Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Wintrust Financial Corporation's quarterly P/E stands at 10.6x, down 10.6% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 60.9% YoY to 11.1x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.08 | 10.59 | 11.87 | 11.15 | 10.45 | 11.85 | 10.98 | 10.62 | 9.03 | 12.40 | 7.46 | 7.63 | 6.51 |
| — | -10.6% | +8.0% | +5.0% | +15.7% | -4.4% | +47.2% | +39.2% | +38.6% | +30.9% | -19.1% | -43.3% | -42.0% | |
| P/S Ratio | 2.39 | 2.18 | 2.05 | 2.01 | 1.90 | 2.06 | 1.75 | 1.59 | 1.72 | 1.62 | 1.34 | 1.39 | 1.51 |
| — | +5.8% | +16.9% | +26.0% | +10.1% | +27.1% | +30.5% | +14.5% | +14.1% | -16.2% | -39.3% | -44.0% | -45.1% | |
| P/B Ratio | 1.41 | 1.30 | 1.27 | 1.16 | 1.15 | 1.33 | 1.12 | 1.12 | 1.20 | 1.07 | 0.94 | 0.89 | 0.90 |
| — | -2.1% | +13.7% | +3.9% | -3.8% | +24.2% | +19.5% | +24.9% | +33.3% | -1.7% | -13.6% | -10.3% | -25.1% | |
| P/FCF | 11.12 | 9.49 | 10.32 | 6.51 | 14.97 | 4.48 | — | 8.49 | 26.91 | 6.27 | 17.17 | 3.32 | 19.01 |
| — | +111.7% | — | -23.3% | -44.4% | -28.5% | — | +155.8% | +41.5% | +45.8% | +197.8% | -1.5% | +534.7% | |
| EV / EBITDA | 11.71 | 11.14 | 7.13 | 6.25 | 6.18 | 6.93 | 6.92 | 7.74 | 7.32 | 9.26 | 5.44 | 5.73 | 5.80 |
| — | +60.9% | +3.0% | -19.3% | -15.6% | -25.2% | +27.3% | +35.2% | +26.1% | +23.9% | +18.8% | +6.1% | +38.1% | |
| EV / EBIT | 12.64 | 11.14 | 7.82 | 6.98 | 6.90 | 7.73 | 7.68 | 8.61 | 7.95 | 10.50 | 6.10 | 6.17 | 6.25 |
| — | +44.2% | +1.7% | -18.9% | -13.2% | -26.4% | +25.9% | +39.7% | +27.1% | +29.1% | +21.6% | -1.3% | +30.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Wintrust Financial Corporation's operating margin was 27.8% in Q4 2025, up 0.8 pp QoQ and up 3.2 pp YoY. This marks the 7th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 26.4% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 62.2% | 63.2% | 61.8% | 62.1% | 61.7% | 60.5% | 58.1% | 56.8% | 61.6% | 59.0% | 63.4% | 65.7% | 72.6% |
| — | +4.4% | +6.3% | +9.2% | +0.1% | +2.6% | -8.4% | -13.5% | -15.1% | -21.0% | -27.4% | -25.8% | -22.1% | |
| Operating Margin | 26.4% | 27.8% | 27.0% | 25.6% | 25.2% | 24.6% | 22.8% | 21.8% | 26.4% | 18.5% | 25.7% | 26.1% | 32.6% |
| — | +12.9% | +18.7% | +17.4% | -4.6% | +33.4% | -11.4% | -16.6% | -18.9% | -35.9% | -27.0% | -5.9% | -7.9% | |
| Net Margin | 19.5% | 20.5% | 19.8% | 18.7% | 18.8% | 18.0% | 16.6% | 15.7% | 19.8% | 13.8% | 18.8% | 19.1% | 24.1% |
| — | +13.7% | +18.7% | +19.2% | -4.9% | +30.8% | -11.3% | -17.8% | -17.9% | -35.5% | -25.4% | -4.0% | -7.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 3.1% | 3.0% | 2.8% | 2.9% | 2.9% | 2.8% | 2.8% | 3.5% | 2.4% | 3.3% | 3.1% | 3.7% |
| — | +7.2% | +6.4% | +1.8% | -15.5% | +22.7% | -12.8% | -9.7% | -5.9% | -22.8% | +7.0% | +50.1% | +29.6% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% |
| — | +10.0% | +13.4% | +11.7% | -12.1% | +30.4% | -8.0% | -10.1% | -3.4% | -19.7% | +8.1% | +54.7% | +34.2% | |
| ROIC | 7.5% | 2.0% | 1.9% | 1.8% | 1.8% | 1.8% | 1.7% | 1.6% | 2.0% | 1.4% | 2.0% | 1.9% | 2.1% |
| — | +10.5% | +14.8% | +8.7% | -12.8% | +27.2% | -14.3% | -11.6% | -5.4% | -21.3% | -0.4% | +31.8% | +14.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Wintrust Financial Corporation's Debt/EBITDA ratio is 14.8x, up from 13.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 17.3% YoY to 0.14x, tightening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.62 | 0.62 | 0.61 | 0.60 | 0.64 | 0.67 | 0.68 | 0.78 | 0.73 | 0.68 | 0.73 | 0.67 | 0.72 |
| — | -7.6% | -11.0% | -23.5% | -11.6% | -1.5% | -6.5% | +16.7% | +1.3% | -9.7% | -2.0% | +35.6% | +33.2% | |
| Debt / EBITDA | 3.71 | 14.83 | 13.19 | 14.53 | 14.98 | 15.01 | 16.91 | 18.44 | 14.53 | 19.55 | 14.50 | 14.86 | 13.69 |
| — | -1.2% | -22.0% | -21.2% | +3.1% | -23.2% | +16.6% | +24.1% | +6.2% | +15.3% | -7.8% | -3.3% | +12.4% | |
| Current Ratio | 0.14 | 0.14 | 0.18 | 0.18 | 0.17 | 0.17 | 0.17 | 0.15 | 0.14 | 0.14 | 0.13 | 0.13 | 0.14 |
| — | -17.3% | +5.7% | +18.8% | +24.9% | +21.4% | +24.9% | +17.8% | +2.4% | -4.1% | -17.2% | -12.2% | -23.5% | |
| Quick Ratio | 0.14 | 0.14 | 0.18 | 0.18 | 0.17 | 0.17 | 0.17 | 0.15 | 0.14 | 0.14 | 0.13 | 0.13 | 0.14 |
| — | -17.3% | +5.7% | +18.8% | +24.9% | +21.4% | +24.9% | +17.8% | +2.4% | -4.1% | -17.2% | -12.2% | -23.5% | |
| Interest Coverage | 0.74 | 0.81 | 0.75 | 0.71 | 0.70 | 0.65 | 0.57 | 0.56 | 0.73 | 0.51 | 0.75 | 0.85 | 1.34 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Wintrust Financial Corporation's current P/E is 13.1x. The average P/E over the last 4 quarters is 11.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Wintrust Financial Corporation's current operating margin is 26.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Wintrust Financial Corporation's business trajectory between earnings reports.