Is Wintrust Financial Corporation (WTFC) Overvalued?
We dive into why Wintrust Financial Corporation (WTFC) could be considered overvalued on 2026-07-23, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
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. 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.
Commentary & Analysis
What You Need to Know About Wintrust Financial Corporation's Q3 Earnings
Wintrust Financial Corporation's fiscal Q3 earnings report was released on Monday, July 20. Let's dive in to see if (WTFC) missed or beat analyst's expectations.Michael Rose
What You Need to Know About Wintrust Financial Corporation's Q2 Earnings
Wintrust Financial Corporation's fiscal Q2 earnings report was released on Monday, April 20. Let's dive in to see if (WTFC) missed or beat analyst's expectations.Jenna Brashear
Which Is a Better Investment, Northwest Bancshares, Inc. or Wintrust Financial Corporation Stock?
Learn more about whether Northwest Bancshares, Inc. or Wintrust Financial Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Tudor Pop
Why Wintrust Financial Corporation’s (WTFC) Stock Is Down 5.20%
As of Friday, February 27, Wintrust Financial Corporation’s WTFC share price has dipped by 5.20%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Financial Summary
| Share Statistics | WTFC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $10,296.0 | $751.0 | 78% |
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| Shares Out (Mil) | 68.3 | 15.4 | 54% |
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| Institutional Ownership | 98.6% | 83.2% | 80% |
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| Float (Mil) | 66.5 | 21.8 | 53% |
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| Beta | 0.84 | 0.43 | 50% |
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| Avg Daily Volume (000s) | 593 | 42 | 61% |
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| Price Change (52-week) |
19.3% | 94.6% | 61% |
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| Growth | WTFC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 13.0% | 7.7% | 68% |
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| Net Income (5yr) | 23.0% | 11.1% | 77% |
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| EPS (5yr) | 19.5% | 10.1% | 67 |
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| Dividends (5yr) | 12.3% | 3.6% | 90% |
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| Cash Flow (5yr) | (26.0%) | (17.1%) | 24% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 13 | 14 | 14 | |
| Current EPS | $3.285 | $13.106 | $13.806 | |
| Month Ago EPS | $3.249 | $12.965 | $13.832 | |
| # Rev Up | 2 | 1 | 1 | |
| # Rev Down | 1 | 0 | 1 | |
| Three Months Ago EPS | $3.312 | $13.055 | $13.865 | |
| Year/Year Chg | (0.5%) | 15.0% | 31.3% | |
| Financials | WTFC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $2,759 | $196 | 65% |
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| Net Income (TTM) (Mil) | $900 | $55 | 85% |
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| EPS (TTM) | $12.627 | $2.600 | 96% |
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| Operating Cash Flow (TTM) (Mil) | $1,644 | $36 | 86% |
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| Net Cash Flow (TTM) (Mil) | ($100) | $2 | 14% |
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| Long-Term Debt (Q1) (Mil) | $4,374 | $101 | 84% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | WTFC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.45 | 1.25 | 37% |
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| P/E | 12.3 | 12.5 | 26% |
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| Dividend Yield | 1.4% | 2.2% | 71% |
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| PEG (5yr hist) | 0.6 | 1.1 | 31% |
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| Ratios | WTFC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 32.6% | 29.1% | 91% |
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| ROA | 1.3% | 1.1% | 50% |
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| ROE | 13.4% | 11.3% | 67% |
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| Liabilities to Assets | 89.9% | 89.7% | 85% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
