Symbols / WTFC Stock $150.55 +0.88% Wintrust Financial Corporation

Financial Services • Banks - Regional • United States • NMS
WTFC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Timothy S. Crane
Exch · Country NMS · United States
Market Cap 10.15B
Enterprise Value 11.33B
Income 811.13M
Sales 2.69B
FCF (ttm) —
Book/sh 102.03
Cash/sh 53.31
Employees 5,902
Insider 10d —
IPO Apr 16, 1998
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 17.18%
P/E 12.63
Forward P/E 10.88
PEG 1.17
P/S 3.77
P/B 1.48
P/C —
EV/EBITDA —
EV/Sales 4.21
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 11.92
EPS next Y 13.84
EPS Growth 19.70%
Revenue Growth 10.30%
EPS Gr Q/Q 20.30%
Rev Gr Q/Q —
Earnings (next) 2026-07-20
Earnings (prior) 2026-04-20
ROA 1.25%
ROE 12.34%
ROIC —
Gross Margin 0.00%
Oper. Margin 46.29%
Profit Margin 32.03%
Shs Outstand 67.44M
Shs Float 66.51M
Insider Own 1.48%
Instit Own 97.53%
Short Float 3.05%
Short Ratio 4.51
Short Interest 2.03M
52W High 162.96
vs 52W High -7.62%
52W Low 109.46
vs 52W Low 37.54%
Beta 0.85
Impl. Vol. 0.20%
Rel Volume 0.58
Avg Volume 492.58K
Volume 285.83K
Target (mean) $174.67
Tgt Median $178.00
Tgt Low $150.00
Tgt High $190.00
# Analysts 12
Recom Buy
Prev Close $149.24
Price $150.55
Change 0.88%
About

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 companies. In addition, it provides loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$174.67
Mean price target
2. Current target
$150.55
Latest analyst target
3. DCF / Fair value
$178.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$150.55
Low
$150.00
High
$190.00
Mean
$174.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-23 main TD Cowen Buy → Buy $176
2026-04-22 main DA Davidson Buy → Buy $180
2026-04-22 main Citigroup Buy → Buy $182
2026-04-22 main RBC Capital Outperform → Outperform $185
2026-04-22 main Barclays Overweight → Overweight $190
2026-04-22 reit Piper Sandler Overweight → Overweight $188
2026-04-21 main DA Davidson Buy → Buy $165
2026-03-23 main Truist Securities Buy → Buy $150
2026-01-26 main Truist Securities Buy → Buy $170
2026-01-23 main Citigroup Buy → Buy $178
2026-01-22 main Barclays Overweight → Overweight $185
2026-01-22 main TD Cowen Buy → Buy $177
2026-01-22 main DA Davidson Buy → Buy $172
2026-01-22 main Stephens & Co. Overweight → Overweight $162
2026-01-22 main RBC Capital Outperform → Outperform $175
2026-01-22 main Piper Sandler Overweight → Overweight $184
2026-01-07 main TD Cowen Buy → Buy $170
2025-12-30 main Citigroup Buy → Buy $167
2025-12-19 main Barclays Overweight → Overweight $178
2025-10-23 main Truist Securities Buy → Buy $158
News
RSS: Latest WTFC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-27 DYKSTRA DAVID A Chief Operating Officer — 9,579 $148.82 $1,425,547
2026-04-23 STOEHR DAVID L Chief Financial Officer — 3,020 $150.45 $454,359
2026-03-31 SMITH GREGORY A Director — 438 $139.82 $61,241
2026-03-31 HACKETT H PATRICK JR Director — 12 $139.82 $1,678
2026-03-31 CRIST PETER D Director — 703 $139.82 $98,293
2026-03-31 KENNEY BRIAN A Director — 438 $139.82 $61,241
2026-03-31 DOYLE WILLIAM J Director — 466 $139.82 $65,156
2026-03-31 GLABE MARLA F Director — 412 $139.82 $57,606
2026-03-31 CONNELLY ELIZABETH H Director — 470 $139.82 $65,715
2026-03-31 LEFEVRE DEBORAH L. HALL Director — 500 $139.82 $69,910
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
2,725.99
+11.23%
2,450.86
+7.87%
2,271.97
+16.13%
1,956.41
Operating Revenue
2,725.99
+11.23%
2,450.86
+7.87%
2,271.97
+16.13%
1,956.41
Selling General And Administration
981.52
+6.70%
919.88
+8.24%
849.82
+8.37%
784.16
Selling And Marketing Expense
63.85
+3.30%
61.81
-5.01%
65.08
+9.52%
59.42
General And Administrative Expense
917.67
+6.95%
858.07
+9.34%
784.74
+8.28%
724.75
Salaries And Wages
873.29
+6.88%
817.11
+9.24%
748.01
+7.46%
696.11
Reconciled Depreciation
118.78
+18.68%
100.08
+18.07%
84.76
+3.28%
82.07
Total Unusual Items
0.50
+109.68%
-5.16
+85.00%
-34.37
0.00
Total Unusual Items Excluding Goodwill
0.50
+109.68%
-5.16
+85.00%
-34.37
0.00
Special Income Charges
0.50
+109.68%
-5.16
+85.00%
-34.37
0.00
Other Special Charges
-0.50
-109.68%
5.16
-85.00%
34.37
+1274.96%
2.50
Write Off
—
—
—
—
Net Income
823.84
+18.53%
695.04
+11.63%
622.63
+22.16%
509.68
Pretax Income
1,118.41
+18.09%
947.09
+12.07%
845.08
+20.63%
700.55
Net Interest Income
2,224.05
+13.33%
1,962.54
+6.78%
1,837.86
+22.90%
1,495.36
Interest Expense
1,503.98
-0.73%
1,515.06
+43.57%
1,055.25
+318.62%
252.08
Interest Income
3,728.03
+7.20%
3,477.60
+20.20%
2,893.11
+65.56%
1,747.44
Gain On Sale Of Security
8.32
+419.87%
-2.60
-270.62%
1.52
+107.47%
-20.43
Tax Provision
294.56
+16.87%
252.04
+13.30%
222.46
+16.55%
190.87
Tax Rate For Calcs
0.00
-1.13%
0.00
+1.14%
0.00
-3.31%
0.00
Tax Effect Of Unusual Items
0.13
+109.57%
-1.37
+84.83%
-9.04
0.00
Net Income Including Noncontrolling Interests
823.84
+18.53%
695.04
+11.63%
622.63
+22.16%
509.68
Net Income From Continuing Operation Net Minority Interest
823.84
+18.53%
695.04
+11.63%
622.63
+22.16%
509.68
Net Income From Continuing And Discontinued Operation
823.84
+18.53%
695.04
+11.63%
622.63
+22.16%
509.68
Net Income Continuous Operations
823.84
+18.53%
695.04
+11.63%
622.63
+22.16%
509.68
Normalized Income
823.48
+17.84%
698.83
+7.85%
647.96
+27.13%
509.68
Net Income Common Stockholders
774.15
+16.05%
667.08
+12.18%
594.66
+23.45%
481.72
Otherunder Preferred Stock Dividend
14.05
—
—
—
Diluted EPS
—
10.31
+7.62%
9.58
+19.45%
8.02
Basic EPS
—
10.47
+7.72%
9.72
+19.41%
8.14
Basic Average Shares
—
63.69
+4.15%
61.15
+3.28%
59.20
Diluted Average Shares
—
64.70
+4.21%
62.09
+3.32%
60.09
Diluted NI Availto Com Stockholders
774.15
+16.05%
667.08
+12.18%
594.66
+23.45%
481.72
Amortization
21.39
+76.87%
12.10
+119.99%
5.50
-10.10%
6.12
Amortization Of Intangibles Income Statement
21.39
+76.87%
12.10
+119.99%
5.50
-10.10%
6.12
Depreciation Amortization Depletion Income Statement
21.39
+76.87%
12.10
+119.99%
5.50
-10.10%
6.12
Depreciation And Amortization In Income Statement
21.39
+76.87%
12.10
+119.99%
5.50
-10.10%
6.12
Depreciation Income Statement
—
—
42.36
+11.46%
38.01
Insurance And Claims
44.38
+8.33%
40.96
+11.53%
36.73
+28.24%
28.64
Occupancy And Equipment
266.95
+9.27%
244.31
+9.03%
224.06
+9.37%
204.86
Other Non Interest Expense
208.63
+15.49%
180.65
+10.16%
163.99
+10.03%
149.04
Preferred Stock Dividends
35.64
+27.46%
27.96
+0.00%
27.96
+0.00%
27.96
Professional Expense And Contract Services Expense
34.03
-16.25%
40.64
+16.91%
34.76
+5.05%
33.09
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
71,142.05
+9.65%
64,879.67
+15.32%
56,259.93
+6.25%
52,949.65
Cash And Cash Equivalents
3,648.43
-24.96%
4,861.77
+93.87%
2,507.73
+1.13%
2,479.63
Cash Financial
467.87
+3.51%
452.02
+6.76%
423.40
-13.75%
490.91
Other Short Term Investments
6,037.24
+54.75%
3,901.20
+18.53%
3,291.45
+8.98%
3,020.10
Receivables
835.27
+4514.27%
18.10
-97.42%
701.31
-25.24%
938.10
Accounts Receivable
0.00
-100.00%
18.10
+70.90%
10.59
-35.36%
16.39
Other Receivables
835.27
—
690.72
-25.06%
921.72
Net PPE
1,142.26
+8.03%
1,057.39
+2.64%
1,030.25
+1.13%
1,018.73
Gross PPE
1,693.53
+8.20%
1,565.14
+4.74%
1,494.26
+4.46%
1,430.49
Accumulated Depreciation
-551.28
-8.57%
-507.74
-9.42%
-464.01
-12.69%
-411.76
Land And Improvements
184.95
+0.35%
184.32
+11.01%
166.04
-0.40%
166.71
Buildings And Improvements
728.66
+3.53%
703.80
+2.40%
687.33
+1.84%
674.89
Machinery Furniture Equipment
409.09
+6.80%
383.06
+14.97%
333.18
+8.36%
307.47
Construction In Progress
10.18
-35.15%
15.70
-40.62%
26.44
-3.84%
27.50
Other Properties
360.65
+29.61%
278.26
-1.07%
281.28
+10.77%
253.93
Goodwill And Other Intangible Assets
895.96
-2.47%
918.63
+35.18%
679.56
+0.57%
675.71
Goodwill
797.96
+0.13%
796.94
+21.36%
656.67
+0.48%
653.52
Other Intangible Assets
98.00
-19.47%
121.69
+431.65%
22.89
+3.17%
22.19
Investments And Advances
9,643.94
+20.94%
7,974.23
+6.27%
7,503.81
+7.27%
6,995.08
Total Liabilities Net Minority Interest
63,883.33
+9.14%
58,535.37
+15.09%
50,860.41
+5.62%
48,152.81
Payables And Accrued Expenses
—
—
1,799.92
+9.31%
1,646.62
Payables
—
—
1,799.92
+9.31%
1,646.62
Accounts Payable
—
—
1,799.92
+9.31%
1,646.62
Current Debt And Capital Lease Obligation
0.00
0.00
0.00
-100.00%
290.00
Current Debt
0.00
0.00
0.00
-100.00%
290.00
Other Current Borrowings
0.00
0.00
0.00
-100.00%
290.00
Long Term Debt And Capital Lease Obligation
4,481.48
+5.75%
4,237.96
+16.11%
3,649.89
+10.74%
3,296.03
Long Term Debt
4,481.48
+5.75%
4,237.96
+16.11%
3,649.89
+10.74%
3,296.03
Stockholders Equity
7,258.72
+14.41%
6,344.30
+17.50%
5,399.53
+12.56%
4,796.84
Common Stock Equity
6,833.72
+15.20%
5,931.80
+18.94%
4,987.03
+13.75%
4,384.34
Capital Stock
492.06
+2.71%
479.06
+1.12%
473.77
+0.10%
473.30
Common Stock
67.06
+0.75%
66.56
+8.64%
61.27
+0.78%
60.80
Preferred Stock
425.00
+3.03%
412.50
+0.00%
412.50
+0.00%
412.50
Share Issued
67.06
+0.75%
66.56
+8.64%
61.27
+0.78%
60.80
Ordinary Shares Number
66.97
+0.72%
66.50
+8.57%
61.24
+0.74%
60.79
Treasury Shares Number
0.09
+34.35%
0.06
+160.45%
0.02
+664.56%
0.00
Additional Paid In Capital
2,534.02
+2.07%
2,482.56
+27.72%
1,943.81
+2.17%
1,902.47
Retained Earnings
4,537.54
+16.43%
3,897.16
+16.49%
3,345.40
+17.42%
2,849.01
Gains Losses Not Affecting Retained Earnings
-295.75
+41.82%
-508.33
-40.72%
-361.23
+15.53%
-427.64
Treasury Stock
9.16
+48.81%
6.15
+177.54%
2.22
+629.28%
0.30
Total Equity Gross Minority Interest
7,258.72
+14.41%
6,344.30
+17.50%
5,399.53
+12.56%
4,796.84
Total Capitalization
11,740.19
+10.94%
10,582.26
+16.94%
9,049.41
+11.82%
8,092.87
Invested Capital
11,315.19
+11.26%
10,169.76
+17.75%
8,636.91
+8.36%
7,970.37
Total Debt
4,481.48
+5.75%
4,237.96
+16.11%
3,649.89
+1.78%
3,586.03
Net Debt
833.05
—
1,142.16
+3.23%
1,106.40
Net Tangible Assets
6,362.76
+17.27%
5,425.66
+14.95%
4,719.97
+14.53%
4,121.13
Tangible Book Value
5,937.76
+18.44%
5,013.16
+16.38%
4,307.47
+16.15%
3,708.63
Available For Sale Securities
309.82
-34.72%
474.63
+33.36%
355.90
+6.36%
334.62
Cash Cash Equivalents And Federal Funds Sold
3,648.49
-25.06%
4,868.29
+94.13%
2,507.79
+1.13%
2,479.68
Held To Maturity Securities
3,296.88
-8.28%
3,594.33
-6.68%
3,851.75
+5.84%
3,639.23
Preferred Shares Number
0.02
-99.90%
16.50
+0.00%
16.50
+0.00%
16.50
Preferred Stock Equity
425.00
+3.03%
412.50
+0.00%
412.50
+0.00%
412.50
Trading Securities
0.00
-100.00%
4.07
-13.49%
4.71
+317.66%
1.13
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
910.35
+26.16%
721.56
-3.07%
744.38
-45.86%
1,375.00
Cash Flow From Continuing Operating Activities
910.35
+26.16%
721.56
-3.07%
744.38
-45.86%
1,375.00
Net Income From Continuing Operations
823.84
+18.53%
695.04
+11.63%
622.63
+22.16%
509.68
Depreciation Amortization Depletion
118.78
+18.68%
100.08
+18.07%
84.76
+3.28%
82.07
Depreciation And Amortization
118.78
+18.68%
100.08
+18.07%
84.76
+3.28%
82.07
Other Non Cash Items
34.13
+820.84%
-4.74
-115.28%
30.99
-90.03%
310.85
Stock Based Compensation
41.55
+9.03%
38.11
+13.77%
33.49
+5.50%
31.75
Deferred Tax
44.84
+307.24%
11.01
+155.87%
-19.71
-189.35%
22.06
Deferred Income Tax
44.84
+307.24%
11.01
+155.87%
-19.71
-189.35%
22.06
Operating Gains Losses
-113.53
-1009.92%
-10.23
+84.93%
-67.86
-209.94%
61.73
Gain Loss On Investment Securities
-8.32
-419.87%
2.60
+270.62%
-1.52
-107.47%
20.43
Gain Loss On Sale Of PPE
0.44
+30.36%
0.34
-73.95%
1.29
-54.66%
2.85
Change In Working Capital
-104.49
+44.32%
-187.65
-386.06%
-38.61
-113.07%
295.43
Change In Receivables
-50.88
+63.38%
-138.94
+30.40%
-199.63
-143.74%
-81.90
Changes In Account Receivables
-50.88
+63.38%
-138.94
+30.40%
-199.63
-143.74%
-81.90
Change In Payables And Accrued Expense
-57.67
-16.87%
-49.35
-129.98%
164.61
-56.38%
377.40
Change In Payable
-57.67
-16.87%
-49.35
-129.98%
164.61
-56.38%
377.40
Change In Account Payable
-57.67
-16.87%
-49.35
-129.98%
164.61
-56.38%
377.40
Change In Other Working Capital
4.07
+541.26%
0.64
+117.74%
-3.58
-5324.24%
-0.07
Investing Cash Flow
-6,168.62
-3.74%
-5,946.36
-83.65%
-3,237.82
+7.25%
-3,490.77
Cash Flow From Continuing Investing Activities
-6,168.62
-3.74%
-5,946.36
-83.65%
-3,237.82
+7.25%
-3,490.77
Net PPE Purchase And Sale
-49.95
+41.94%
-86.03
-85.39%
-46.41
+13.18%
-53.45
Purchase Of PPE
-49.95
+41.94%
-86.03
-85.39%
-46.41
+13.18%
-53.45
Capital Expenditure
-49.95
+41.94%
-86.03
-85.39%
-46.41
+13.18%
-53.45
Net Investment Purchase And Sale
-2,302.15
-397.47%
773.92
+436.30%
-230.13
+92.62%
-3,119.76
Purchase Of Investment
-5,127.76
-172.60%
-1,881.04
+30.62%
-2,711.39
+27.70%
-3,750.06
Sale Of Investment
2,825.61
+6.43%
2,654.96
+7.00%
2,481.26
+293.66%
630.30
Net Business Purchase And Sale
0.00
-100.00%
531.31
+10422.67%
-5.15
0.00
Purchase Of Business
—
—
—
0.00
Net Other Investing Changes
-7.98
+85.75%
-56.01
-320.68%
25.38
+130.05%
-84.47
Financing Cash Flow
5,267.68
+0.15%
5,259.88
+116.82%
2,425.94
+10.49%
2,195.53
Cash Flow From Continuing Financing Activities
5,267.68
+0.15%
5,259.88
+116.82%
2,425.94
+10.49%
2,195.53
Net Issuance Payments Of Debt
226.39
-62.37%
601.56
+1087.22%
50.67
-95.78%
1,200.13
Issuance Of Debt
300.00
-63.65%
825.24
+1528.65%
50.67
-95.78%
1,200.13
Repayment Of Debt
-73.61
+67.09%
-223.67
0.00
0.00
Long Term Debt Issuance
300.00
-63.65%
825.24
+1528.65%
50.67
-95.78%
1,200.13
Long Term Debt Payments
-73.61
+67.09%
-223.67
0.00
0.00
Net Long Term Debt Issuance
226.39
-62.37%
601.56
+1087.22%
50.67
-95.78%
1,200.13
Net Common Stock Issuance
-3.00
+23.70%
-3.94
-105.75%
-1.91
-100.67%
285.43
Common Stock Payments
-3.00
+23.70%
-3.94
-105.75%
-1.91
-529.28%
-0.30
Cash Dividends Paid
-169.42
-18.25%
-143.28
-13.99%
-125.69
-16.15%
-108.21
Repurchase Of Capital Stock
-415.50
-10456.48%
-3.94
-105.75%
-1.91
-529.28%
-0.30
Proceeds From Stock Option Exercised
7.22
+7.86%
6.69
-19.44%
8.31
-26.03%
11.23
Net Other Financing Charges
—
-6.17
-10721.05%
-0.06
—
Changes In Cash
9.40
-73.19%
35.07
+151.96%
-67.50
-184.63%
79.76
Beginning Cash Position
458.54
+8.28%
423.46
-13.75%
490.97
+19.40%
411.20
End Cash Position
467.94
+2.05%
458.54
+8.28%
423.46
-13.75%
490.97
Free Cash Flow
860.40
+35.38%
635.52
-8.95%
697.97
-47.19%
1,321.55
Interest Paid Supplemental Data
1,489.46
-1.87%
1,517.81
+47.89%
1,026.31
+329.04%
239.21
Income Tax Paid Supplemental Data
222.41
-12.04%
252.85
+9.15%
231.65
+50.91%
153.50
Common Stock Issuance
—
0.00
0.00
-100.00%
285.73
Dividends Received CFI
-10.85
-492.80%
2.76
-63.04%
7.48
+56.89%
4.76
Issuance Of Capital Stock
414.15
0.00
0.00
-100.00%
285.73
Net Preferred Stock Issuance
1.65
0.00
0.00
0.00
Preferred Stock Issuance
414.15
0.00
0.00
0.00
Preferred Stock Payments
-412.50
0.00
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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