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What this page is: Delvantic's full research page for Wintrust Financial Corporation (WTFC) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.
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profile-header/price-overview— company profile, live quote, market capextended-analysis— the core: three AI lens reads with findings, scores, and the analyst memofuture-predictions— our forward price-band predictionsmarket-narrative/ai-findings/gpt-critique— narrative context, cross-model findings, and an adversarial critique of our own analysis (near the end of the document)- Members-only sections (render as login gates for anonymous readers):
price-history,income-trend,key-metrics,financials(statement tables),insider-trading. The analysis above is public; the raw data tables require a free account.
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any ticker resolves at delvantic.com/stock/TICKER ·
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Wintrust Financial Corporation
WTFC NASDAQ
Financial Services · Banks - Regional
Rosemont, IL 60018, United States
wintrust.com
Price
$162.60
Market Cap
$11.0B
Employees
5,903
Beta
0.85
Avg Volume
645,580
Last Dividend
$2.15
CEO
Mr. Timothy S. Crane
Wintrust Financial Corporation is a financial holding company that operates as a community-focused bank with regional prominence across northern Illinois, southern Wisconsin, northwest Indiana, and western Michigan. The company provides comprehensive banking services including traditional retail and commercial banking, as well as specialized financial solutions. Its operations span three primary segments: community banking, which generates the majority of revenue; specialty finance, including premium financing for property and casualty insurance and life insurance; and wealth management services. Wintrust also offers treasury management services and equipment financing capabilities. The company operates 15 chartered community banks and maintains a substantial presence in its core markets, establishing itself as a significant regional banking institution. Wintrust's business model emphasizes personalized customer service while leveraging its unique market position to deliver loans, deposits, and financial products tailored to local and commercial clients throughout its footprint.
Runs with full report
Earnings Schedule
Checked daily · calendar updated Aug 13 No upcoming print on the calendar yet — companies typically confirm a few weeks ahead. Last print was Jul 20, 2026.
EPS surprise history — vs analyst consensus · 4 prints of vendor history
+0.3%
Nov '25
+7.5%
Jan '26
+9.2%
Apr '26
+4.1%
Jul '26
| Print date | EPS est. | EPS actual | Revenue est. | Revenue actual |
|---|---|---|---|---|
| Jul 20, 2026 | $3.15 | $3.28 +4.1% | — | — |
| Apr 20, 2026 | $2.95 | $3.22 +9.2% | — | — |
| Jan 20, 2026 | $2.93 | $3.15 +7.5% | — | — |
| Nov 6, 2025 | $3.38 | $3.39 +0.3% | — | — |
Green = beat the estimate, red = missed. An earnings print is the fastest way a thesis changes — our designations should be re-read after each one.
Recent SEC Filings
Last updated: Aug 13, 2026 4:25am (10h ago)| Filed | Form | Document |
|---|---|---|
| Aug 5, 2026 | 10-Q | View |
| Jul 20, 2026 | 8-K | View |
| Jul 2, 2026 | 4 | View |
| Jul 2, 2026 | 4 | View |
| Jul 2, 2026 | 4 | View |
| Jul 2, 2026 | 4 | View |
| Jul 2, 2026 | 4 | View |
| Jul 2, 2026 | 4 | View |
| Jul 2, 2026 | 4 | View |
| Jul 2, 2026 | 4 | View |
| Jul 2, 2026 | 4 | View |
| Jul 2, 2026 | 4 | View |
Filings link to the SEC’s EDGAR system. Annual/quarterly reports (10-K, 10-Q, 20-F) carry the full story; 8-K/6-K current reports are the fastest signal that something material happened.
Price Overview
Last updated: Aug 13, 2026 2:47pm (just now)
Current data · timestamped when a report runs
$162.10
Change · Aug 13
-0.50 (-0.31%)
Day Range
$161.70 – $163.26
52-Week Range
$119.61 – $167.22
50-Day MA
$159.26
200-Day MA
$146.80
Volume
14,993.00
Share Structure
Outstanding
67,455,414.00
Float
64,672,201.00
Free Float
95.9%
High free float
— 95.9% of shares trade freely, ~4.1% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
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
TD Twelve Data statement
HEX SEC filing
P/E Ratio (Price per dollar of earnings)
HEXStock Price / EPS (Diluted)
14.26
Stock Price: $162.60
EPS (Diluted): 11.40
EPS (Diluted): 11.40
P/B Ratio (Price vs net asset value)
HEXStock Price / Book Value Per Share
1.62
Stock Price: $162.60
Total Equity: $7.26B
Shares: 72,267,018
Total Equity: $7.26B
Shares: 72,267,018
EV/EBITDA (Total value vs operating profit)
HEXEnterprise Value / EBITDA
—
Market Cap: $10.97B
Total Debt: $0.00
Cash: $467.94M
EBITDA: N/A
Total Debt: $0.00
Cash: $467.94M
EBITDA: N/A
EBITDA not available
Enterprise Value (Takeover price (cap + debt - cash))
HEXMarket Cap + Total Debt - Cash
$10.4B
Market Cap: $10.97B
Total Debt: $0.00
Cash: $467.94M
Total Debt: $0.00
Cash: $467.94M
Gross Margin (Revenue left after direct costs)
HEXGross Profit / Revenue
—
Gross Profit: N/A
Revenue: $2.73B
Revenue: $2.73B
Missing from API: Gross Profit
Operating Margin (Revenue left after all operations)
HEXOperating Income / Revenue
—
Operating Income: N/A
Revenue: $2.73B
Revenue: $2.73B
Missing from API: Operating Income
Net Margin (Revenue left as actual profit)
HEXNet Income / Revenue
30.2%
Net Income: $823.84M
Revenue: $2.73B
Revenue: $2.73B
ROE (Profit from shareholder equity)
HEXNet Income / Total Equity
11.3%
Net Income: $823.84M
Total Equity: $7.26B
Total Equity: $7.26B
ROIC (Profit from all invested capital)
HEXNOPAT / Invested Capital
—
Operating Income: N/A
Tax Rate: 26.3%
Equity: $7.26B
Total Debt: $0.00
Cash: $467.94M
Tax Rate: 26.3%
Equity: $7.26B
Total Debt: $0.00
Cash: $467.94M
Zero debt — invested capital = equity minus cash (very efficient)
Current Ratio (Can it pay short-term bills)
HEXCurrent Assets / Current Liabilities
—
Current Assets: N/A
Current Liabilities: N/A
Current Liabilities: N/A
Missing from API: Current Assets, Current Liabilities
Debt/Equity (Leverage — debt vs equity)
HEXTotal Debt / Total Equity
0.00
Short-Term Debt: $0.00
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $7.26B
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $7.26B
Zero debt — this company carries no debt obligations. Strongest possible score.
Rev/Share (Top-line per share)
HEXRevenue / Shares Outstanding
$37.72
Revenue: $2.73B
Shares: 72,267,018
Shares: 72,267,018
Book Value/Share (Net assets per share)
HEX(Total Assets - Total Liabilities) / Shares
$100.44
Total Equity: $7.26B
Shares: 72,267,018
Shares: 72,267,018
FCF/Share (Real cash generated per share)
HEX(Operating Cash Flow + CapEx) / Shares
$11.91
Operating CF: $910.35M
CapEx: -$49.95M
Shares: 72,267,018
CapEx: -$49.95M
Shares: 72,267,018
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
TDLast Annual Dividend / Stock Price
1.3%
Last Dividend: $2.15
Stock Price: $162.60
Stock Price: $162.60
Payout Ratio (Earnings paid out as dividends)
HEXDividends Paid / Net Income
20.6%
Dividends Paid: -$169.42M
Net Income: $823.84M
Net Income: $823.84M
Income Statement (Annual)
Last updated: Aug 11, 2026 1:28pm (2d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.7B | $2.0B | $2.3B | $2.5B | $2.7B |
| Cost of Revenue | — | — | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Expenses | $766.0M | $784.2M | $884.2M | $919.9M | $981.5M |
| Operating Income | — | — | — | — | — |
| Net Income | $466.2M | $509.7M | $622.6M | $695.0M | $823.8M |
| EBITDA | — | — | — | — | — |
| EPS | $7.69 | $8.14 | $9.72 | $10.47 | $11.57 |
| EPS (Diluted) | $7.58 | $8.02 | $9.58 | $10.31 | $11.40 |
Balance Sheet (Annual)
Last updated: Aug 6, 2026 6:38pm (6d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $411.2M | $491.0M | $423.5M | $458.5M | $467.9M |
| Total Current Assets | — | — | — | — | — |
| Total Assets | $50.1B | $52.9B | $56.3B | $64.9B | $71.1B |
| Current Liabilities | — | — | — | — | — |
| Long-Term Debt | — | — | — | — | — |
| 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: Aug 6, 2026 6:38pm (6d 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 |
| Net Debt Issued / (Repaid) | — | — | — | — | — |
| Dividends Paid | -$98.6M | -$108.2M | -$125.7M | -$143.3M | -$169.4M |
| Stock Buybacks | -$9.5M | $0 | $0 | — | — |
| Net Change in Cash | $88.7M | $79.8M | -$67.5M | $35.1M | $9.4M |
Growth Trends (YoY %)
Last updated: Aug 11, 2026 1:28pm (2d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +14.5% | +16.0% | +7.9% | +11.2% |
| Gross Profit Growth | — | — | — | — |
| Operating Income Growth | — | — | — | — |
| Net Income Growth | +9.3% | +22.2% | +11.6% | +18.5% |
| EBITDA Growth | — | — | — | — |
Dividend History (Last 20)
Last updated: Aug 11, 2026 1:28pm (2d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-08-06 | $0.55 | — | — | — |
| 2026-05-14 | $0.55 | — | — | — |
| 2026-02-05 | $0.55 | — | — | — |
| 2025-11-06 | $0.50 | — | — | — |
| 2025-08-07 | $0.50 | — | — | — |
| 2025-05-08 | $0.50 | — | — | — |
| 2025-02-06 | $0.50 | — | — | — |
| 2024-11-07 | $0.45 | — | — | — |
| 2024-08-08 | $0.45 | — | — | — |
| 2024-05-08 | $0.45 | — | — | — |
| 2024-02-07 | $0.45 | — | — | — |
| 2023-11-08 | $0.40 | — | — | — |
| 2023-08-09 | $0.40 | — | — | — |
| 2023-05-10 | $0.40 | — | — | — |
| 2023-02-08 | $0.40 | — | — | — |
| 2022-11-09 | $0.34 | — | — | — |
| 2022-08-10 | $0.34 | — | — | — |
| 2022-05-11 | $0.34 | — | — | — |
| 2022-02-09 | $0.34 | — | — | — |
| 2021-11-09 | $0.31 | — | — | — |
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)
Not applicable for this companies
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
Not applicable for this companies
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
Not applicable for this companies
4h
Dividend Discount Model
— For dividend/income stocks only
Not applicable for this companies
4i
Book Value Analysis
— For deep value / turnaround stocks only
Not applicable for this companies
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)
Not applicable for this companies
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
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).
Claude Reading
No AI findings yet for WTFC — they're generated by the
pipeline (
ai-findings step) when a report is run on this ticker.
GPT Reading
No GPT reading yet for WTFC — it's generated by the
pipeline (
gpt-critique step) after the other Big-3 seats, when a
report is run on this ticker.
Grok Reading
No Grok reading yet for WTFC — it's generated by the
pipeline (
grok-critique step) alongside the other Big-3 seats, when a
report is run on this ticker.
Advanced Analysis Forensic deep-dive · four lenses
No community reviews yet for WTFC.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
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Data via Financial Modeling Prep · Cached for performance · twelvedata
v1.1.530 · 761561a2 · 2026-08-12 19:06:35