages.
| Metric | Target | Period |
|---|---|---|
| Loan growth | mid- to high-single-digit | FY2026 |
| Net interest margin | around 3.5% | FY2026 |
| Deposit growth | similar level to loan growth (mid- to high-single-digit) | FY2026 |
| Expense growth | mid-single digit year-over-year | FY2026 |
| Revenue growth | mid- to high-single-digit | FY2026 |
Loan growth (FY2026): “We expect mid to high single-digit loan growth funded by a similar level of deposit growth as we continue to expand share.”
Net interest margin (FY2026): “Given the current interest rate environment, and even with a few rate changes in either direction, we expect the margin to remain relatively stable around 3.5%.”
Deposit growth (FY2026): “We expect mid to high single-digit loan growth funded by a similar level of deposit growth as we continue to expand share.”
Expense growth (FY2026): “Overall, we still expect sort of mid-single digit year-over-year expense growth, 2026 versus 2025.”
Revenue growth (FY2026): “If we have that mid- to high single-digit revenue growth, so sort of say 7.5%-8% is sort of the middle of the target we would expect, and that's off of the fourth quarter run rate.”
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: 10-K, Q4 FY2025 Earnings Call, Q3 FY2025 Earnings Call, Q2 FY2025 Earnings Call, Q1 FY2025 Earnings Call
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 2.8B | 4.2B | 4.0B | 3.3B | 2.2B | 1.9B |
| Net Income | 811M | 774M | 667M | 595M | 482M | 438M |
| EPS | $12.08 | $11.40 | $10.31 | $9.58 | $8.02 | $7.58 |
| Free Cash Flow | 0 | 860M | 636M | 698M | 1.3B | 1.1B |
| ROIC | 11.0% | 11.3% | 11.2% | 11.5% | 10.1% | 10.1% |
| Gross Margin | - | 62.2% | 59.3% | 64.8% | 85.0% | 88.7% |
| Debt/Equity | 0.05 | 0.06 | 0.05 | 0.07 | 0.07 | 0.08 |
| Dividends/Share | $2.58 | $2.00 | $1.80 | $1.60 | $1.36 | $1.24 |
| Operating Income | 96M | 93M | 116M | 87M | 68M | 78M |
| Operating Margin | 3.4% | 2.2% | 2.9% | 2.6% | 3.1% | 4.2% |
| ROE | 11.0% | 11.4% | 11.4% | 11.7% | 10.4% | 10.2% |
| Shares Outstanding | 68M | 68M | 65M | 62M | 60M | 58M |
WINTRUST FINANCIAL CORP passes 5 of 9 quality checks, suggesting mixed fundamentals.
WINTRUST FINANCIAL CORP trades at 13.9x trailing earnings, compared to its 15-year median P/E of 11.6x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 12.5x vs a median of 11.3x. The company's 5-year average ROIC is 10.8% with a gross margin of 72.0%. Total shareholder yield (dividends) is 1.6%. At current prices, the estimated annualized return to fair value is +24.9%.
WINTRUST FINANCIAL CORP (WTFC) has a net profit margin of 18.3%. This is a healthy margin.
WINTRUST FINANCIAL CORP (WTFC) generated $860 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
WINTRUST FINANCIAL CORP (WTFC) has a debt-to-equity ratio of 0.06. This indicates a conservatively financed balance sheet.
WINTRUST FINANCIAL CORP (WTFC) reported earnings per share (EPS) of $11.40 in its most recent fiscal year.
WINTRUST FINANCIAL CORP (WTFC) has a return on equity (ROE) of 11.4%. This indicates moderate shareholder returns.
WINTRUST FINANCIAL CORP (WTFC) has a 5-year average gross margin of 72.0%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for WINTRUST FINANCIAL CORP (WTFC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
WINTRUST FINANCIAL CORP (WTFC) has a book value per share of $106.89, based on its most recent annual SEC filing.
Based on recent SEC filings and earnings disclosures, Management expects mid-to-high single-digit loan growth for 2026 funded by similar levels of deposit growth, with net interest margin expected to remain relatively stable around 3.5% despite potential interest rate volatility. The company anticipates outsized loan growth in the second quarter driven by seasonal strength in the Property and Casualty Premium Finance business, with solid pipelines supporting continued growth in subsequent quarters. Operating leverage is expected to be delivered through mid-single-digit expense growth while continuing strategic investments in tools, technology, and people to support franchise expansion. Non-interest income is projected to improve in wealth management and service-based fee income businesses, with potential upside from mortgage market recovery, while the company remains focused on its Midwestern footprint and specialty businesses where it maintains competitive advantages.
Based on recent SEC filings and earnings calls, WINTRUST FINANCIAL CORP (WTFC) has provided the following forward guidance: Loan growth: mid- to high-single-digit (FY2026); Net interest margin: around 3.5% (FY2026); Deposit growth: similar level to loan growth (mid- to high-single-digit) (FY2026); Expense growth: mid-single digit year-over-year (FY2026); Revenue growth: mid- to high-single-digit (FY2026).
No recent press releases.