Wintrust Financial (WTFC) Stock Price, News & Analysis

Company Overview

Wintrust 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; 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; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty premium financing; as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides wealth management services, such as trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

Key Stats

• Today's Range: $123.67 to $129.57
• 50-Day Range: $122.72 to $136.92
• 52-Week Range: $91.38 to $142.04
• Volume: 299,137 shs
• Average Volume: 390,806 shs
• Market Capitalization: $8.23 billion
• P/E Ratio: 12.01
• Dividend Yield: 1.62%
• Price Target: $133.69
• Consensus Rating: Buy

Wintrust Financial Stock Analysis - MarketRank™

Wintrust Financial scored higher than 95% of companies evaluated by MarketBeat, and ranked 75th out of 930 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Buy

Consensus Rating

Wintrust Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 9 buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Wintrust Financial has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 4.92%

Earnings Growth

Earnings for Wintrust Financial are expected to grow by 4.92% in the coming year, from $10.36 to $10.87 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Wintrust Financial is 12.01, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of Wintrust Financial is 12.01, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.20.

Price to Book Value per Share Ratio

Wintrust Financial has a P/B Ratio of 1.39. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.97% of the outstanding shares of Wintrust Financial have been sold short.

Short Interest Ratio / Days to Cover

Wintrust Financial has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Wintrust Financial has recently increased by 35.11%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Wintrust Financial pays a meaningful dividend of 1.55%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Wintrust Financial has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of Wintrust Financial is 19.40%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Wintrust Financial will have a dividend payout ratio of 18.40% next year. This indicates that Wintrust Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.4 / 5
• Environmental Score: -0.46

Percentage of Shares Shorted

1.97% of the outstanding shares of Wintrust Financial have been sold short.

Short Interest Ratio / Days to Cover

Wintrust Financial has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Wintrust Financial has recently increased by 35.11%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 0.98

News Sentiment

Wintrust Financial has a news sentiment score of 0.98. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 11 news articles for Wintrust Financial this week, compared to 7 articles on an average week.

Search Interest

3 people have searched for WTFC on MarketBeat in the last 30 days. This is an increase of 200% compared to the previous 30 days.

MarketBeat Follows

Only 3 people have added Wintrust Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -40% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Wintrust Financial insiders have sold 12,636.51% more of their company's stock than they have bought. Specifically, they have bought $10,492.00 in company stock and sold $1,336,315.00 in company stock.

Percentage Held by Insiders

Only 1.47% of the stock of Wintrust Financial is held by insiders.

Percentage Held by Institutions

93.48% of the stock of Wintrust Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

WTFC Stock Analysis - Frequently Asked Questions

How have WTFC shares performed this year?

Wintrust Financial's stock was trading at $124.71 at the start of the year. Since then, WTFC shares have decreased by 0.7% and is now trading at $123.80.
View the best growth stocks for 2025 here.

How were Wintrust Financial's earnings last quarter?

Wintrust Financial Co. (NASDAQ:WTFC) posted its quarterly earnings results on Tuesday, January, 21st. The bank reported $2.63 EPS for the quarter, beating the consensus estimate of $2.52 by $0.11. Wintrust Financial had a net margin of 17.52% and a trailing twelve-month return on equity of 12.60%.

Does Wintrust Financial have any subsidiaries?

Wintrust Financial subsidiaries include First Community Bank, Barrington Bank & Trust Company N.A., Beverly Bank & Trust Company N.A., Chicago Deferred Exchange Company LLC, Community Financial Shares Statutory Trust II, Crystal Lake Bank & Trust Company N.A., Elektra Holding Company LLC, and others.

Who are Wintrust Financial's major shareholders?

Top institutional investors of Wintrust Financial include Vanguard Group Inc. (10.39%), FMR LLC (7.52%), Dimensional Fund Advisors LP (4.46%) and Earnest Partners LLC (1.98%). Insiders that own company stock include David A Dykstra, Richard B Murphy, H Patrick Hackett Jr, Timothy Crane, David L Stoehr, Edward J Wehmer and Jeffrey D Hahnfeld.
View institutional ownership trends.

How do I buy shares of Wintrust Financial?

Shares of WTFC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Wintrust Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Wintrust Financial investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), TotalEnergies (TTE), The RMR Group (RMR) and Southern First Bancshares (SFST).

Company Calendar

• Last Earnings: 1/21/2025
• Ex-Dividend for 2/20 Dividend: 2/06/2025
• Dividend Payable: 2/20/2025
• Today: 2/22/2025
• Next Earnings (Estimated): 4/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:WTFC
• CUSIP: 97650W10
• CIK: 1015328
• Web: www.wintrust.com
• Phone: (847) 939-9000
• Fax: 847-615-4091
• Employees: 5,521
• Year Founded: 1991

Price Target and Rating

• Average Stock Price Target: $133.69
• High Stock Price Target: $157.00
• Low Stock Price Target: $100.00
• Potential Upside/Downside: +8.0%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 13 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $10.31
• Trailing P/E Ratio: 12.01
• Forward P/E Ratio: 11.95
• P/E Growth: N/A
• Net Income: $695.04 million
• Net Margins: 17.52%
• Pretax Margin: 23.88%
• Return on Equity: 12.60%
• Return on Assets: 1.13%

Debt

• Debt-to-Equity Ratio: 0.71
• Current Ratio: 1.01
• Quick Ratio: 1.00

Sales & Book Value

• Annual Sales: $3.97 billion
• Price / Sales: 2.08
• Cash Flow: $10.22 per share
• Price / Cash Flow: 12.11
• Book Value: $89.21 per share
• Price / Book: 1.39

Miscellaneous

• Outstanding Shares: 66,490,000
• Free Float: 65,515,000
• Market Cap: $8.23 billion
• Optionable: Optionable
• Beta: 1.19