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Wintrust Financial
(NASDAQ:WTFC)
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Rating:78Outperform
Price Target:
$184.00
â–²(15.97% Upside)
Action:Reiterated
Date:08/06/26
WTFC scores well primarily on improving financial performance (strong TTM revenue/profitability trends and a sharp cash-flow rebound) and a constructive earnings-call backdrop with reiterated growth targets and stable credit. Technicals are supportive but not strongly bullish given neutral momentum readings, while valuation is reasonable with a moderate P/E and modest dividend yield.
Positive Factors
Robust loan and deposit growth
Sustained organic loan growth paired with strong deposit inflows materially expands interest-earning assets while preserving funding via core deposits. Over 2–6 months this supports durable NII expansion, reduces reliance on wholesale funding and enables disciplined balance-sheet deployment for higher recurring revenue.
Negative Factors
Net interest margin compression risk
Back-book repricing in premium finance and competitive pricing in CRE/C&I drove margin pressure. Persisting spread compression would structurally reduce core profitability given the bank's loan-funded model; absent offsetting loan repricing or fee growth, NII and net margin could stay pressured.
Read all positive and negative factors
Positive Factors
Negative Factors
Robust loan and deposit growth
Sustained organic loan growth paired with strong deposit inflows materially expands interest-earning assets while preserving funding via core deposits. Over 2–6 months this supports durable NII expansion, reduces reliance on wholesale funding and enables disciplined balance-sheet deployment for higher recurring revenue.
Read all positive factors
Wintrust Financial (WTFC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$10.94B
Dividend Yield1.32%
Average Volume (3M)641.60K
Price to Earnings (P/E)12.9
Beta (1Y)1.06
Revenue Growth5.62%
EPS Growth17.55%
CountryUS
Employees5,902
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)12.63
Shares Outstanding67,465,965
10 Day Avg. Volume839,638
30 Day Avg. Volume641,601
Financial Highlights & Ratios
PEG Ratio1.14
Price to Book (P/B)1.29
Price to Sales (P/S)2.21
P/FCF Ratio10.88
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$179.89Price Target Upside13.38% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)13.13
Revenue Forecast (FY)$2.97B
Wintrust Financial Business Overview & Revenue Model
Company Description
Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segme...
How the Company Makes Money
Wintrust primarily makes money through a banking-style revenue model that combines net interest income, non-interest income (fee-based revenue), and, to a lesser extent, gains and other income. (1) Net interest income is typically the largest driv...
Wintrust Financial Earnings Call Summary
Earnings Call Date:Jul 20, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 20, 2026
Earnings Call Sentiment Positive
The call conveyed strong operational performance: record quarterly net income, robust organic loan and deposit growth, stable asset quality, continued tangible book growth, and strategic investments (branches, digital enhancements, a bolt-on wealth acquisition). Offsetting items included modest NIM compression driven by premium-finance repricing and competitive pressures, higher non-interest expenses (salaries, marketing, technology), and some revenue items that may be volatile/seasonal. On balance, the positives — pronounced growth, solid credit metrics, and operating leverage — outweigh the challenges discussed.Positive Updates
Record Net Income Streak Continues
Sixth consecutive record quarter of net income: Q2 net income $233.7M (up from just over $227M in Q1). Year-to-date net income $461M, up 20% year-over-year.
Negative Updates
Net Interest Margin Compression
NIM declined by 4 basis points quarter-over-quarter to 3.52%. Loan yields fell 7 basis points to 6.07%, driven primarily by back-book repricing in the commercial insurance premium finance portfolio and some spread compression from competitive pressures.
Read all updates
Q2-2026 Updates
Positive
Negative
Record Net Income Streak Continues
Sixth consecutive record quarter of net income: Q2 net income $233.7M (up from just over $227M in Q1). Year-to-date net income $461M, up 20% year-over-year.
Read all positive updates
Company Guidance
Management reiterated unchanged targets for 3Q and the remainder of 2026: aim for loan growth in the mid‑ to high‑single‑digits (after Q2 loan growth of ~$1.6B, 12% annualized and Y/Y growth of $4.6B/9%), with deposit growth to largely fund that (Q2 deposit growth ~$2.2B, ~15% annualized; average DDA up ~$300M); net interest margin expected to be a few basis points either side of ~3.50% (Q2 NIM 3.52%, loan yield 6.07% down 7 bps; net interest income +$18.3M QoQ and management expects NII growth in the mid‑to‑high single digits); provision for credit losses expected to remain in the ~$20–$30M range; credit metrics to stay stable (Q2 NPLs $179.3M/0.32%, charge‑offs 10 bps vs. 14 bps prior quarter; CRE NPLs 0.12%; CRE office exposure $1.6B — 11.3% of CRE / 2.9% of loans); mortgage revenue is expected to normalize to the low‑$20M range; expenses are to be well‑managed with mid‑single‑digit expense growth (Q2 non‑interest expense $397.5M); and CET1 (10.4%) and other capital ratios are expected to increase.Wintrust Financial Financial Statement Overview
Summary
Income Statement
83
Very Positive
Balance Sheet
74
Positive
Cash Flow
79
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.35B | 4.23B | 3.97B | 3.33B | 2.21B | 1.86B |
| Gross Profit | 2.76B | 2.63B | 2.35B | 2.16B | 1.88B | 1.77B |
| EBITDA | 1.32B | 1.21B | 1.05B | 929.85M | 782.63M | 739.59M |
| Net Income | 900.36M | 823.84M | 695.04M | 622.63M | 509.68M | 466.15M |
Balance Sheet | ||||||
| Total Assets | 74.67B | 71.14B | 64.88B | 56.26B | 52.95B | 50.14B |
| Cash, Cash Equivalents and Short-Term Investments | 15.02B | 6.70B | 8.76B | 5.80B | 5.50B | 7.85B |
| Total Debt | 4.37B | 4.48B | 4.24B | 3.66B | 3.60B | 2.43B |
| Total Liabilities | 67.14B | 63.88B | 58.54B | 50.86B | 48.15B | 45.64B |
| Stockholders Equity | 7.53B | 7.26B | 6.34B | 5.40B | 4.80B | 4.50B |
Cash Flow | ||||||
| Free Cash Flow | 1.60B | 860.40M | 635.52M | 697.97M | 1.32B | 1.07B |
| Operating Cash Flow | 1.64B | 910.35M | 721.56M | 744.38M | 1.38B | 1.13B |
| Investing Cash Flow | -6.54B | -6.17B | -5.95B | -3.24B | -3.49B | -5.93B |
| Financing Cash Flow | 4.79B | 5.27B | 5.26B | 2.43B | 2.20B | 4.89B |
Wintrust Financial Technical Analysis
Positive
158.66
Price Trends
158.21
Positive
151.40
Positive
145.41
Positive
Market Momentum
0.48
Positive
56.69
Neutral
32.89
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 158.66 is below the 20-day moving average (MA) of 160.31, above the 50-day MA of 158.21, and above the 200-day MA of 145.41, indicating a bullish trend. The MACD of 0.48 indicates Positive momentum. The RSI at 56.69 is Neutral, neither overbought nor oversold. The STOCH value of 32.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WTFC.
Wintrust Financial Risk Analysis
Wintrust Financial disclosed 56 risk factors in its most recent earnings report. Wintrust Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Wintrust Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $10.27B | 11.88 | 10.46% | 2.15% | 27.70% | 32.69% | |
78 Outperform | $10.94B | 12.87 | 12.33% | 1.32% | 5.62% | 17.55% | |
77 Outperform | $11.21B | 12.37 | 12.17% | 1.20% | 28.55% | 37.78% | |
77 Outperform | $10.36B | 9.14 | 16.14% | 2.60% | 3.90% | 43.25% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $8.89B | 9.18 | 12.99% | 1.97% | 12.24% | 16.53% |
* Financial Sector Average
WTFC
Wintrust Financial
162.60
36.00
28.44%
ONB
Old National Bancorp Capital
27.08
5.79
27.20%
UMBF
UMB Financial
149.45
34.40
29.90%
ZION
Zions Bancorporation National Association
71.92
19.74
37.84%
WAL
Western Alliance
82.62
-0.42
-0.51%
Wintrust Financial Corporate Events
Business Operations and StrategyShareholder Meetings
Wintrust Shareholders Back Board, Pay Plan and Auditor
Positive
May 29, 2026
At its 2026 Annual Meeting of Shareholders held on May 28, 2026, Wintrust Financial Corporation reported that shareholders elected all twelve director nominees to the board, reaffirming the existing leadership slate and corporate governance direct...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.