Wintrust Financial Corporation (WTFC) AI Stock Analysis

Wintrust Financial Corporation operates as a financial holding company founded in 1991 and headquartered in Rosemont, Illinois. The company provides services across three segments: Community Banking, Specialty Finance, and Wealth Management. Community Banking offers deposit products, residential mortgages, consumer lending, asset-based lending, and commercial financing for middle-market businesses, franchise operators, and homeowner associations. Specialty Finance provides commercial and life insurance premium financing, accounts receivable financing, outsourced administration, and data processing services for the temporary staffing industry. Its Wealth Management arm rounds out its services for retail, institutional, and municipal clients.

Between FY2021 and FY2025, revenue expanded from $1.86B to $4.23B, marking a 5-year revenue CAGR of 17.4%. Net income rose steadily over the same period, growing from $466.2M in FY2021 to $823.8M in FY2025, with EPS increasing from $7.64 to $11.72. Operating margin landed at 26.4% in FY2025 with a net margin of 19.5%. In the latest quarter ended June 30, 2026, quarterly revenue grew 10.2% year-over-year while quarterly earnings expanded 18.7%. Over the trailing twelve months, Wintrust generated $2.76B in revenue with an operating margin of 46.1% and a profit margin of 32.6%.

As of June 30, 2026, Wintrust reported $15.02B in cash and short-term investments against total debt of $4.37B, yielding net cash of $10.65B. Total assets stood at $74.67B alongside shareholders' equity of $7.53B, with a debt-to-equity ratio of 0.58 and a current ratio of 0.26. During FY2025, operating cash flow reached $910.3M and free cash flow was $860.4M. Capital expenditures totaled $50.0M, while capital returns included $412.5M in share buybacks and $169.4M in dividends paid.

At $144.08, Wintrust trades at a trailing P/E of 11.6x and a forward P/E of 10.9x, compared to medians of 12.1x and 10.8x for the US-listed Financial Services peer group. The stock carries a price-to-book multiple of 1.4x and a price-to-sales multiple of 3.5x versus 3.2x for peers. Over the past year, the shares gained 21.6%, outperforming the S&P 500 return of 16.8%. Over a 5-year horizon, Wintrust returned 86.4% compared to 83.0% for the index.

Wintrust pays a quarterly dividend with an annualized forward payout of $2.20 per share, representing a 1.53% dividend yield and a 16.9% payout ratio. The company has paid dividends for 27 consecutive years, producing a 5-year annualized dividend growth rate of 12.3%. Its last ex-dividend date was August 6, 2026.

Wall Street coverage includes 6 Strong Buy, 4 Buy, and 6 Hold recommendations, with zero Sell ratings. The mean price target is $176.12, representing 22.2% upside from the close of $144.08. Consensus estimates project current fiscal year EPS of $13.14 on revenue of $2.97B, followed by next fiscal year EPS of $13.91 on revenue of $3.17B based on 15 analysts. The company beat EPS estimates in all 4 of the last 4 quarters, with next earnings scheduled for October 19, 2026.

This page is an AI-written research summary of Wintrust Financial Corporation (WTFC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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