Wintrust Financial Corporation demonstrates a consistent growth trajectory, evidenced by total assets expanding from $56.3 billion in 2023Q4 to $72.2 billion in 2026Q1. The firm effectively balances its aggressive geographic expansion into Florida and Wisconsi...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Net interest income grew to $579.0 million in 2026Q1, reflecting a sustained upward trajectory from $464.2 million in 2024Q1 despite broader industry funding headwinds.
Wintrust has demonstrated a history of earnings growth, with a five-year annualized growth rate of 14.6%. In Q1 2026, the company reported record net income, up 20% year-over-year, beating analyst expectations.
The company has seen improvements in its cost-to-income ratio, which fell to 53.45% in Q1 2026 from 55.4% in the trailing period. This indicates efficient management of expenses relative to revenue.
WTFC shares are trading significantly below their discounted cash flow (DCF) fair value, with one estimate placing it at $265.05 compared to a share price around $150.26. This suggests a potential upside of approximately 43.3%.
Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 20, 2026 | $3.30+5.1% vs $3.14 | $739M+0.4% vs $735M |
Q2 2026 Apr 20, 2026 | $3.22+8.8% vs $2.96 | $713M+0.8% vs $707M |
Q1 2026 Feb 26, 2026 | $3.30 vs — | $1.1B vs — |
Q1 2026 Jan 20, 2026 | $3.15+7.5% vs $2.93 | $714M+1.8% vs $702M |
Wintrust Financial Corporation is rated HOLD after reporting modest low single-digit earnings growth for 2Q26. WTFC trades at a 1.7x price/tangible book premium, with a 1.4% dividend yield and no share buybacks, making it less attractive than peers. Bolt-on acquisitions, such as the $1.2B AUM guardianship business from NTRS, and C&I loan growth are key strategic drivers.
Corient Private Wealth LP purchased a new stake in shares of Wintrust Financial Corporation (NASDAQ: WTFC) during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The firm purchased 57,513 shares of the bank's stock, valued at approximately $9,244,000. Corient Private Wealth LP
Bank of New York Mellon Corp bought a new position in shares of Wintrust Financial Corporation (NASDAQ: WTFC) in the second quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor bought 574,854 shares of the bank's stock, valued at approximately $92,391,000. Bank of New
Deutsche Bank AG bought a new stake in Wintrust Financial Corporation (NASDAQ: WTFC) in the undefined quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The institutional investor bought 51,770 shares of the bank's stock, valued at approximately $8,320,000. Deutsche Bank AG owned about 0.08%
Benchmark WTFC against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Wintrust Financial Corporation (WTFC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $144.70 | $9.76B | 12.52 | 11.23% | 19.48% | 12.11% | 1.73% | |
| $35.62 | $733.99M | 10.89 | 4.57% | 22.71% | 14.12% | — | |
| $23.02 | $4.4B | 11.07 | 11.19% | 20.71% | 11.15% | — | |
| $134.21 | $10.2B | 14.70 | 101.23% | 20.67% | 12.17% | — | |
| $76.89 | $4B | 15.11 | 2.08% | 29.27% | 11.78% | — | |
| $131.05 | $7.96B | 14.28 | 9.59% | 18.3% | 10.31% | — |
Wintrust Financial Corporation (WTFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Wintrust Financial Corporation (WTFC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 20, 2026·SEC
May 29, 2026·SEC
Apr 20, 2026·SEC
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Wintrust Financial Corporation (WTFC) stock FAQ — growth, dividends, profitability & financials explained
Wintrust Financial Corporation (WTFC) grew revenue by 11.2% over the past year. This is steady growth.
Yes, Wintrust Financial Corporation (WTFC) is profitable, generating $862.2M in net income for fiscal year 2025 (19.5% net margin).
Yes, Wintrust Financial Corporation (WTFC) pays a dividend with a yield of 1.73%. This makes it attractive for income-focused investors.
Wintrust Financial Corporation (WTFC) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.
Wintrust Financial Corporation (WTFC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Wintrust Financial Corporation (WTFC) has an efficiency ratio of 35.7%. This is excellent, indicating strong cost control.
