Wintrust Financial (WTFC) AI Stock Analysis

• Market Cap: $9.07B
• Dividend Yield: 1.43%
• Average Volume (3M): 433.39K
• Price to Earnings (P/E): 12.8
• Beta (1Y): 1.24
• Revenue Growth: 4.30%
• EPS Growth: 10.10%
• Country: US
• Employees: 5,903
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 2.78
• Shares Outstanding: 66,930,330
• 10 Day Avg. Volume: 503,121
• 30 Day Avg. Volume: 433,389
• PEG Ratio: 2.68
• Price to Book (P/B): 1.25
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 12.90
• Enterprise Value/Market Cap: 0.50
• Enterprise Value/Revenue: 0.29
• Enterprise Value/Gross Profit: 1.88
• Enterprise Value/Ebitda: 1.12
• 1Y Price Target: $154.38
• Price Target Upside: 16.25% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 9

• Rating: 81 Outperform
• Price Target: $156.00 ▲(17.47%Upside)

Wintrust Financial's robust financial performance and positive earnings call insights are the primary drivers of the stock's strong score. Technical indicators also suggest continued strength, though caution is warranted due to potential overbought conditions. Valuation metrics indicate a fair valuation, supporting a balanced investment thesis.

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 Corporation generates revenue primarily through interest income and non-interest income. Interest income is derived mainly from loans and securities, including commercial and residential loans, which are key components of its community banking services. The company also earns revenue from non-interest sources such as service charges on deposit accounts, wealth management fees, and mortgage banking income. Wealth management services, which include trust and investment management, contribute significantly to non-interest income. Additionally, Wintrust benefits from strategic partnerships and acquisitions that expand its market reach and enhance its service offerings, thereby supporting its overall revenue growth.

Wintrust Financial Financial Statement Overview

Summary

Wintrust Financial displays a strong financial performance with robust revenue growth, effective cost management, and solid profitability. The balance sheet reflects moderate leverage and a stable equity base, while cash flow management is healthy with strong cash generation. Overall, the company's financial health is robust, supporting its growth trajectory.

Income Statement

Wintrust Financial demonstrates strong revenue growth with a 21% increase from 2023 to 2024, indicating robust business expansion. The gross profit margin remains healthy at approximately 59% for TTM (Trailing-Twelve-Months), showcasing effective cost management. The net profit margin is solid at 17.3%, reflecting good profitability. EBIT and EBITDA margins are consistent, underscoring operational efficiency. Overall, the income statement reflects a stable and growing financial performance with effective profitability management.

Balance Sheet

The balance sheet shows a reasonable debt-to-equity ratio of 0.64, indicating moderate leverage and manageable debt levels. The equity ratio stands at 10%, highlighting a stable equity base relative to assets. Return on Equity (ROE) is strong at 10.6%, demonstrating effective use of shareholder equity to generate profits. The balance sheet reflects a solid financial position with good leverage management, although the equity ratio suggests room for strengthening the equity base.

Cash Flow

Free cash flow has grown by 10.4% from 2023 to 2024, indicating improved cash generation. The operating cash flow to net income ratio is 1.11, showing strong cash conversion from profits. The free cash flow to net income ratio is 1.01, further reinforcing the strong cash flow generation relative to earnings. Overall, the cash flow statement reflects robust cash management and healthy cash flow generation, supporting the company’s financial stability.

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

Wintrust Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 132.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 132.8 is above the 20-day moving average (MA) of 130.79, above the 50-day MA of 124.64, and above the 200-day MA of 121.17, indicating a bullish trend. The MACD of 3.03 indicates Positive momentum. The RSI at 57.74 is Neutral, neither overbought nor oversold. The STOCH value of 77.11 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
WTFC	81 Outperform	$9.07B	12.81	11.60%	1.43%	4.30%	10.10%
ZION	77 Outperform	$8.34B	10.32	13.28%	3.08%	2.64%	32.56%
CMA	76 Outperform	$8.76B	12.80	11.07%	4.21%	-7.80%	15.43%
UMBF	72 Outperform	$8.20B	13.61	8.33%	1.47%	20.70%	5.69%
PNFP	70 Outperform	$8.30B	14.18	9.32%	0.88%	10.19%	48.39%
PB	70 Neutral	$6.44B	12.67	7.02%	3.40%	3.66%	20.33%
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%

Wintrust Financial Corporate Events

Wintrust Financial Modifies Articles of Incorporation

On July 15, 2025, Wintrust Financial Corporation filed modifications to its Articles of Incorporation to reflect that no shares remain issued for its Series D and Series E Preferred Stocks. These shares have been returned to the status of authorized and unissued shares, leaving the Series F Preferred Stock as the only issued and outstanding preferred stock, following a public offering completed on May 22, 2025.

The most recent analyst rating on (WTFC) stock is a Buy with a $130.00 price target. To see the full list of analyst forecasts on Wintrust Financial stock, see the WTFC Stock Forecast page.

Wintrust Financial Board Member Resigns Unexpectedly

On June 11, 2025, Richard L. Postma resigned from the Board of Directors of Wintrust Financial Corporation due to personal reasons, effective immediately. His departure was not due to any disagreements with the company’s operations, policies, or practices.

The most recent analyst rating on (WTFC) stock is a Buy with a $130.00 price target. To see the full list of analyst forecasts on Wintrust Financial stock, see the WTFC Stock Forecast page.

Wintrust Financial to Redeem Preferred Stock Series

On June 13, 2025, Wintrust Financial Corporation announced its plan to redeem all outstanding shares of its Series D and Series E Preferred Stock, along with related Depositary Shares, on July 15, 2025. This strategic move, funded by proceeds from a recent public offering, will cease the trading of these shares on NASDAQ and stop dividend accruals, impacting investors holding these securities.

The most recent analyst rating on (WTFC) stock is a Buy with a $130.00 price target. To see the full list of analyst forecasts on Wintrust Financial stock, see the WTFC Stock Forecast page.

Wintrust Financial Approves 2025 Stock Incentive Plan

On May 22, 2025, Wintrust Financial Corporation’s shareholders approved the 2025 Stock Incentive Plan at the Annual Meeting, aiming to offer stock-based rewards to key personnel. Additionally, all thirteen director nominees were elected, the 2024 executive compensation was approved, and Ernst & Young LLP was ratified as the independent registered public accounting firm for 2025.

The most recent analyst rating on (WTFC) stock is a Buy with a $150.00 price target. To see the full list of analyst forecasts on Wintrust Financial stock, see the WTFC Stock Forecast page.

Wintrust Financial Completes Major Preferred Stock Offering

On May 22, 2025, Wintrust Financial Corporation completed a public offering of 17,000,000 depositary shares, each representing a 1/1,000th interest in a share of the company’s 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F. This issuance was part of an underwriting agreement with RBC Capital Markets, LLC, and the shares were offered under the company’s effective shelf registration statement. The event marks a significant financial maneuver for Wintrust, potentially impacting its capital structure and offering new investment opportunities for stakeholders.

The most recent analyst rating on (WTFC) stock is a Buy with a $130.00 price target. To see the full list of analyst forecasts on Wintrust Financial stock, see the WTFC Stock Forecast page.

Wintrust Financial Establishes Series F Preferred Stock

On May 9, 2025, Wintrust Financial filed a Certificate of Designations with the Secretary of State of Illinois, amending its articles of incorporation. This filing established the Series F Preferred Stock, setting the authorized number of shares at 18,000 and detailing the rights and restrictions associated with these shares.

The most recent analyst rating on (WTFC) stock is a Buy with a $130.00 price target. To see the full list of analyst forecasts on Wintrust Financial stock, see the WTFC Stock Forecast page.

Wintrust Financial Announces Public Offering Agreement

On May 8, 2025, Wintrust Financial Corporation announced an Underwriting Agreement with RBC Capital Markets for a public offering of 17,000,000 depositary shares, each linked to its Series F Preferred Stock. The offering, expected to close on May 22, 2025, aims to raise approximately $414.7 million in net proceeds, which will be used for general corporate purposes, potentially including the redemption of existing preferred stock, subject to Federal Reserve approval.