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Company Analysis

Wintrust Financial Corporation WTFC

A comprehensive view of key metrics, scores, and financial health for Wintrust Financial Corporation

Overview of Wintrust Financial Corporation

WTFC NMS
Financial Services Banks - Regional Mid Cap
Wintrust Financial Corporation (WTFC), is a Mid Cap company, in the Banks - Regional industry, last closed at $130.21, about 22.7% overvalued vs fair value, +15.7% 1Y return, ranked 646/1004 in sector.
$130.21
-1.00%
As of March 13, 2026
Previous close • Vol 90d: 28.3%
52-Week Range
Market Cap
$9.29B
Enterprise Value
$13.30B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.wintrust.com
HQ Rosemont, IL
Employees 5,902
Fiscal year Dec 31

Next Events

Earnings Apr 20 Estimated

Fair Value Snapshot

Bear Base Bull
$56
$101
$188
Current: $130.21 -23% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$3.5B
20.2%%
Interest Expense
$1.5B
Net Interest Income
$2.0B
6.8%%
Total Revenue
$4.2B
72.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.2%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$147.2M
22.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Wintrust Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
80
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing WTFC's balance between Growth (34.4%), Profitability (31.5%), and Safety (34.2%). Growth 34% Safety 34% Profitability 31%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

74th percentile vs peers
75
Key Signals
Revenue CAGR 3Y 29.3% 84p Rev Growth YoY 72.6% 66p Asset Growth YoY 9.7% 76p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (29.3%, 84th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

68th percentile vs peers
68
Key Signals
Strengths
Risks
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Safety

74th percentile vs peers
74
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Wintrust Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$100.63
- - -
-22.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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