Wintrust Financial Corporation (WTFC) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Wintrust Financial Corporation stock $110, price $152, that is 27.3% below the price, quality 50 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $57.72 – $166.90 · fair‑value band $96.52 – $150.43 · the $151.72 price screens above the $110.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management.
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The Community Banking segment offers non-interest-bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine, online and mobile banking, and other services.
This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies.
In addition, it provides loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions.
The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing.
The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
Stock analysis
Wintrust Financial Corporation (WTFC) currently trades at $151.72, while our model-based Fair Value estimate is $110.30, 27% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $125.36 per share, and 1 of the 6 models we run sit above the $151.72 price.
Bear case: the Dividend Discount group reads lowest at $38.13, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $96.52 (bear) to $150.43 (bull), the price of $151.72 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Wintrust Financial Corporation reported revenue of $4.2B in FY2025 versus $1.9B in FY2021, a compound +22.8%/yr. Reported net income was $824M in FY2025, compounding +15.3%/yr from FY2021.
Key figures
Market cap $10.3B Large · P/E ratio 11.6 · P/S ratio 3.67 · EPS (TTM) $13.04 · Dividend yield 1.4% · Net margin 32.8% · Return on equity 12.9% · Return on assets (EBIT) 1.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −27%, WTFC screens cheaper than that median.
Fair Value models
Bear$96.52Fair Value $110.30Bull$150.43
Price $151.72 · Downside -27.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($9.25 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 2 officers or directors sold shares worth $3.3M and none bought.
SaleRichard B MurphyVICE CHAIR,CHIEF LENDING OFC3× since Jan 29, 2026: 14,406 shares, avg. $147.64$2.1MOct 22, 2026
SaleDavid A DykstraVICE CHAIRMAN AND COO2× since Apr 27, 2026: 23,094 shares, avg. $156.98$3.6MAug 13, 2026
SaleSuzet M McKinneyDirector500 shares at $148.96$74,480May 4, 2026
SaleDavid L StoehrCHIEF FINANCIAL OFFICER2× since Jan 29, 2026: 5,519 shares, avg. $148.51$819,613Apr 23, 2026
SaleJeffrey D HahnfeldEVP-CONTROLLER & CHIEF ACC OFF2× since Jan 27, 2026: 844 shares, avg. $145.57$122,860Mar 4, 2026
SaleKathleen M BoegeEVP, CHIEF LEGAL OFC, AND SEC2× since Jan 29, 2026: 10,000 shares, avg. $153.00$1.5MFeb 4, 2026
SaleDavid Eric LeeVICE CHAIR, WINTRUST FINANCIAL558 shares at $147.42$82,260Jan 30, 2026
Plus 27 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.4%
Start year 2020 (pandemic). Over 10 years: +15.7% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+9.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.5%
Dividend (yield on the price)1.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.14.6% vs 15.0%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 26%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−4.6%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−2.4%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −6.9% a year for the price and −4.7% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (93 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: Diversified community banks and specialty finance support steady loan growth, yet thin evidence of lasting advantages leaves margins exposed to rate shifts.
Main risk: Interest rate moves could quickly squeeze margins via higher funding costs across its lending operations.
Wintrust runs community banks alongside specialty finance lines that have fueled steady loan growth and recent earnings beats. With third-quarter results due in days, the real test is whether its Midwest commercial pipelines deliver enough to offset any squeeze from funding costs. Will the diversified model keep delivering or will rate pressures win out?
Compare Wintrust Financial Corporation with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Beats the industry median on 5/15 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−27.3% · Below median
Profitability
Return on equity (12 months)12.9% · Above median
Return on assets1.2% · Above median
Net margin (12 months)32.8% · Above median
Operating margin (12 months)46.9% · Above median
Growth and dividend
Revenue growth (quarter YoY)8.2% · Below median
Dividend yield (12 months)1.4% · Bottom 25%
Balance sheet
Debt / equity0.62× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)11.6× · Pricier than median
P/B1.42× · Pricier than median
P/S (12 months)3.67× · Pricier than median
Price / free cash flow12.0× · Pricier than median
EV/EBITDA11.9× · Pricier than median
PEG1.17× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)41· sector 48
PAST (return on equity)52· sector 43
HEALTH (low debt)69· sector 85
DIVIDEND (yield)28· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Wintrust Financial Corporation (WTFC) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $110.30 versus a price of $151.72, about 27% lower (overvalued).
What is the fair value of WTFC?
Our model-based fair value for Wintrust Financial Corporation is $110.30 (as of Nov 4, 2026), built from audited fundamentals. The current price: $151.72.
What is the quality score of WTFC?
Wintrust Financial Corporation has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Wintrust Financial Corporation (WTFC)?
Our model-based price target is the fair value of $110.30 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario $96.52, optimistic scenario $150.43. It is a calculation from audited fundamentals, not an analyst target.
What is the Wintrust Financial Corporation stock forecast for 2026?
Our models put fair value at $110.30, about 27% lower versus a price of $151.72 (overvalued). Cautious scenario $96.52, optimistic scenario $150.43. The calculation is refreshed regularly with new filings.
What is the revenue of Wintrust Financial Corporation (WTFC)?
Wintrust Financial Corporation reported trailing-twelve-month revenue of about $2.8B (latest available figure, as of Nov 4, 2026).
Does Wintrust Financial Corporation pay a dividend?
Wintrust Financial Corporation currently shows a dividend yield of 1.42% relative to its recent price (as of Nov 4, 2026).
What growth is priced into Wintrust Financial Corporation (WTFC)?
For today's price to be fair in a discounted-cash-flow model, Wintrust Financial Corporation would have to grow free cash flow by -4.6 % per year for five years (discount rate 9.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +17.4 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of WTFC use?
Our models discount Wintrust Financial Corporation at 9.5 %: a base by market capitalisation (mid), damped by beta 0.89, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Wintrust Financial Corporation that is -4.6 % per year a year over ten years, using the same discount rate (9.5 %) and the same formula as our fair value.
How much growth has Wintrust Financial Corporation (WTFC) delivered so far?
Over the past 5 years revenue at Wintrust Financial Corporation grew +17.4 % a year. The price currently implies -4.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Wintrust Financial Corporation (WTFC) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Wintrust Financial Corporation (-4.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Wintrust Financial Corporation (WTFC)?
The free-cash-flow yield on the price is 8.33 %: that much free cash flow Wintrust Financial Corporation produces per unit of market value. When it exceeds the discount rate of our models (9.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Wintrust Financial Corporation (WTFC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Wintrust Financial Corporation it is $110.30 per share (as of Nov 4, 2026), against a price of $151.72. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Wintrust Financial Corporation stock overvalued or undervalued in 2026?
As of Nov 4, 2026, WTFC trades above its calculated fair value: price $151.72, fair value $110.30, a gap of about −27% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WTFC?
No. The price is what the market pays today ($151.72); the fair value is what the company's own numbers justify ($110.30). For Wintrust Financial Corporation the two are $41.42 per share apart. That gap is exactly why we show both numbers side by side.
How much is Wintrust Financial Corporation worth?
The market values Wintrust Financial Corporation at about $10.3B (market capitalisation, as of Nov 4, 2026). Per share that is $151.72; our models calculate a fair value of $110.30 per share.
What do the bullish and bearish scenarios say about WTFC?
Our models span a range for Wintrust Financial Corporation: cautious scenario $96.52, base $110.30, optimistic $150.43 per share (as of Nov 4, 2026, price $151.72). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WTFC?
Wintrust Financial Corporation trades at a price-to-earnings ratio of 11.6 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $110.30 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 5 of the years ex one-offs: 10.5. Other multiples: PEG 1.2, P/B 1.4, P/S 3.7, EV/EBITDA 11.9.
What is the PEG ratio of WTFC?
The PEG ratio of Wintrust Financial Corporation is 1.17 (P/E divided by earnings growth, as of Nov 4, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Wintrust Financial Corporation (WTFC)?
Balance-sheet figures for Wintrust Financial Corporation (as of Nov 4, 2026): return on equity 12.9%, debt of 0.62 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is WTFC from its 52-week high?
Wintrust Financial Corporation trades at $151.72, about 9% below its 52-week high of $166.90 and 24% above the low of $122.56 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of $110.30 is for.
Which stocks are comparable to Wintrust Financial Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Wintrust Financial Corporation stock attractive at the current price?
The data as of Nov 4, 2026: price $151.72, calculated fair value $110.30 (−27%), Quality Score 50/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WTFC calculated?
We run Wintrust Financial Corporation through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $110.30, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Wintrust Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Wintrust Financial Corporation (WTFC)?
The closing price on Nov 5, 2026 was $151.72. Our model-based fair value is $110.30, about 27% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Wintrust Financial Corporation right now?
Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Wintrust Financial Corporation (WTFC) come from?
Earnings per share at Wintrust Financial Corporation grew +14.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +13.0 %, EBIT margin −4.1 %, tax rate +1.9 %, residual (interest, one-offs) +3.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Wintrust Financial Corporation
How large is the market capitalisation of Wintrust Financial Corporation (WTFC)?
The market capitalisation of Wintrust Financial Corporation is $10.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Wintrust Financial Corporation (WTFC)?
The price-to-sales ratio of Wintrust Financial Corporation is 3.67 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Wintrust Financial Corporation (WTFC)?
Earnings per share at Wintrust Financial Corporation are $13.04 (price ÷ EPS = P/E 11.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Wintrust Financial Corporation (WTFC)?
The dividend yield of Wintrust Financial Corporation is 1.4% (payout 16.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Wintrust Financial Corporation (WTFC)?
The net margin of Wintrust Financial Corporation is 32.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Wintrust Financial Corporation (WTFC)?
The return on equity (ROE) of Wintrust Financial Corporation is 12.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Wintrust Financial Corporation (WTFC)?
On an EBIT basis the return on assets of Wintrust Financial Corporation is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Wintrust Financial Corporation (WTFC)?
The operating margin of Wintrust Financial Corporation is 46.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Wintrust Financial Corporation (WTFC)?
Revenue at Wintrust Financial Corporation is growing +8.2% versus a year earlier (3y avg +24.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Wintrust Financial Corporation (WTFC)?
Earnings per share at Wintrust Financial Corporation are growing +21.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Wintrust Financial Corporation (WTFC) carry?
The net debt of Wintrust Financial Corporation is $4.0B (fiscal year 2025, ≈ 4.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 4, 2026