Stock AnalizWintrust Financial Corp. WTFC
Major Banks · data as of November 13, 2026
Wintrust Financial Corp. (WTFC) is a financial company listed in the US with a market value of about $10.5B. In the twelve months to September 30, 2026 it had revenue of $2.9B and net income of $890M, a net margin of 30.4%.
Its overall Stock Analiz score is 3.4 out of 5 (good). The strongest part is value (4/5); the weakest is future growth (3/5).
Key numbers: a P/E of 11.9, a price to free cash flow of 6.1, 5-year revenue growth of 11% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 48% below the current price.
Score: 3.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 5-year EPS growth above 10% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
- Liabilities below 60% of assets
- Share count down over 3 years (buybacks)
- 20% to 100% of free cash flow returned to shareholders
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.9B | $2.7B | $2.5B | $2.3B | $2.0B | $1.7B | $1.6B | $1.5B | $1.3B | $1.2B | $1.0B |
| Net income | $890M | $824M | $695M | $623M | $510M | $466M | $293M | $356M | $343M | $258M | $207M |
| Free cash flow | $1.7B | $860M | $636M | $698M | $1.3B | $1.1B | -$582M | $184M | $309M | $342M | $277M |
| EPS (diluted) | $13.04 | $11.40 | $10.31 | $9.58 | $8.02 | $7.58 | $4.68 | $6.03 | $5.86 | $4.40 | $3.66 |
| Net margin | 30.4% | 30.2% | 28.4% | 27.4% | 26.1% | 27.2% | 17.8% | 24.3% | 26.0% | 22.4% | 19.8% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 16 analysts is $175.12, 13% above the current price; targets range from $160.00 to $195.00; the consensus rating is “Buy”; expected EPS is $13.28 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Wintrust Financial’s P/E ratio?
About 11.9, based on the last twelve months of diluted earnings per share (forward P/E about 11.2).
Is Wintrust Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 48% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Wintrust Financial pay a dividend?
Yes. The dividend yield is about 1.42%, and it has paid dividends for 10 years in our data.
Is Wintrust Financial a good stock to buy?
We do not give buy or sell advice. Wintrust Financial scores 3.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.