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↑Improving
- Attractive Bank Valuation→Stable
- Strong Margin Quality Profile↓Deteriorating
- +1 more pillar — see the Why tab for full reasoning
Wintrust Financial Corporation (WTFC) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $158.66, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum.
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 $158.66, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news boost analyst 0.80, earnings proximity 86d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and 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 2026-07-26Recent Developments — Wintrust Financial Corporation
Latest news
- NEWS Universal Beteiligungs und Servicegesellschaft mbH Lowers Stock Position in Wintrust Financial Corporation $WTFC - Marke — MarketBeat neutral
- NEWS Wintrust (WTFC) Economic Sensitivity | Q4 2025: Profit Exceeds Views - Expert Stock Picks - Cổng thông tin điện tử tỉnh — Cổng thông tin điện tử tỉnh Tây Ninh positive
- NEWS Wintrust Financial (NASDAQ:WTFC) Price Target Raised to $182.00 - MarketBeat — MarketBeat positive
- NEWS Wintrust (WTFC) Economic Sensitivity | Q4 2025: Profit Exceeds Views - Expert Stock Picks - UBND thành phố Hải Phòng — UBND thành phố Hải Phòng positive
- NEWS Royal Bank Of Canada Forecasts Strong Price Appreciation for Wintrust Financial (NASDAQ:WTFC) Stock - MarketBeat — MarketBeat positive
Generated 2026-07-26T08:02:05Z.
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Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $158.66, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $163.88 (+3.3%), stop $151.72 (−4.6%), A.R:R -0.3:1. Score 6.1/10, moderate confidence.
Take-profit target: $163.88 (-1.3% upside). Target $163.88 (+3.3%), stop $151.72 (−4.6%), A.R:R -0.3:1. Stop-loss: $151.72.
Analyst target reached - limited upside remaining; Negative momentum.
Wintrust Financial Corporation trades at a P/E of 12.7 (forward 11.5). TrendMatrix value score: 7.7/10. Verdict: Hold.
19 analysts cover WTFC with a consensus score of 4.0/5. Average price target: $180.
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%.