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WTFCWintrust Financial Corporation
$161.45$10.9B
Overview & Verdict
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WTFC logoWintrust Financial Corporation(WTFC)Earnings, Financials & Key Ratios

WTFC•NASDAQ•Banking & Credit
$161.45
14.0× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustrySpecialty finance and niche lenders
AboutWintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. 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 (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers 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. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. 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; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 173 banking facilities and 228 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.Show more
  • Net Interest Income$2.22B+13.3%
  • Total Revenue$4.23B+6.7%
  • Net Income$824M+18.5%
  • Return on Equity12.11%+2.3%
  • Net Interest Margin3.13%+3.3%
  • Efficiency Ratio35.75%+1.1%
  • ROA1.21%+5.6%
  • Equity / Assets10.2%+4.3%
  • Book Value per Share107.30+9.4%

WTFC Price & Volume

Wintrust Financial Corporation (WTFC) stock price & volume — 10-year historical chart

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Wintrust Leverages Organic Growth Amidst Margin Resilience

Investment Thesis • Updated 2026Q1

VerdictPositive: The company exhibits a compelling valuation profile with a PEG ratio of 0.70
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Deposit cost sensitivity

Key Thesis Takeaways

  • Wintrust Financial Corporation demonstrates a consistent growth trajectory, evidenced by total assets expanding from $56.3 billion in 2023Q4 to $72.2 billion in 2026Q1.
  • The firm effectively balances its aggressive geographic expansion into Florida and Wisconsin with disciplined cost management, maintaining an efficiency ratio of 36.0% as of 2026Q1.
  • Investors should monitor the bank's sensitivity to deposit funding costs and the potential credit risks associated with its concentrated exposure to the Chicago middle-market.

Verdict Logic

suggesting that its consistent earnings growth, which reached $227.4 million in 2026Q1, may not be fully reflected in the current share price.

WTFC Growth Metrics

Wintrust Financial Corporation (WTFC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15.69%
5 Years17.39%
3 Years24.19%
TTM-

Profit CAGR

10 Years18.05%
5 Years22.97%
3 Years17.36%
TTM23.74%

EPS CAGR

10 Years14.71%
5 Years19.82%
3 Years12.96%
TTM19.58%

Return on Capital

10 Years9%
5 Years8.65%
3 Years8.36%
Last Year6.38%

WTFC Recent Earnings

Wintrust Financial Corporation (WTFC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 7/12 qtrs (64%)
Q2 2026Latest
Apr 20, 2026
Metric
Actual
Est
EPS
$3.22+8.8%
$2.96
Rev
$713M+0.8%
$707M
Q1 2026
Feb 26, 2026
Metric
Actual
Est
EPS
$3.30
—
Rev
$1.1B
—
Q1 2026
Jan 20, 2026
Metric
Actual
Est
EPS
$3.15+7.5%
$2.93
Rev
$714M+1.8%
$702M
Q4 2025
Oct 20, 2025
Metric
Actual
Est
EPS
$3.06+16.3%
$2.63
Rev
$698M+1.2%
$689M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 20, 2026
$3.22vs $2.96+8.8%
$713Mvs $707M+0.8%
Q1 2026Feb 26, 2026
$3.30
$1.1B
Q1 2026Jan 20, 2026
$3.15vs $2.93+7.5%
$714Mvs $702M+1.8%
Q4 2025Oct 20, 2025
$3.06vs $2.63+16.3%
$698Mvs $689M+1.2%
Based on last 12 quarters of dataView full earnings history →

Latest WTFC News

Recent stock market news and headlines for Wintrust Financial Corporation (WTFC)

Zacks Investment Research·17h ago
NTRS to Exit Guardianship Business With WTFC Deal in Strategic Pivot

Northern Trust agrees to sell its guardianship services unit to Wintrust, streamlining operations and sharpening focus on core wealth and asset management businesses.

247 Wallst·23h ago
Here Are Tuesday’s Best Wall Street Analyst Research Calls: Adobe, American Airlines, Broadcom, First Solar, Meta Platforms, Shopify, Space-X, Ventas, Waste Managment, and More

Pre-Market Stock Futures: Futures are trading mixed, with the Nasdaq getting hammered after a gangbuster start to the first full trading week of the third quarter. All of the major indices finished the day higher, with chip stocks once again leading the way. When the dust settled at the close, the Nasdaq finished the day... Here Are Tuesday's Best Wall Street Analyst Research Calls: Adobe, American Airlines, Broadcom, First Solar, Meta Platforms, Shopify, Space-X, Ventas, Waste Managment, and More

GlobeNewsWire·1 day ago
Wintrust to purchase Northern Trust guardianship services business

CHICAGO, July 06, 2026 (GLOBE NEWSWIRE) -- Northern Trust Corporation (NASDAQ: NTRS) and Wintrust Financial Corporation (NASDAQ: WTFC) today announced that Wintrust Private Trust Company, N.A., has entered into an agreement to purchase the guardianship services business of Northern Trust. The transaction is expected to close later this year. Terms of the transaction were not disclosed.

GlobeNewsWire·Jun 30, 2026
Wintrust Financial Corporation Announces Second Quarter and Year-to-Date 2026 Earnings Release Schedule

ROSEMONT, Ill., June 30, 2026 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation ("Wintrust") (Nasdaq: WTFC) today announced it will release second quarter and year-to-date 2026 earnings results after the market closes on Monday, July 20, 2026, and host a conference call on Tuesday, July 21, 2026, at 10:00 a.m. CDT.

Zacks Investment Research·Jun 26, 2026
Wintrust Financial Corporation (WTFC) Hits Fresh High: Is There Still Room to Run?

Wintrust (WTFC) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

Peers Comparison

Key metrics vs top competitors for Wintrust Financial Corporation (WTFC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
WTFC logoWTFCWintrust Financial CorporationCurrent
$161.45$10.89B13.976.66%19.48%12.11%1.55%
IBCP logoIBCPIndependent Bank Corporation
$35.76$736.88M10.94-0.3%22.54%14.15%—
FULT logoFULTFulton Financial Corporation
$24.23$4.63B11.655.03%20.93%11.45%—
UMBF logoUMBFUMB Financial Corporation
$146.01$11.12B15.9968.52%19.79%11.67%—
WSFS logoWSFSWSFS Financial Corporation
$76.24$3.97B14.98-3.05%22.64%11.38%—
BOKF logoBOKFBOK Financial Corporation
$140.43$8.53B15.30-1.07%18.3%10.31%—

Compare WTFC vs Peers

Wintrust Financial Corporation (WTFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IBCP

Most directly comparable listed peer for WTFC.

Scale Benchmark

vs MCO

Larger-name benchmark to compare WTFC against a more recognizable public peer.

Peer Set

Compare Top 5

vs IBCP, FULT, UMBF, WSFS

WTFC SEC Filings & Documents

Wintrust Financial Corporation (WTFC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 29, 2026·SEC

Material company update

Apr 20, 2026·SEC

Material company update

Jan 20, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

May 6, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 6, 2025·SEC

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WTFC Frequently Asked Questions

Wintrust Financial Corporation (WTFC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Wintrust Financial Corporation growing?

Wintrust Financial Corporation (WTFC) grew revenue by 6.7% over the past year. This is steady growth.

Is WTFC profitable?

Yes, Wintrust Financial Corporation (WTFC) is profitable, generating $862.2M in net income for fiscal year 2025 (19.5% net margin).

Dividend & Returns
Does WTFC pay dividends?

Yes, Wintrust Financial Corporation (WTFC) pays a dividend with a yield of 1.55%. This makes it attractive for income-focused investors.

What is WTFC's return on equity?

Wintrust Financial Corporation (WTFC) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.

Industry Metrics
What is Wintrust Financial Corporation's net interest margin?

Wintrust Financial Corporation (WTFC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

What is Wintrust Financial Corporation's efficiency ratio?

Wintrust Financial Corporation (WTFC) has an efficiency ratio of 35.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in WTFC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →