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Wintrust Financial Corp (WTFC) stock

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NASDAQ: WTFC Nasdaq Regional Banks Next results ~January 19, 2027

C Fundamentals grade

Wintrust Financial Corp is a US-listed company in the regional banks industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

~$140

Valuation models combined (6)

Base case. Range ~$90–$160. Weighted average of 6 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers, dividend discount (two-stage)), the residual income counting double.

Price vs value

Modestly overvalued

The price is inside our value range, 12% above our base value.

Price used: $157.40, November 2, 2026

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders0 buying, 7 selling0 purchases and 14 sales by directors and officers, last 12 monthsInsider trades
  • Funds308 adding, 203 cuttingOf 67 active managers that changed their stake, 38 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Wintrust Financial files

Where Wintrust Financial stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $2.86bn, up 11.5% on a year earlier, slower than 12.3% a quarter earlier. Our valuation models combined value is $146 a share, against a share price of $146.

Source: 10-Q filed August 5, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 19, 2027 (estimated)

Wintrust Financial Corp's trailing-twelve-month revenue grew 11.5% year on year, with a free-cash-flow margin of 55.1%.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 96.9% while net income grew 21.7%: a 75pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Strengths

  • Strong cash generation. 55.1% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $0.6bn.
  • Beating expectations. Earnings per share beat the analysts' consensus estimate in each of the last four quarters.

Things to watch

  • Weakest spot: stock pay as % of revenue. Stock pay as % of revenue of 1.5% ranks 133 of 206 regional banks companies we cover (median 1.3%).

Latest results: FY2026 Q2

Filed August 5, 2026
Earnings per share
$3.37 against an average estimate of $3.31: beat by 1.9%
Revenue
$739m, up 10.1% on a year earlier
Share reaction
+1.5% in the first session after the results on October 19, 2026, against +0.8% for the S&P 500
Next report
October 19, 2026; average EPS estimate $3.43

Wintrust Financial's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+3.3%
  • 1 week+4.1%
  • 1 month+8.5%
  • This year+13.8%
  • 1 year+22.8%
  • 5 years+82.9%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$2.9B
Net margin
31.4%
EPS (TTM, diluted)
$13.22

Growth

Revenue growth
+11.5%
Change in growth rate
−0.8 pts
Share count change
+1.3%

Earnings

Last results
October 19, 2026
Next results (est.)
January 19, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Announcement
  2. Insider trade
  3. Announcement
  4. Results
  5. Results
  6. Insider trade
  7. Results
  8. Announcement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Fundamentalytics rating

model v1.6 · 2026-11-03
Hold12-month view
12-month price target
~$140
Price used
$157.05close November 3, 2026
Implied change
▼ 11%
Uncertainty
Low

How we got here: the combined value of 6 valuation models built for a business like Wintrust Financial Corp (see the models table below and how they are combined) , with a 8.97% cost of equity. The models span ~$90–~$160; that spread sets a 15% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value Wintrust Financial Corp as a bank or lender, with every model that fits that kind of business. Cost of equity 9%: the 10-year Treasury yield (4.9%) plus a beta of 0.9 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$140 ~$100–$210 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$150 ~$130–$180 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$160 ~$94–$220 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$90 ~$120–$180 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$140 ~$130–$160 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$160 ~$130–$200 Included
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$140 ~$90–$160 6 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Wintrust Financial Corp with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

63 /100

Moderate moat

How hard Wintrust Financial's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 12 / 20

    Net income has been a median 1.0% of total assets over 10 years.

  • Durability 18 / 20

    Net margin has been a median 25.7%; its worst year was 17.3%.

  • Discipline 11 / 20

    The diluted share count rose 17.8% over five years; stock-based pay has been a median 1.3% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (68 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

Wintrust Financial Corp: consensus estimates
Fiscal yearEPSGrowthRevenueGrowth
Current $13.27 +14% $3.0bn +9%
Next $14.12 +6% $3.2bn +7%

Next year's EPS estimate has moved +2.2% in 90 days, across 15 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +1.3% on 90 days ago. In the last 30 days, 6 analysts raised Wintrust Financial Corp's forecast and 2 cut it.

Consensus EPS forecast Wintrust Financial Corp, last 90 days
$13.00 $13.50 $14.00 $14.50 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $13.10 Current fiscal year, 60 days ago: $13.11 Current fiscal year, 30 days ago: $13.11 Current fiscal year, 7 days ago: $13.14 Current fiscal year, Now: $13.27 $13.27 Next fiscal year, 90 days ago: $13.81 Next fiscal year, 60 days ago: $13.81 Next fiscal year, 30 days ago: $13.83 Next fiscal year, 7 days ago: $13.91 Next fiscal year, Now: $14.12 $14.12

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $13.10$13.81
60 days ago $13.11$13.81
30 days ago $13.11$13.83
7 days ago $13.14$13.91
Now $13.27$14.12

Earnings against estimates

Wintrust Financial Corp: reported EPS against the consensus estimate
Quarter toEstimateActualSurprise
Sept 2026 $3.31 $3.37 +1.9%
Jun 2026 $3.15 $3.28 +4.0%
Mar 2026 $2.96 $3.22 +8.7%
Dec 2025 $2.93 $3.15 +7.5%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 19, 2026

No numeric guidance in Wintrust Financial Corp's latest earnings release (filed October 19, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

16 analysts, Oct 2026
Buy1063%
Hold638%
Sell00%

Monthly trend

  1. Oct 202646616
  2. Sep 202645615
  3. Aug 202645514
  4. Jul 202645514

Counts of recommendations published by analysts covering Wintrust Financial Corp, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
4.4%
of tradable shares
Days to cover
5.59
at average volume
Short interest, 1 month
+12%
to October 15, 2026
Held by institutions
97%
of shares
Held by insiders
1.4%
of shares
Employees
5,902
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Recent prices are available. Older price history and the statistics that need it are being loaded in the background.

What moved the share price

Last 12 months +22.8%

$128.15 on October 31, 2025 to $157.40

Wintrust Financial Corp: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $2.6bn $2.9bn +11.5%
Net margin 28.8% 31.4% +9.1%
P/E multiple 11.7x 11.9x +2.2%
Share count 67m 68m −1.2%

Biggest factor: revenue.

Last 3 years +102.9%

$77.56 on November 3, 2023 to $157.40

Wintrust Financial Corp: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $2.2bn $2.9bn +31.4%
Net margin 28.6% 31.4% +10.1%
P/E multiple 7.7x 11.9x +54.6%
Share count 62m 68m −9.2%

Biggest factor: p/e multiple.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Wintrust Financial Corp: yearly return, monthly win rate and worst fall against the S&P 500
Calendar year 202120222023202420252026 to date
Return
WTFC+51%−6%+12%+37%+14%+14%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
WTFC67%42%50%58%58%55%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
WTFC−17%−27%−36%−14%−30%−19%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since October 29, 2015: 75% from May 21, 2018 to March 18, 2020. Getting back needed a 292% gain, reached on November 3, 2021, 595 days after the low.

Price behaviour

52-week range
$122.14 – $166.33
From 52-week high
−5.4%
vs 50-day average
+6.3%
vs 200-day average
+5.2%
Volatility (1 year)
23%
Beta vs S&P 500
0.66

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
8 up, 4 down
typical move ±2.5%
After a week
7 up, 5 down
typical move ±3.8%
After a month
6 up, 5 down
typical move ±7.0%
Wintrust Financial Corp: share-price change after each results release
Results releasedNext dayS&P 500 next day5 days21 days
October 19, 2026 +1.5% +0.8% +4.9% —
July 20, 2026 −3.3% +0.7% −3.3% −3.0%
April 20, 2026 +1.4% −0.9% +0.7% −0.9%
January 20, 2026 +3.8% −0.9% −0.3% +5.5%
October 20, 2025 +5.4% +1.0% +7.0% +2.4%
July 21, 2025 +1.0% +0.2% −1.5% −4.2%
April 21, 2025 +4.0% +0.2% +9.4% +19.6%
January 21, 2025 −1.3% +1.5% −2.2% −4.2%
October 21, 2024 −0.5% −0.2% +0.6% +14.0%
July 17, 2024 −5.0% −2.2% −4.3% −9.6%
April 17, 2024 +0.9% −0.8% +6.0% +8.6%
January 17, 2024 +2.1% +0.3% +5.6% +4.5%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Options strategies

All options ideas

How Wintrust Financial Corp’s listed options are priced, and three ways to use them that follow from our valuation. Quotes are delayed, read November 2, 2026. Check the live chain at your broker before trading.

Cash-secured put

Not offered: fundamentals grade C (needs B+ or better).

We suggest selling a put only on well-rated companies, at a strike where the price you would pay if assigned (strike less premium) is at or below our fair value.

Covered call

Not offered: no liquid call at or above our price target — the model says the upside is worth more than any listed strike.

For holders: sell a call at a strike at or above our fair value, so the shares are only sold at a price the model calls full value.

Collar

Not offered: no liquid put and call pair for the same expiry.

For holders of a stock trading at or above our fair value: buy a put for a floor and sell a call to pay for it.

General research, not personal advice. Options can lose you more than you expect and are not suitable for everyone: put sellers can be made to buy shares that keep falling, call sellers give up gains above the strike, and results or news can move prices sharply. Chances shown are approximations from each option’s delta. Spreads, fees and early assignment are not modelled.

Wintrust Financial Corp in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Wintrust Financial Corp
$2.2B $2.4B $2.6B $2.8B $3B FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $2.3B Revenue (TTM), FY23 Q4: $2.3B Revenue (TTM), FY24 Q1: $2.3B Revenue (TTM), FY24 Q2: $2.3B Revenue (TTM), FY24 Q3: $2.4B Revenue (TTM), FY24 Q4: $2.5B Revenue (TTM), FY25 Q1: $2.5B Revenue (TTM), FY25 Q2: $2.6B Revenue (TTM), FY25 Q3: $2.7B Revenue (TTM), FY25 Q4: $2.7B Revenue (TTM), FY26 Q1: $2.8B Revenue (TTM), FY26 Q2: $2.9B $2.9B

Source: SEC EDGAR filings. Retrieved October 20, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $2.3B
FY23 Q4 $2.3B
FY24 Q1 $2.3B
FY24 Q2 $2.3B
FY24 Q3 $2.4B
FY24 Q4 $2.5B
FY25 Q1 $2.5B
FY25 Q2 $2.6B
FY25 Q3 $2.7B
FY25 Q4 $2.7B
FY26 Q1 $2.8B
FY26 Q2 $2.9B
Revenue growth, TTM YoY Wintrust Financial Corp
0% 10% 20% 30% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: 22.7% Revenue growth, TTM YoY, FY23 Q4: 16.1% Revenue growth, TTM YoY, FY24 Q1: 12.2% Revenue growth, TTM YoY, FY24 Q2: 7.4% Revenue growth, TTM YoY, FY24 Q3: 5.8% Revenue growth, TTM YoY, FY24 Q4: 7.9% Revenue growth, TTM YoY, FY25 Q1: 7.7% Revenue growth, TTM YoY, FY25 Q2: 9.7% Revenue growth, TTM YoY, FY25 Q3: 11.2% Revenue growth, TTM YoY, FY25 Q4: 11.2% Revenue growth, TTM YoY, FY26 Q1: 12.3% Revenue growth, TTM YoY, FY26 Q2: 11.5% 11.5%

Source: SEC EDGAR filings. Retrieved October 20, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 22.7%
FY23 Q4 16.1%
FY24 Q1 12.2%
FY24 Q2 7.4%
FY24 Q3 5.8%
FY24 Q4 7.9%
FY25 Q1 7.7%
FY25 Q2 9.7%
FY25 Q3 11.2%
FY25 Q4 11.2%
FY26 Q1 12.3%
FY26 Q2 11.5%
FCF margin (TTM) Wintrust Financial Corp
0% 20% 40% 60% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY23 Q3: 34.2% FCF margin (TTM), FY23 Q4: 30.7% FCF margin (TTM), FY24 Q1: 30.3% FCF margin (TTM), FY24 Q2: 23.1% FCF margin (TTM), FY24 Q3: 16.6% FCF margin (TTM), FY24 Q4: 25.9% FCF margin (TTM), FY25 Q1: 28.2% FCF margin (TTM), FY25 Q2: 31.2% FCF margin (TTM), FY25 Q3: 40.4% FCF margin (TTM), FY25 Q4: 30.9% FCF margin (TTM), FY26 Q1: 59.0% FCF margin (TTM), FY26 Q2: 55.1% 55.1%

Source: SEC EDGAR filings. Retrieved October 20, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q3 34.2%
FY23 Q4 30.7%
FY24 Q1 30.3%
FY24 Q2 23.1%
FY24 Q3 16.6%
FY24 Q4 25.9%
FY25 Q1 28.2%
FY25 Q2 31.2%
FY25 Q3 40.4%
FY25 Q4 30.9%
FY26 Q1 59.0%
FY26 Q2 55.1%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What Wintrust Financial earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $3.7B
  2. Fee and other income $502M · 18.4%
  3. Interest paid $1.5B
  4. Net interest income $2.2B · 81.6%
  5. Revenue $2.7B
  6. Non-interest expense $1.5B · 55.5%
  7. Credit-loss provisions $95.6M · 3.5%
  8. Pre-tax profit $1.1B · 41.0%
  9. Income tax $295M · 10.8%
  10. Net income $824M · 30.2%
Where Wintrust Financial's revenue went, FY2025
Interest income $3.7B
Fee and other income $502M 18.4% of revenue
Interest paid $1.5B
Net interest income $2.2B 81.6% of revenue
Revenue $2.7B
Non-interest expense $1.5B 55.5% of revenue
Credit-loss provisions $95.6M 3.5% of revenue
Pre-tax profit $1.1B 41.0% of revenue
Income tax $295M 10.8% of revenue
Net income $824M 30.2% of revenue

Shares of revenue. Source: Wintrust Financial's 10-K for FY2025, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Wintrust Financial Corp: annual financial statements
Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 630 608 651 746 773 814 913 1,048 1,152 1,321 1,462 1,644 1,711 1,956 2,272 2,451 2,726 2,864
Net income 73 63 78 111 137 151 157 207 258 343 356 293 466 510 623 695 824 900
Diluted EPS $2.18 $1.02 $1.67 $2.31 $2.75 $2.98 $2.93 $3.66 $4.40 $5.86 $6.03 $4.68 $7.58 $8.02 $9.58 $10.31 $11.40 $13.22
Growth (year on year)
Revenue +82.9% −3.4% +7.1% +14.5% +3.7% +5.3% +12.2% +14.7% +9.9% +14.7% +10.7% +12.4% +4.1% +14.3% +16.1% +7.9% +11.2% +11.5%
Net income +256.6% −13.3% +22.5% +43.3% +23.4% +10.3% +3.5% +32.0% +24.6% +33.2% +3.7% −17.6% +59.1% +9.3% +22.2% +11.6% +18.5% +21.7%
Diluted EPS +186.8% −53.2% +63.7% +38.3% +19.0% +8.4% −1.7% +24.9% +20.2% +33.2% +2.9% −22.4% +62.0% +5.8% +19.5% +7.6% +10.6% +20.2%
Margins
Net margin 11.6% 10.4% 11.9% 14.9% 17.7% 18.6% 17.2% 19.7% 22.4% 26.0% 24.3% 17.8% 27.2% 26.1% 27.4% 28.4% 30.2% 31.4%
Free-cash-flow margin −136.5% 15.4% 25.4% 26.1% 32.3% 20.7% −0.5% 26.4% 29.7% 23.4% 12.6% −35.4% 62.8% 67.5% 30.7% 25.9% 31.6% 57.4%
Cash flow
Cash from operations −841 124 244 269 287 206 39 311 402 377 266 −518 1,131 1,375 744 722 910 1,644
Capital spending 18 31 79 74 38 38 43 34 59 68 82 64 57 53 46 86 50 0
Free cash flow −859 94 165 194 250 168 −4 277 342 309 184 −582 1,074 1,322 698 636 860 1,644
Stock-based pay 7 5 6 9 7 8 10 9 13 13 11 −5 16 32 33 38 42 44
Free cash flow after stock pay −866 89 159 185 243 160 −14 268 330 295 173 −577 1,058 1,290 664 597 819 1,600
Balance sheet
Cash 159 173 170 315 264 231 276 270 278 392 286 322 411 491 423 459 468 596
Total debt 0 643 630 36 673 178 179 192 176 202 249 352 351 336 415 335 422 371
Net debt (negative = net cash) −159 471 461 −279 409 −53 −96 −78 −102 −191 −38 30 −61 −155 −8 −124 −46 −225
Diluted shares 26m 32m 44m 48m 50m 51m 52m 54m 57m 57m 58m 58m 58m 60m 62m 65m 68m 68m
Returned to shareholders
Dividends 22 23 10 13 14 25 30 39 41 51 65 86 99 108 126 143 169 179
Buybacks 0 0 0 8 4 1 0 1 0 0 0 92 10 0 0 — — —
Total returned 22 23 10 21 17 25 30 39 41 51 65 178 108 108 126 143 169 179

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

Dividends (TTM)
$179M
Diluted share count
+1.3%
year over year
Total shareholder yield
1.7%
dividends 1.7% + buybacks 0.0% of market value
Dividend payout ratio
20%
of net income paid out

Competitors: side by side with peers

Closest by revenue in regional banks
Growth, margins and cash generation against peers
Last 12 months unless stated WTFC ONB UMBF SSB COLB EWBC Median
Revenue, last 12 months $2.9bn $2.8bn $3.0bn $2.7bn $2.7bn $3.1bn $255m
Revenue growth, last 12 months 11.5% 21.8% 27.3% 10.7% 33.7% 13.7% 12.5%
Revenue growth, 3-year average 9.5% 13.7% 27.2% 15.0% 18.1% 6.0% 6.0%
Revenue growth, latest quarter 10.1% 1.1% 13.9% −1.9% 32.5% 12.5% 10.7%
Net margin 31.4% 33.8% 34.3% 34.3% 26.8% 46.6% 28.7%
Cash from operations / revenue 57.4% 36.2% 39.4% 57.8% 49.2% 63.7% 34.3%
Free-cash-flow margin 55.1% 34.6% 37.9% 55.3% 43.3% 63.7% 31.4%
Free-cash-flow margin, 3-year average 36.5% 29.6% 31.8% 20.3% 32.4% 57.8% 29.9%
Stock pay / revenue 1.5% 1.2% 1.4% 1.4% 1.4% 2.8% 1.2%
Change in share count 1.3% 10.8% 14.4% 3.2% 32.9% −0.4% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measures ranked against peers
Measure Company Peer median Rank
Revenue growth Growth 11.5% 12.5% 137 of 245
Change in growth rate Growth -0.8pp +0.0pp 149 of 244
Net margin Profitability 31.4% 28.7% 81 of 245
Stock pay as % of revenue Cash generation 1.5% 1.3% 133 of 206
Change in share count Balance sheet 1.3% 0.4% 147 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Products and services
Line of business Revenue YoY
Wealth Management $147M ▲ 0.8%
Asset Management Revenue $99.6M ▲ 1.9%
Service Charges On Deposit Accounts Revenue $79.1M ▲ 20.5%
Trust Revenue $29.1M ▲ 12.0%
Brokerage and Insurance Product Commissions $18.8M ▼ 16.9%
Card Related Fee Revenue $16M ▼ 10.4%
Other Deposit Related Fee Revenue $15.1M ▲ 9.6%
Administrative Services Revenue $5.3M ▼ 0.7%
Mortgage Broker Fees $2.8M ▲ 43.3%

These categories overlap or exclude eliminations, so shares aren't shown.

From Wintrust Financial Corp's 10-K filed February 26, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Reported value
$10.4B
Institutions reporting
594
Shares held vs prior quarter
▲ 0.6%
Positions opened / closed
75 / 34

Top buyers and sellers, Q2 2026: 308 institutions bought and 203 sold ; the biggest buyer was Blackrock, Inc (+287K shares) and the biggest seller Channing Capital Management, LLC (−546K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $1.1B 6.6M 10.2% ▲ 4.6%
FMR LLC $823M 5.1M 7.9% ▼ 3.1%
Vanguard Portfolio Management LLC $578M 3.6M 5.5% ▲ 0.3%
Vanguard Capital Management LLC $494M 3.1M 4.7% ▲ 1.5%
Dimensional Fund Advisors LP $430M 2.7M 4.1% ▼ 1.0%
State Street Corp $427M 2.7M 4.1% ▲ 2.8%
First Trust Advisors LP $281M 1.7M 2.7% ▼ 4.4%
Earnest Partners LLC $221M 1.4M 2.1% ▼ 1.9%
Geode Capital Management, LLC $215M 1.3M 2.1% ▲ 1.4%
Principal Financial Group Inc $200M 1.2M 1.9% ▼ 1.6%
Invesco Ltd. $189M 1.2M 1.8% ▼ 14.2%
Bank Of America Corp $168M 1.0M 1.6% ▲ 2.6%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Wintrust Financial Corp's complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Recent insider open-market transactions
Insider Date Trade Shares Price Value
Murphy Richard B VICE CHAIR,CHIEF LENDING OFC October 22, 2026 Sell 7,136 $148.66 $1.1M
Dykstra David A VICE CHAIRMAN AND COO August 13, 2026 Sell 13,515 $162.77 $2.2M
Mckinney Suzet M Director May 4, 2026 Sell 500 $148.96 $74,480
Dykstra David A VICE CHAIRMAN AND COO April 27, 2026 Sell 9,579 $148.82 $1.4M
Stoehr David L CHIEF FINANCIAL OFFICER April 23, 2026 Sell 3,020 $150.45 $454,359
Hahnfeld Jeffrey D EVP-CONTROLLER & CHIEF ACC OFF March 4, 2026 Sell 530 $145.65 $77,194
Murphy Richard B VICE CHAIR,CHIEF LENDING OFC March 2, 2026 Sell 3,979 $147.12 $585,390
Boege Kathleen M EVP, CHIEF LEGAL OFC, AND SEC February 4, 2026 Sell 5,000 $159.61 $798,050
Lee David Eric VICE CHAIR, WINTRUST FINANCIAL January 30, 2026 Sell 558 $147.42 $82,260
Stoehr David L CHIEF FINANCIAL OFFICER January 29, 2026 Sell 2,499 $146.16 $365,254
Murphy Richard B VICE CHAIR,CHIEF LENDING OFC January 29, 2026 Sell 3,291 $146.05 $480,651
Boege Kathleen M EVP, CHIEF LEGAL OFC, AND SEC January 29, 2026 Sell 2,066 $146.37 $302,400

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 1 trade and filings

No trades in Wintrust Financial Corp disclosed in the last 12 months; 1 earlier trade on record.

  • Thomas MacArthur(NJ):Sale (full), $15,001 - $50,000, traded February 1, 2016, filed March 3, 2016

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around January 19, 2027 estimated from the company's past filing pattern, not announced

  • October 19, 2026
  • July 20, 2026
  • April 20, 2026
  • January 20, 2026
  • October 20, 2025
  • July 21, 2025

Recent SEC filings

Data status

When each part of this page on Wintrust Financial Corp was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Wintrust Financial Corp in brief

What does Wintrust Financial Corp do?
Wintrust Financial Corp is a US-listed company in the regional banks industry. Its financial year ends in December.
What is Wintrust Financial Corp's stock ticker?
Wintrust Financial Corp trades under the ticker WTFC on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Wintrust Financial Corp's revenue, and how fast is it growing?
Over its most recent trailing twelve months, Wintrust Financial Corp reported revenue of $2.9B, 11.5% higher than a year earlier, according to its SEC filings.
What is Wintrust Financial Corp's free cash flow?
Wintrust Financial Corp's free-cash-flow margin is 55.1% of revenue over the trailing twelve months.
Who are Wintrust Financial Corp's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., FMR LLC and Vanguard Portfolio Management LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is Wintrust Financial Corp's market cap?
On November 2, 2026, Wintrust Financial Corp's market capitalisation was about $10.7B, with a price-to-earnings ratio of 11.9 and net debt of -$225M. Market figures come from third-party market data and may be delayed.
Does Wintrust Financial Corp pay a dividend?
Yes: Wintrust Financial Corp paid $179M in dividends over the trailing twelve months, a dividend yield of 1.70% and a payout ratio of 19.9%.
Who are Wintrust Financial Corp's competitors?
In our Regional Banks peer group, the companies closest to Wintrust Financial Corp are OLD National Bancorp, UMB Financial Corp, Southstate Bank Corp, Columbia Banking System, Inc. and East West Bancorp Inc. The side-by-side comparison below sets their revenue, margins and growth against Wintrust Financial Corp's.
Are insiders buying or selling Wintrust Financial Corp stock?
Over the last 12 months, Wintrust Financial Corp's directors and officers reported 0 open-market purchases and 14 sales on Form 4. The insider trading page charts every trade.
When is Wintrust Financial Corp's next earnings date?
Around January 19, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Wintrust Financial Corp announces its own schedule.