Financial Services · Banks - Regional
Price
$161.31
Market Cap
$10.9B
Employees
5,903
Beta
0.85
Avg Volume
452,273
CEO
Timothy S. Crane
Business Description
Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers a comprehensive array of financial products and services. This includes various deposit accounts, such as non-interest-bearing, interest-bearing transaction, savings, and domestic time deposits. On the lending side, it provides home equity loans, consumer loans, and real estate financing. Customers also have access to essential banking services like safe deposit facilities, ATMs, online banking, and mobile banking. Beyond standard offerings, this segment is actively involved in originating and acquiring residential mortgages for sale in the secondary market. It extends specialized lending, deposit, and treasury management solutions to condominium, homeowner, and community associations, alongside offering asset-based financing for middle-market enterprises. Further niche services encompass loan and deposit facilities for mortgage brokerage firms, financing for restaurant franchisees, direct leasing, Small Business Administration (SBA) loans, commercial mortgages, and construction loans, all forming part of its broader financial solutions. Its client base is diverse, ranging from individuals and small to mid-sized businesses to local governmental units and institutional clients, for whom it provides both personal and commercial banking. The Specialty Finance segment delivers targeted financial services, including the financing of commercial and life insurance premiums for both corporate and individual clients. It also handles accounts receivable financing, provides value-added administrative services, and offers outsourced solutions such as payroll processing, billing, and cash management tailored specifically for the temporary staffing industry. This segment rounds out its offerings with other specialized financial products. The Wealth Management segment is dedicated to assisting clients with a full suite of services, including trust and investment management, comprehensive asset management, tax-deferred exchange facilitation, securities brokerage, and retirement plan services. Wintrust maintains a significant physical presence, operating 173 banking facilities and 228 ATMs. Its geographic footprint covers the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. The company, established in 1991, is headquartered in Rosemont, Illinois.
Business History
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
12.58
Stock Price: $161.31
EPS (Diluted): 11.58
EPS (Diluted): 11.58
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.29
Stock Price: $161.31
Total Equity: $7.26B
Shares: 67,649,000
Total Equity: $7.26B
Shares: 67,649,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
9.05
Market Cap: $10.88B
Total Debt: $4.48B
Cash: $467.87M
EBITDA: $1.21B
Total Debt: $4.48B
Cash: $467.87M
EBITDA: $1.21B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$13.4B
Market Cap: $10.88B
Total Debt: $4.48B
Cash: $467.87M
Total Debt: $4.48B
Cash: $467.87M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
62.2%
Gross Profit: $2.63B
Revenue: $4.23B
Revenue: $4.23B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
26.4%
Operating Income: $1.12B
Revenue: $4.23B
Revenue: $4.23B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
19.5%
Net Income: $823.84M
Revenue: $4.23B
Revenue: $4.23B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
11.9%
Net Income: $823.84M
Total Equity: $7.26B
Total Equity: $7.26B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
6.5%
Operating Income: $1.12B
Tax Rate: 26.3%
Equity: $7.26B
Total Debt: $4.48B
Cash: $467.87M
Tax Rate: 26.3%
Equity: $7.26B
Total Debt: $4.48B
Cash: $467.87M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.14
Current Assets: $6.70B
Current Liabilities: $48.47B
Current Liabilities: $48.47B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.62
Short-Term Debt: $0.00
Long-Term Debt: $4.48B
Total Debt: $4.48B
Total Equity: $7.26B
Long-Term Debt: $4.48B
Total Debt: $4.48B
Total Equity: $7.26B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$62.53
Revenue: $4.23B
Shares: 67,649,000
Shares: 67,649,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$107.30
Total Equity: $7.26B
Shares: 67,649,000
Shares: 67,649,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$12.72
Operating CF: $910.35M
CapEx: -$49.95M
Shares: 67,649,000
CapEx: -$49.95M
Shares: 67,649,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
1.8%
Last Dividend: N/A
Stock Price: $161.31
Stock Price: $161.31
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $823.84M
Net Income: $823.84M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares WTFC against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 7:31pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.9B | $2.2B | $3.3B | $4.0B | $4.2B |
| Cost of Revenue | $91.3M | $330.7M | $1.2B | $1.6B | $1.6B |
| Gross Profit | $1.8B | $1.9B | $2.2B | $2.3B | $2.6B |
| Operating Expenses | $1.1B | $1.2B | $1.3B | $1.4B | $1.5B |
| Operating Income | $637.8M | $700.6M | $845.1M | $947.1M | $1.1B |
| Net Income | $466.2M | $509.7M | $622.6M | $695.0M | $823.8M |
| EBITDA | $739.6M | $782.6M | $929.8M | $1.0B | $1.2B |
| EPS | $7.69 | $8.14 | $9.72 | $10.47 | $11.58 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 7:31pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $5.8B | $2.5B | $2.5B | $4.9B | $467.9M |
| Total Current Assets | $7.9B | $6.4B | $6.5B | $8.8B | $6.7B |
| Total Assets | $50.1B | $52.9B | $56.3B | $64.9B | $71.1B |
| Current Liabilities | $43.3B | $44.9B | $47.2B | $52.5B | $48.5B |
| Long-Term Debt | $2.3B | $3.3B | $3.6B | $4.2B | $4.5B |
| Total Liabilities | $45.6B | $48.2B | $50.9B | $58.5B | $63.9B |
| Total Equity | $4.5B | $4.8B | $5.4B | $6.3B | $7.3B |
| Retained Earnings | $2.4B | $2.8B | $3.3B | $3.9B | $4.5B |
Cash Flow (Annual)
Last updated: Jun 21, 2026 7:31pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $1.1B | $1.4B | $744.4M | $721.6M | $910.3M |
| Capital Expenditure | -$57.1M | -$53.4M | -$46.4M | -$86.0M | -$50.0M |
| Free Cash Flow | $1.1B | $1.3B | $698.0M | $635.5M | $860.4M |
| Acquisitions (net) | -$585.4M | $0 | -$5.1M | $531.3M | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$9.5M | $-304,000 | -$1.9M | -$3.9M | -$412.5M |
| Net Change in Cash | $88.7M | $79.8M | -$67.5M | $35.1M | $9.4M |
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 6:13am (2h ago)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$2.7B $2.7B – $2.7B
|
$3.0B $3.0B – $3.0B
|
$3.2B $3.1B – $3.2B
|
$3.4B $3.4B – $3.4B
|
| EBITDA |
$857.8M $854.7M – $861.0M
|
$939.5M $936.3M – $945.9M
|
$1.0B $994.8M – $1.0B
|
$1.1B $1.1B – $1.1B
|
| Net Income |
$758.6M $752.1M – $765.0M
|
$887.9M $858.1M – $897.2M
|
$942.4M $901.6M – $997.7M
|
$1.0B $1.0B – $1.1B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 7:31pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +18.6% | +50.7% | +19.2% | +6.7% |
| Gross Profit Growth | +6.1% | +14.9% | +8.9% | +11.9% |
| Operating Income Growth | +9.8% | +20.6% | +12.1% | +18.1% |
| Net Income Growth | +9.3% | +22.2% | +11.6% | +18.5% |
| EBITDA Growth | +5.8% | +18.8% | +12.6% | +15.3% |
Insider Trading (Recent)
Last updated: Jun 27, 2026 6:13am (2h ago)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-05-28 | DYKSTRA DAVID A | A-Award | 154.00 | $150.69 | $23,206 |
| 2026-05-28 | WEHMER EDWARD J | A-Award | 220.00 | $150.69 | $33,152 |
| 2026-05-05 | MURPHY RICHARD B | G-Gift | 1,661.00 | $0.00 | $0 |
| 2026-05-04 | MCKINNEY SUZET M | S-Sale | 500.00 | $148.96 | $74,480 |
| 2026-04-27 | DYKSTRA DAVID A | S-Sale | 9,579.00 | $148.82 | $1.4M |
| 2026-04-23 | STOEHR DAVID L | S-Sale | 3,020.00 | $150.45 | $454,359 |
| 2026-03-31 | MCKINNEY SUZET M | A-Award | 404.00 | $139.82 | $56,487 |
| 2026-03-31 | LEFEVRE DEBORAH L. HALL | A-Award | 500.00 | $139.82 | $69,910 |
| 2026-03-31 | CRIST PETER D | A-Award | 703.00 | $139.82 | $98,293 |
| 2026-03-31 | Kohl Laura A. | A-Award | 395.00 | $139.82 | $55,229 |
| 2026-03-31 | CONNELLY ELIZABETH H. | A-Award | 470.00 | $139.82 | $65,715 |
| 2026-03-31 | Smith Gregory A | A-Award | 438.00 | $139.82 | $61,241 |
| 2026-03-31 | KENNEY BRIAN A | A-Award | 438.00 | $139.82 | $61,241 |
| 2026-03-31 | GLABE MARLA F | A-Award | 412.00 | $139.82 | $57,606 |
| 2026-03-31 | TEGLIA KARIN GUSTAFSON | A-Award | 479.00 | $139.82 | $66,974 |
| 2026-03-31 | WASHINGTON ALEX E III | A-Award | 524.00 | $139.82 | $73,266 |
| 2026-03-31 | DOYLE WILLIAM J | A-Award | 466.00 | $139.82 | $65,156 |
| 2026-03-31 | RICHTER DAVID S | A-Award | 405.00 | $139.82 | $56,627 |
| 2026-03-31 | HACKETT H PATRICK JR | A-Award | 12.00 | $139.82 | $1,678 |
| 2026-03-27 | WEHMER EDWARD J | F-InKind | 5,929.00 | $132.98 | $788,438 |
Dividend History (Last 20)
Last updated: Jun 21, 2026 7:31pm (5d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-05-14 | $0.55 | 2026-04-07 | 2026-05-14 | 2026-05-28 |
| 2026-02-05 | $0.55 | 2026-01-22 | 2026-02-05 | 2026-02-19 |
| 2025-11-06 | $0.50 | 2025-10-23 | 2025-11-06 | 2025-11-20 |
| 2025-08-07 | $0.50 | 2025-07-24 | 2025-08-07 | 2025-08-21 |
| 2025-05-08 | $0.50 | 2025-04-04 | 2025-05-08 | 2025-05-22 |
| 2025-02-06 | $0.50 | 2025-01-23 | 2025-02-06 | 2025-02-20 |
| 2024-11-07 | $0.45 | 2024-10-24 | 2024-11-07 | 2024-11-22 |
| 2024-08-08 | $0.45 | 2024-07-25 | 2024-08-08 | 2024-08-22 |
| 2024-05-08 | $0.45 | 2024-04-25 | 2024-05-09 | 2024-05-23 |
| 2024-02-07 | $0.45 | 2024-01-25 | 2024-02-08 | 2024-02-22 |
| 2023-11-08 | $0.40 | 2023-10-26 | 2023-11-09 | 2023-11-24 |
| 2023-08-09 | $0.40 | 2023-07-27 | 2023-08-10 | 2023-08-24 |
| 2023-05-10 | $0.40 | 2023-04-27 | 2023-05-11 | 2023-05-25 |
| 2023-02-08 | $0.40 | 2023-01-26 | 2023-02-09 | 2023-02-23 |
| 2022-11-09 | $0.34 | 2022-10-27 | 2022-11-10 | 2022-11-25 |
| 2022-08-10 | $0.34 | 2022-07-28 | 2022-08-11 | 2022-08-25 |
| 2022-05-11 | $0.34 | 2022-04-28 | 2022-05-12 | 2022-05-26 |
| 2022-02-09 | $0.34 | 2022-01-27 | 2022-02-10 | 2022-02-24 |
| 2021-11-09 | $0.31 | 2021-10-28 | 2021-11-11 | 2021-11-26 |
| 2021-08-04 | $0.31 | 2021-07-22 | 2021-08-05 | 2021-08-19 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for WTFC — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30