Wintrust Financial is a well-run regional bank trading at an attractive forward price-to-earnings of 11.3x with a perfect Piotroski score of 8/9, four consecutive earnings beats, and strong net interest margins of 32% — though limited upside to the analyst target and volume distribution in the stock suggest the near-term price appreciation may already be priced in.
Thesis pillars
- Four Consecutive Earnings Beats↓Deteriorating
- Attractive Bank Valuation→Stable
- Strong Margin Quality Profile→Stable
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 26, 2026· older than 90 days
Wintrust Financial Corporation (WTFC) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $155.57, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).
Wintrust Financial is a $71.1 billion asset bank holding company based in Rosemont, Illinois, operating 16 banking subsidiaries with 209 locations serving the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and west Michigan. Community banking accounts for... Read more
Hold if already holding. Not a fresh buy at $155.57, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 5.8/10, moderate confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.50, earnings proximity 77d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
About Wintrust Financial Corporation
About Wintrust Financial Corporation
Wintrust Financial served the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and west Michigan through 16 banking subsidiaries and 209 locations at December 31, 2025, holding $71.1 billion in total assets. Three reportable segments produced combined net revenues: community banking at 74.7%, specialty finance at 18.4%, and wealth management at 6.9% for the year ended December 31, 2025. All 16 nationally chartered banks are supervised and regularly examined by the Office of the Comptroller of the Currency (OCC).
Community banking generates net interest income and fee revenue from commercial and industrial loans, real estate loans, consumer loans, and a deposit franchise anchored by MaxSafe accounts that spread customer deposits across all 16 bank charters for expanded FDIC coverage. The specialty finance segment runs insurance premium financing nationally through FIRST Insurance Funding (48% commercial P&C) and Wintrust Life Finance (28% life insurance premium finance), along with accounts receivable financing (22%) and equipment leasing (2%). Wintrust Asset Finance carried a $4.5 billion leasing portfolio at December 31, 2025. Wealth management—through WPT, Wintrust Investments, GLA, and CDEC—held approximately $46.5 billion of assets under administration at year-end. Wintrust Mortgage operates retail origination offices, with the largest concentration in Chicago, Minneapolis, Salt Lake City, and Los Angeles, selling originated loans into the secondary market.
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Wintrust's community banking operations are geographically concentrated in the Chicago metropolitan, southern Wisconsin, and west Michigan footprint—the 10-K explicitly notes that, unlike larger national or regional banks, Wintrust provides banking to customers "primarily in the Chicago metropolitan, southern Wisconsin and west Michigan market areas." The State of Illinois has experienced fiscal difficulties in recent years; the 10-K flags that businesses may be encouraged to leave the state or new employers discouraged from locating there, which could weigh on loan demand and deposit growth. Net charge-offs totaled $72.3 million in 2025, down from $94.4 million in 2024, while non-performing loans stood at $185.8 million at December 31, 2025.
See also: Financial Services · Banks - Regional
From Wintrust Financial Corporation's most recent 10-K filing, extracted June 16, 2026.
Recent developments
updated Oct 28, 2026Recent Developments — Wintrust Financial Corporation
Latest news
- NEWS Does Stronger Q3 Earnings Change The Bull Case For Wintrust Financial Stock (WTFC)? - Simply Wall St — Simply Wall St Oct 28, 2026 positive
- NEWS Does Stronger Q3 Earnings Change The Bull Case For Wintrust Financial Stock (WTFC)? - Simply Wall Street — Simply Wall Street Oct 28, 2026 positive
- NEWS Wintrust Financial Corporation 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:WTFC) 2026-10-21 - Seeking Alpha — Seeking Alpha Oct 21, 2026 neutral
- NEWS DA Davidson reiterates Wintrust Financial stock rating at buy - Investing.com — Investing.com Oct 21, 2026 positive
- NEWS Piper Sandler maintains Overweight rating on Wintrust Financial, $186 price target - TradingView — TradingView Oct 21, 2026 positive
Latest item Oct 28, 2026 · Generated 2026-11-05T11:44:09Z.
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Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
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Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $155.57, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Analyst target $157.28 (+1.1%), stop $148.49 (−4.8%), A.R:R 0.1:1. Score 5.8/10, moderate confidence.
Analyst target: $157.28 (+1.1% upside). Analyst target $157.28 (+1.1%), stop $148.49 (−4.8%), A.R:R 0.1:1. Stop-loss: $148.49.
Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).
Wintrust Financial Corporation trades at a P/E of 12.0 (forward 11.0). TrendMatrix value score: 8.1/10. Verdict: Hold.
22 analysts rate WTFC, with a consensus score of 3.9/5. 16 analysts publish price targets averaging $175.
What does Wintrust Financial Corporation do?Wintrust Financial is a $71.1 billion asset bank holding company based in Rosemont, Illinois, operating 16 banking...
Wintrust Financial is a $71.1 billion asset bank holding company based in Rosemont, Illinois, operating 16 banking subsidiaries with 209 locations serving the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and west Michigan. Community banking accounts for ~74.7% of net revenues, specialty finance (national insurance premium financing) contributes 18.4%, and wealth management ($46.5B AUM) adds 6.9%.