Wintrust Financial (WTFC) Stock Price, News & Analysis

Company Overview

Wintrust Financial Corporation (NASDAQ: WTFC) is a financial holding company headquartered in Rosemont, Illinois, that provides commercial and consumer banking services through its subsidiary, Wintrust Bank. Established in 1991, the company has grown through a combination of organic expansion and strategic acquisitions, positioning itself as a leading community-oriented bank in the Midwest. Wintrust’s operations are organized into specialized segments that focus on community banking, wealth management, mortgage lending and specialty finance, allowing the firm to meet a broad range of financial needs.

In its community banking segment, Wintrust offers deposit accounts, business credit and lending products, and treasury management solutions to small and medium-sized enterprises. The wealth management division delivers trust and investment advisory services through Wintrust Wealth Management, serving high-net-worth individuals as well as institutional clients. Through its independent mortgage companies, Wintrust Mortgage and its affiliates originate, service and sell residential mortgage loans across multiple channels, including retail branches and wholesale partners.

Geographically, Wintrust’s footprint spans metropolitan markets in Illinois, Wisconsin, Florida and Indiana, with branch networks under local brand names that resonate with the communities they serve. This decentralized approach allows each banking subsidiary to maintain local decision-making authority and personalized customer service. The company has built a diversified deposit base and maintains strong ties with regional business councils, civic organizations and community development agencies.

Leadership at Wintrust includes Edward W. “Ted” Wehmer, who serves as Chairman, President and Chief Executive Officer. Under his guidance, the company has pursued disciplined growth while adhering to rigorous credit standards and compliance practices. A seasoned banker, Wehmer and his executive team emphasize customer-centric strategies, technological innovation in digital banking, and a commitment to community reinvestment initiatives that support economic development in the regions Wintrust serves.

Key Stats

• Today's Range: $132.73 to $134.55
• 50-Day Range: $116.29 to $133.33
• 52-Week Range: $89.10 to $142.04
• Volume: 279,751 shs
• Average Volume: 429,231 shs
• Market Capitalization: $8.97 billion
• P/E Ratio: 13.25
• Dividend Yield: 1.49%
• Price Target: $138.00
• Consensus Rating: Moderate Buy

Wintrust Financial Stock Analysis - MarketRank™

Wintrust Financial scored higher than 93% of companies evaluated by MarketBeat, and ranked 111th out of 939 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Wintrust Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.92, and is based on 10 buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Wintrust Financial has been the subject of 9 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 4.92%

Earnings Growth

Earnings for Wintrust Financial are expected to grow by 4.92% in the coming year, from $10.36 to $10.87 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Wintrust Financial is 13.22, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.52.

Price to Earnings Ratio vs. Sector

The P/E ratio of Wintrust Financial is 13.22, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Wintrust Financial has a P/B Ratio of 1.50. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.24% of the float of Wintrust Financial has been sold short.

Short Interest Ratio / Days to Cover

Wintrust Financial has a short interest ratio ("days to cover") of 10.6, which indicates bearish sentiment.

Change versus previous month

Short interest in Wintrust Financial has recently decreased by 83.27%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Wintrust Financial pays a meaningful dividend of 1.54%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Wintrust Financial has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of Wintrust Financial is 19.78%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Wintrust Financial will have a dividend payout ratio of 18.40% next year. This indicates that Wintrust Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.4 / 5
• Environmental Score: -0.46

Percentage of Shares Shorted

2.24% of the float of Wintrust Financial has been sold short.

Short Interest Ratio / Days to Cover

Wintrust Financial has a short interest ratio ("days to cover") of 10.6, which indicates bearish sentiment.

Change versus previous month

Short interest in Wintrust Financial has recently decreased by 83.27%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 0.97

News Sentiment

Wintrust Financial has a news sentiment score of 0.97. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 13 news articles for Wintrust Financial this week, compared to 9 articles on an average week.

Search Interest

1 people have searched for WTFC on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Wintrust Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 1.01% of the stock of Wintrust Financial is held by insiders.

Percentage Held by Institutions

93.48% of the stock of Wintrust Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

WTFC Stock Analysis - Frequently Asked Questions

How have WTFC shares performed this year?

Wintrust Financial's stock was trading at $124.71 on January 1st, 2025. Since then, WTFC shares have increased by 7.1% and is now trading at $133.5550.

How were Wintrust Financial's earnings last quarter?

Wintrust Financial Corporation (NASDAQ:WTFC) announced its quarterly earnings data on Monday, April, 21st. The bank reported $2.69 EPS for the quarter, topping analysts' consensus estimates of $2.52 by $0.17. The bank earned $643.11 million during the quarter, compared to the consensus estimate of $643.11 million. Wintrust Financial had a net margin of 17.32% and a trailing twelve-month return on equity of 12.00%.
Read the conference call transcript.

Does Wintrust Financial have any subsidiaries?

Wintrust Financial subsidiaries include these companies: First Community Bank, Barrington Bank & Trust Company N.A., Beverly Bank & Trust Company N.A., Chicago Deferred Exchange Company LLC, Community Financial Shares Statutory Trust II, Crystal Lake Bank & Trust Company N.A., Elektra Holding Company LLC, and more.

Who are Wintrust Financial's major shareholders?

Top institutional shareholders of Wintrust Financial include Reinhart Partners LLC. (1.12%), CHICAGO TRUST Co NA (0.21%), Harbor Capital Advisors Inc. (0.14%) and Congress Asset Management Co. (0.14%). Insiders that own company stock include David A Dykstra, Richard B Murphy, H Patrick Hackett Jr, Timothy Crane, David L Stoehr, Edward J Wehmer and Jeffrey D Hahnfeld.
View institutional ownership trends.

How do I buy shares of Wintrust Financial?

Shares of WTFC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Wintrust Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Wintrust Financial investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), TotalEnergies (TTE), The RMR Group (RMR) and Southern First Bancshares (SFST).

Company Calendar

• Last Earnings: 4/21/2025
• Record date for 5/22 Dividend: 5/08/2025
• Ex-Dividend for 5/22 Dividend: 5/08/2025
• Dividend Payable: 5/22/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/21/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:WTFC
• CIK: 1015328
• Web: www.wintrust.com
• Phone: (847) 939-9000
• Fax: 847-615-4091
• Employees: 5,903
• Year Founded: 1991

Price Target and Rating

• Average Price Target for Wintrust Financial: $138.00
• High Price Target: $162.00
• Low Price Target: $115.00
• Potential Upside/Downside: +3.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.92
• Research Coverage: 13 Analysts

Profitability

• EPS (Trailing Twelve Months): $10.11
• Trailing P/E Ratio: 13.22
• Forward P/E Ratio: 12.89
• P/E Growth: N/A
• Net Income: $695.04 million
• Net Margins: 17.32%
• Pretax Margin: 23.62%
• Return on Equity: 12.00%
• Return on Assets: 1.10%

Debt

• Debt-to-Equity Ratio: 0.68
• Current Ratio: 1.01
• Quick Ratio: 1.00

Sales & Book Value

• Annual Sales: $3.97 billion
• Price / Sales: 2.25
• Cash Flow: $12.29 per share
• Price / Cash Flow: 10.87
• Book Value: $89.21 per share
• Price / Book: 1.50

Miscellaneous

• Outstanding Shares: 66,930,000
• Free Float: 66,254,000
• Market Cap: $8.94 billion
• Optionable: Optionable
• Beta: 0.82