Wintrust Financial (WTFC) AI Stock Analysis

• Market Cap: $9.53B
• Dividend Yield: 1.41%
• Average Volume (3M): 421.62K
• Price to Earnings (P/E): 13.1
• Beta (1Y): 1.10
• Revenue Growth: 3.58%
• EPS Growth: 13.93%
• Country: US
• Employees: 5,903
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.78
• Shares Outstanding: 66,971,160
• 10 Day Avg. Volume: 480,660
• 30 Day Avg. Volume: 421,615
• PEG Ratio: 1.48
• Price to Book (P/B): 1.25
• Price to Sales (P/S): 2.00
• P/FCF Ratio: 12.50
• Enterprise Value/Market Cap: 1.38
• Enterprise Value/Revenue: 3.15
• Enterprise Value/Gross Profit: 5.12
• Enterprise Value/Ebitda: 11.07
• 1Y Price Target: $160.67
• Price Target Upside: 12.90% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 8
• EPS Forecast (FY): 11.16
• Revenue Forecast (FY): $2.71B

• Rating: 78 Outperform
• Price Target: $157.00 ▲(10.32% Upside)

Wintrust Financial's strong financial performance and positive earnings call sentiment are the most significant factors driving the score. Technical analysis supports a bullish outlook, though caution is advised due to potential overbought conditions. Valuation is reasonable, and recent corporate events are strategically positive.

Positive Factors

Record Net Income

Consistent record net income indicates strong financial health and effective management, supporting long-term growth and stability.

Loan and Deposit Growth

Significant loan and deposit growth enhances revenue potential and market position, contributing to sustained business expansion.

Improved Credit Performance

Improved credit performance reduces risk and enhances financial stability, supporting long-term profitability and resilience.

Negative Factors

Slight Decline in Interest Margin

A decline in interest margin can pressure profitability, affecting the company's ability to maintain earnings growth over time.

Increased Charge-offs

Rising charge-offs indicate potential credit risk, which could impact future earnings and necessitate more conservative lending practices.

Pressure on Loan Yields

Pressure on loan yields may reduce interest income, affecting revenue growth and profitability in a competitive lending environment.

Wintrust Financial Business Overview & Revenue Model

Company Description

Wintrust Financial Corporation operates as a financial holding company. It operates in 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 (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers 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. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. 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; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 173 banking facilities and 228 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

How the Company Makes Money

Wintrust Financial generates revenue through several key streams. The primary source of income comes from net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The company's loan portfolio includes commercial loans, residential mortgages, and consumer loans, which contribute significantly to interest income. Additionally, Wintrust earns non-interest income from various fees associated with banking services, wealth management, and investment services. This includes service charges on deposit accounts, mortgage origination fees, and asset management fees. The company also benefits from strategic partnerships and acquisitions, which enhance its product offerings and expand its customer base, further contributing to its overall earnings.

Wintrust Financial Financial Statement Overview

Summary

Wintrust Financial demonstrates strong financial performance with consistent revenue growth, robust profitability margins, and a stable balance sheet. The company effectively manages its cash flows, enhancing financial flexibility. However, the increase in debt levels requires attention.

Income Statement

Wintrust Financial has demonstrated strong revenue growth over the years, with a TTM revenue growth rate of 1.78%. The company maintains healthy profitability margins, with a gross profit margin of 61.52% and a net profit margin of 18.85% in the TTM period. The EBIT and EBITDA margins are also robust at 25.63% and 27.79%, respectively, indicating efficient operational management. However, the slight decline in gross profit margin over the years suggests potential cost pressures.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.61, indicating moderate leverage. The return on equity (ROE) is strong at 11.55%, showcasing effective utilization of equity to generate profits. The equity ratio stands at 10.12%, suggesting a solid equity base relative to total assets. However, the increase in total debt over the years could pose a risk if not managed carefully.

Cash Flow

Wintrust Financial has shown significant improvement in free cash flow, with a growth rate of 35.09% in the TTM period. The free cash flow to net income ratio is high at 95.87%, indicating strong cash generation relative to net income. The operating cash flow to net income ratio is not available, but the overall cash flow position appears strong, supporting the company's liquidity and investment capabilities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.17B	3.97B	3.33B	2.21B	1.86B	1.90B
Gross Profit	2.57B	2.35B	2.16B	1.88B	1.77B	1.43B
EBITDA	1.19B	1.05B	929.85M	782.63M	739.59M	486.15M
Net Income	786.18M	695.04M	622.63M	509.68M	466.15M	292.99M
Balance Sheet
Total Assets	69.63B	64.88B	56.26B	52.95B	50.14B	45.08B
Cash, Cash Equivalents and Short-Term Investments	9.04B	8.76B	5.80B	5.50B	7.85B	7.90B
Total Debt	4.28B	4.24B	3.66B	3.60B	2.43B	2.44B
Total Liabilities	62.58B	58.54B	50.86B	48.15B	45.64B	40.96B
Stockholders Equity	7.05B	6.34B	5.40B	4.80B	4.50B	4.12B
Cash Flow
Free Cash Flow	1.14B	635.52M	697.97M	1.32B	1.07B	-582.11M
Operating Cash Flow	1.15B	721.56M	744.38M	1.38B	1.13B	-518.47M
Investing Cash Flow	-6.38B	-5.95B	-3.24B	-3.49B	-5.93B	-7.18B
Financing Cash Flow	5.06B	5.26B	2.43B	2.20B	4.89B	7.74B

Wintrust Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 142.31
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WTFC, the sentiment is Positive. The current price of 142.31 is above the 20-day moving average (MA) of 137.78, above the 50-day MA of 131.71, and above the 200-day MA of 124.18, indicating a bullish trend. The MACD of 3.03 indicates Negative momentum. The RSI at 67.33 is Neutral, neither overbought nor oversold. The STOCH value of 75.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WTFC.

Wintrust Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ONB	80 Outperform	$9.12B	13.73	8.26%	2.40%	20.72%	3.63%
WTFC	78 Outperform	$9.53B	13.08	11.69%	1.41%	3.58%	13.93%
UMBF	77 Outperform	$9.03B	13.46	11.06%	1.37%	38.81%	10.38%
ZION	74 Outperform	$8.85B	10.72	12.71%	2.94%	0.12%	27.30%
CMA	71 Outperform	$11.28B	16.89	9.64%	3.22%	-7.07%	31.09%
WAL	71 Outperform	$9.50B	10.68	12.79%	1.81%	6.30%	25.28%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Wintrust Financial Corporate Events

Wintrust Financial Amends Receivables Purchase Agreement

On December 15, 2025, First Insurance Funding of Canada Inc., a subsidiary of Wintrust Financial Corporation, entered into an amendment to its Receivables Purchase Agreement with Plaza Trust, extending the maturity date to December 15, 2026, and reducing the facility limit from $650 million to $580 million. The amendment also includes technical changes, and Wintrust confirmed its performance guarantee, while a new fee letter modifies fund costs and rates.

Wintrust Financial Amends Credit Agreement with Lenders

On December 4, 2025, Wintrust Financial Corporation, a company involved in financial services, executed amendments to its Amended and Restated Credit Agreement with U.S. Bank National Association and other lenders. The Fourth Amendment introduces outbound investment rule provisions, protective language in confidentiality clauses, and extends the Revolving Credit Maturity Date to December 3, 2026. The Fifth Amendment reduces the Commitment Fee on the unused portion of the Revolving Credit Commitment from 0.30% to 0.25% per annum.

Wintrust Financial Appoints New Directors to Board

On October 1, 2025, Wintrust Financial Corporation appointed Laura Kohl and David S. Richter as new directors, enhancing its board with expertise in technology and investment management. This strategic move aims to strengthen the board’s oversight and counsel, aligning with Wintrust’s mission to deliver exceptional customer experiences and shareholder value.