Stocks · Financial Services · Banks - Regional
Wintrust Financial Corporation WTFC
$145.02 +1.02% Close, Oct 2, 2026 · NASDAQ · Market cap $9.78B
Inexpensive vs sector
Next earnings report: Oct 19, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 7 quarters (average surprise over the last four: +9.4%).
- Diluted EPS over the last four quarters was $12.61, up 19.3% year over year.
- Revenue over the last four quarters was $4.35B, up 6.1% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth76Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 49%
- EPS growth (TTM, YoY)Top 50%
- FCF growth (TTM, YoY)Top 20%
- Revenue growth, 3-year CAGRTop 21%
- Revenue growth accelerationBottom 48%
Quality79Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 23%
- Gross marginBottom 46%
- Operating marginTop 33%
- Cash conversion (OCF / net income)Top 22%
- Accruals (lower is better)Top 33%
- Net debt / EBITDA (lower is better)Top 32%
- Interest coverBottom 44%
Value90Exceptional
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 28%
- Free-cash-flow yieldTop 17%
- EBITDA / enterprise valueTop 16%
- Sales / enterprise valueTop 31%
- P/E vs own 5-year history (lower is better)Top 36%
Momentum38Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 42%
- 6-month returnBottom 46%
- 1-year return vs S&P 500Top 44%
- Distance from 52-week highBottom 39%
- Trend checklist (0–4)Bottom 27%
Revisions94Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 29%
- Consecutive EPS beatsTop 16%
- Share of analysts rating BuyTop 22%
- Upside to consensus price targetTop 29%
Stability47Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 36%
- Maximum drawdown, 3 yearsBottom 44%
- Beta vs S&P 500 (lower is better)Bottom 17%
- Net debt / EBITDA (lower is better)Top 32%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 6.6% | 6.1% | ↓ |
| EPS growth (YoY) | 19.6% | 19.3% | ↓ |
| Gross margin | 60.6% | 63.6% | ↑ |
| Operating margin | 24.6% | 28.2% | ↑ |
| FCF margin | 20.5% | 36.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 6.1% | 6.6% | ↓ | Bottom 49% |
| EPS growth (TTM, YoY) | 19.3% | 19.6% | ↓ | Top 50% |
| Gross margin | 63.6% | 60.6% | ↑ | Bottom 46% |
| Operating margin | 28.2% | 24.6% | ↑ | Top 33% |
| Net margin | 20.7% | 18.1% | ↑ | — |
| Free-cash-flow margin | 36.8% | 20.5% | ↑ | — |
| Return on invested capital | 6.7% | — | Top 23% | |
| Revenue growth, 3-year CAGR | 24.2% | — | Top 21% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.83×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +588.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.16×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.83%
- Net buyback yield (TTM)
- 4.20%
- Shareholder yield
- 6.03%
- Share count change, 1 year
- +0.7%
- Share count change, 3-year CAGR
- +3.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +9.4%
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $178.88
- Target vs current price
- +23.3%
- Analysts with a rating
- 22
- Share rating Buy or Strong Buy
- 68%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 20, 2026 | +5.1% | -0.4% | -3.4% | -1.1% | — |
| Apr 20, 2026 | +8.8% | +0.4% | -0.2% | -2.4% | +9.8% |
| Jan 20, 2026 | +7.5% | -0.8% | +0.3% | +5.5% | +0.1% |
| Oct 20, 2025 | +16.3% | +3.1% | +5.1% | +4.5% | +17.6% |
| Jul 21, 2025 | +6.9% | -2.0% | -1.5% | -5.2% | -4.2% |
| Apr 21, 2025 | +8.0% | -1.1% | +8.1% | +19.3% | +26.5% |
| Jan 21, 2025 | +4.4% | +1.4% | -3.8% | -2.6% | -23.8% |
| Oct 21, 2024 | -1.6% | -2.7% | -2.0% | +14.2% | +15.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 20, 2026 | $3.30 | $3.14 | +5.1% | $738.6M |
| Apr 20, 2026 | $3.22 | $2.96 | +8.8% | $713.2M |
| Jan 20, 2026 | $3.15 | $2.93 | +7.5% | $714.3M |
| Oct 20, 2025 | $3.06 | $2.63 | +16.3% | $697.8M |
| Jul 21, 2025 | $2.78 | $2.60 | +6.9% | $670.8M |
| Apr 21, 2025 | $2.69 | $2.49 | +8.0% | $643.1M |
| Jan 21, 2025 | $2.63 | $2.52 | +4.4% | $638.7M |
| Oct 21, 2024 | $2.47 | $2.51 | -1.6% | $615.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.5× | 11.8× | 38th | Top 28% |
| P/E (forward) | 11.0× | — | — | — |
| EV / EBITDA | 7.6× | — | — | Top 16% |
| EV / Sales | 2.30× | — | — | Top 31% |
| Free-cash-flow yield | 16.33% | — | — | Top 17% |
| Earnings yield | 8.70% | — | — | Top 28% |
P/E over the past five years
Range 7.2× – 13.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +10.2%
- Earnings per share growth (TTM)
- +19.3%
- Change in P/E multiple
- +8.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.5%
- 200-day average slope (20 days)
- +0.9%
- Distance from 50-day average
- -5.4%
- Distance from 200-day average
- -3.3%
- RSI (14)
- 40.4
- Relative volume
- 0.95×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.1%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.10
- Correlation with S&P 500
- 0.60
- Current drawdown from 1-year high
- -13.1%
- Maximum drawdown, 3 years
- -31.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 8, 2022 | May 11, 2023 | -42.2% | 315 days | 294 days (Jul 15, 2024) |
| Nov 27, 2024 | Apr 8, 2025 | -31.3% | 88 days | 102 days (Sep 4, 2025) |
| Feb 6, 2026 | Mar 13, 2026 | -19.3% | 24 days | 71 days (Jun 25, 2026) |
| Mar 17, 2021 | Jul 22, 2021 | -17.0% | 88 days | 62 days (Oct 19, 2021) |
| Jul 16, 2026 | Sep 30, 2026 | -15.0% | 53 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $9.78B
- P/E (TTM)
- 11.5
- EPS, diluted (TTM)
- $12.61
- Revenue (TTM)
- $4.35B
- Dividend yield
- 1.48%
- 52-week range
- $119.61 – $167.22
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.86B | $2.21B | $3.33B | $3.97B | $4.23B |
| Gross profit | $1.77B | $1.88B | $2.16B | $2.35B | $2.63B |
| Operating income | $637.8M | $700.6M | $845.1M | $947.1M | $1.12B |
| Net income | $466.2M | $509.7M | $622.6M | $695.0M | $823.8M |
| EPS (diluted) | $7.58 | $8.02 | $9.58 | $10.31 | $11.56 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.02B | $1.03B | $1.00B | $1.04B | $1.09B | $1.09B | $1.06B | $1.10B |
| Net income | $170.0M | $185.4M | $189.0M | $195.5M | $216.3M | $223.0M | $227.4M | $233.7M |
| EPS (diluted) | $2.47 | $2.63 | $2.69 | $2.78 | $2.79 | $3.30 | $3.22 | $3.30 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.13B | $1.38B | $744.4M | $721.6M | $910.3M |
| Capital expenditure | -$57.1M | -$53.4M | -$46.4M | -$86.0M | -$50.0M |
| Free cash flow | $1.07B | $1.32B | $698.0M | $635.5M | $860.4M |
| Dividends paid | -$98.6M | -$108.2M | -$125.7M | -$143.3M | -$169.4M |
| Net share buybacks | -$9.5M | $285.4M | $6.4M | -$3.9M | $8.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $15.02B
- Total assets
- $74.67B
- Total liabilities
- $67.14B
- Total debt
- $4.37B
- Net debt
- $204.1M
- Shareholders’ equity
- $7.53B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 6, 2026 | $0.55 | Aug 20, 2026 |
| May 14, 2026 | $0.55 | May 28, 2026 |
| Feb 5, 2026 | $0.55 | Feb 19, 2026 |
| Nov 6, 2025 | $0.50 | Nov 20, 2025 |
| Aug 7, 2025 | $0.50 | Aug 21, 2025 |
| May 8, 2025 | $0.50 | May 22, 2025 |
| Feb 6, 2025 | $0.50 | Feb 20, 2025 |
| Nov 7, 2024 | $0.45 | Nov 22, 2024 |
Short interest
- Shares sold short
- 2,623,881
- Days to cover
- 6.62
- Change vs previous report
- -3.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 15, 2002
- 3-for-2