Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.20 | 10.52 | 12.18 | 10.79 | 10.59 | 11.87 | 11.15 | 10.45 | 11.85 | 10.98 | 10.62 | 9.03 | 12.40 | 7.46 | 7.63 | 6.51 | 9.48 | 9.23 | 13.45 | 11.22 | 14.37 |
| — | -11.3% | +9.2% | +3.2% | -10.6% | +8.0% | +5.0% | +15.7% | -4.4% | +47.2% | +39.2% | +38.6% | +30.9% | -19.1% | -43.3% | -42.0% | -34.1% | -18.7% | +20.9% | +50.4% | +53.4% | |
| P/S Ratio | 3.49 | 3.20 | 3.70 | 3.32 | 3.31 | 3.21 | 3.13 | 2.96 | 3.31 | 2.91 | 2.61 | 2.69 | 2.53 | 2.04 | 2.01 | 1.99 | 2.36 | 2.50 | 2.67 | 2.92 | 3.07 |
| — | -0.3% | +18.5% | +12.1% | +0.1% | +10.5% | +19.6% | +9.8% | +30.4% | +42.3% | +30.0% | +35.2% | +7.3% | -18.2% | -24.8% | -31.7% | -23.0% | -8.8% | +0.1% | +19.7% | +44.8% | |
| P/B Ratio | 1.41 | 1.33 | 1.45 | 1.28 | 1.30 | 1.27 | 1.16 | 1.15 | 1.33 | 1.12 | 1.12 | 1.20 | 1.07 | 0.94 | 0.89 | 0.90 | 1.09 | 1.08 | 1.00 | 1.20 | 1.17 |
| — | +4.6% | +25.3% | +11.3% | -2.1% | +13.7% | +3.9% | -3.8% | +24.2% | +19.5% | +24.9% | +33.3% | -1.7% | -13.6% | -10.3% | -25.1% | -6.9% | +2.9% | -0.9% | +17.0% | +36.3% | |
| P/FCF | 5.97 | 7.36 | 11.50 | 2.59 | 10.34 | 10.32 | 6.51 | 14.97 | 4.48 | — | 8.49 | 26.91 | 6.27 | 17.17 | 3.32 | 19.01 | 4.30 | 5.77 | 3.37 | 3.00 | 3.60 |
| — | -28.7% | +76.6% | -82.7% | +130.8% | — | -23.3% | -44.4% | -28.5% | — | +155.8% | +41.5% | +45.8% | +197.8% | -1.5% | +534.7% | +19.7% | -64.8% | +31.0% | -41.7% | — | |
| EV / EBITDA | 10.56 | 7.56 | 7.80 | 7.71 | 10.14 | 7.13 | 6.25 | 6.18 | 6.93 | 6.92 | 7.74 | 7.32 | 9.26 | 5.44 | 5.73 | 5.80 | 7.47 | 4.57 | 5.40 | 4.20 | 2.92 |
| — | +6.0% | +24.8% | +24.8% | +46.4% | +3.0% | -19.3% | -15.6% | -25.2% | +27.3% | +35.2% | +26.1% | +23.9% | +18.8% | +6.1% | +38.1% | +155.9% | +129.7% | +117.0% | +28.7% | +119.7% | |
| EV / EBIT | 12.71 | 7.56 | 8.50 | 8.48 | 11.14 | 7.82 | 6.98 | 6.90 | 7.73 | 7.68 | 8.61 | 7.95 | 10.50 | 6.10 | 6.17 | 6.25 | 8.14 | 5.02 | 6.25 | 4.80 | 3.48 |
| — | -3.3% | +21.6% | +22.9% | +44.2% | +1.7% | -18.9% | -13.2% | -26.4% | +25.9% | +39.7% | +27.1% | +29.1% | +21.6% | -1.3% | +30.3% | +133.6% | +117.4% | +112.8% | +30.7% | +121.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.5% | 96.6% | 96.9% | 95.9% | 96.1% | 96.9% | 96.7% | 96.3% | 97.3% | 96.4% | 93.2% | 96.4% | 92.5% | 96.5% | 94.9% | 95.9% | 91.4% | 98.7% | 95.4% | 99.1% | 97.8% |
| — | -0.3% | +0.2% | -0.4% | -1.2% | +0.5% | +3.7% | -0.1% | +5.3% | -0.2% | -1.8% | +0.5% | +1.2% | -2.2% | -0.5% | -3.2% | -6.6% | -3.1% | -8.1% | -10.0% | -1.9% | |
| Operating Margin | 41.0% | 43.1% | 44.4% | 42.2% | 42.3% | 42.4% | 39.8% | 39.3% | 39.6% | 37.8% | 35.7% | 41.3% | 28.9% | 39.1% | 37.7% | 43.0% | 35.3% | 39.8% | 29.9% | 37.6% | 32.0% |
| — | +1.5% | +11.6% | +7.2% | +6.8% | +12.2% | +11.5% | -4.8% | +36.9% | -3.4% | -5.3% | -4.0% | -18.0% | -1.7% | +26.3% | +14.5% | +10.4% | +12.6% | -15.3% | -18.7% | -1.1% | |
| Net Margin | 30.2% | 31.5% | 31.6% | 31.9% | 31.2% | 31.0% | 29.1% | 29.4% | 29.0% | 27.6% | 25.8% | 31.0% | 21.6% | 28.6% | 27.6% | 31.9% | 26.2% | 28.4% | 21.4% | 27.6% | 23.0% |
| — | +1.8% | +8.5% | +8.5% | +7.6% | +12.2% | +13.2% | -5.1% | +34.2% | -3.3% | -6.7% | -2.7% | -17.4% | +0.5% | +28.7% | +15.5% | +13.7% | +10.4% | -16.6% | -19.4% | -5.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 3.2% | 3.1% | 3.1% | 3.1% | 3.0% | 2.8% | 2.9% | 2.9% | 2.8% | 2.8% | 3.5% | 2.4% | 3.3% | 3.1% | 3.7% | 3.1% | 3.1% | 2.1% | 2.8% | 2.2% |
| — | +6.5% | +10.9% | +6.4% | +7.2% | +6.4% | +1.8% | -15.5% | +22.7% | -12.8% | -9.7% | -5.9% | -22.8% | +7.0% | +50.1% | +29.6% | +38.5% | +22.4% | -16.2% | -22.6% | -10.3% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% |
| — | +1.7% | +9.8% | +9.8% | +10.0% | +13.4% | +11.7% | -12.1% | +30.4% | -8.0% | -10.1% | -3.4% | -19.7% | +8.1% | +54.7% | +34.2% | +36.4% | +19.8% | -17.9% | -24.8% | -11.5% | |
| ROIC | 7.5% | 2.1% | 2.1% | 1.9% | 2.0% | 1.9% | 1.8% | 1.8% | 1.8% | 1.7% | 1.6% | 2.0% | 1.4% | 2.0% | 1.9% | 2.1% | 1.8% | 2.0% | 1.4% | 1.9% | 1.5% |
| — | +7.1% | +16.4% | +8.5% | +10.5% | +14.8% | +8.7% | -12.8% | +27.2% | -14.3% | -11.6% | -5.4% | -21.3% | -0.4% | +31.8% | +14.0% | +18.9% | +20.3% | -11.7% | -19.5% | -3.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.62 | 0.60 | 0.58 | 0.59 | 0.62 | 0.61 | 0.60 | 0.64 | 0.67 | 0.68 | 0.78 | 0.73 | 0.68 | 0.73 | 0.67 | 0.72 | 0.75 | 0.74 | 0.49 | 0.54 | 0.54 |
| — | -1.6% | -3.0% | -8.2% | -7.6% | -11.0% | -23.5% | -11.6% | -1.5% | -6.5% | +16.7% | +1.3% | -9.7% | -2.0% | +35.6% | +33.2% | +39.3% | +34.8% | -12.9% | -6.6% | -8.9% | |
| Debt / EBITDA | 3.62 | 13.36 | 12.24 | 13.13 | 13.49 | 13.19 | 14.53 | 14.98 | 15.01 | 16.91 | 18.44 | 14.53 | 19.55 | 14.50 | 14.86 | 13.69 | 16.96 | 15.73 | 15.36 | 12.18 | 14.84 |
| — | +1.2% | -15.7% | -12.4% | -10.1% | -22.0% | -21.2% | +3.1% | -23.2% | +16.6% | +24.1% | +6.2% | +15.3% | -7.8% | -3.3% | +12.4% | +14.3% | +12.1% | +6.0% | +15.6% | -2.7% | |
| Current Ratio | 0.14 | 0.26 | 0.26 | 0.27 | 0.14 | 0.18 | 0.18 | 0.17 | 0.17 | 0.17 | 0.15 | 0.14 | 0.14 | 0.13 | 0.13 | 0.14 | 0.14 | 0.16 | 0.15 | 0.18 | 0.18 |
| — | +47.1% | +44.5% | +57.1% | -17.3% | +5.7% | +18.8% | +24.9% | +21.4% | +24.9% | +17.8% | +2.4% | -4.1% | -17.2% | -12.2% | -23.5% | -21.1% | -20.3% | -21.5% | +8.1% | -14.2% | |
| Quick Ratio | 0.14 | 0.26 | 0.26 | 0.27 | 0.14 | 0.18 | 0.18 | 0.17 | 0.17 | 0.17 | 0.15 | 0.14 | 0.14 | 0.13 | 0.13 | 0.14 | 0.14 | 0.16 | 0.15 | 0.18 | 0.18 |
| — | +47.1% | +44.5% | +57.1% | -17.3% | +5.7% | +18.8% | +24.9% | +21.4% | +24.9% | +17.8% | +2.4% | -4.1% | -17.2% | -12.2% | -23.5% | -21.1% | -20.3% | -21.5% | +8.1% | -14.2% | |
| Interest Coverage | 0.74 | 0.86 | 0.90 | 0.86 | 0.81 | 0.75 | 0.71 | 0.70 | 0.65 | 0.57 | 0.56 | 0.73 | 0.51 | 0.75 | 0.85 | 1.34 | 1.57 | 3.08 | 3.85 | 6.00 | 4.28 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying WTFC stock.
Wintrust Financial Corporation's current P/E is 11.2x. 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 41.0%. 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.