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Wintrust financial corporationWTFC.US Overview

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WTFC Recent Performance

0.74%

Wintrust financial corporation

1.79%

Avg of Sector

-0.31%

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WTFC Key Information

WTFC Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

WTFC Profile

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 for sale into the secondary market; 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; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 173 banking facilities and 228 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

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WTFC FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

WTFC Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
12.30
PE Ratio (TTM)
12.64
Forward PE
13.38
PS Ratio (TTM)
3.67
PB Ratio
1.49
Price-to-FCF
11.42
METRIC
VALUE
vs. INDUSTRY
Gross Margin
100.00%
Net Margin
31.32%
Revenue Growth (YoY)
11.94%
Profit Growth (YoY)
11.94%
3-Year Revenue Growth
10.93%
3-Year Profit Growth
10.93%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
12.30
PE Ratio (TTM)
12.64
Forward PE
13.38
PS Ratio (TTM)
3.67
PB Ratio
1.49
Price-to-FCF
11.42
Gross Margin
100.00%
Net Margin
31.32%
Revenue Growth (YoY)
11.94%
Profit Growth (YoY)
11.94%
3-Year Revenue Growth
10.93%
3-Year Profit Growth
10.93%

  • When is WTFC's latest earnings report released?

    The most recent financial report for Wintrust financial corporation (WTFC) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating WTFC's short-term business performance and financial health. For the latest updates on WTFC's earnings releases, visit this page regularly.

  • Where does WTFC fall in the P/E River chart?

    According to historical valuation range analysis, Wintrust financial corporation (WTFC)'s current price-to-earnings (P/E) ratio is 13.22, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of WTFC?

    According to the latest financial report, Wintrust financial corporation (WTFC) reported an Operating Profit of 302.22M with an Operating Margin of 44.01% this period, representing a growth of 19.42% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is WTFC's revenue growth?

    In the latest financial report, Wintrust financial corporation (WTFC) announced revenue of 686.68M, with a Year-Over-Year growth rate of 10.47%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does WTFC have?

    At the end of the period, Wintrust financial corporation (WTFC) held Total Cash and Cash Equivalents of 3.65B, accounting for 0.05 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does WTFC go with three margins increasing?

    In the latest report, Wintrust financial corporation (WTFC) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 44.01%%, and net margin of 31.3%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess WTFC's profit trajectory and future growth potential.

  • Is WTFC's EPS continuing to grow?

    According to the past four quarterly reports, Wintrust financial corporation (WTFC)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 3.2. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of WTFC?

    Wintrust financial corporation (WTFC)'s Free Cash Flow (FCF) for the period is 228.63M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 51.48% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of WTFC?

    The latest valuation data shows Wintrust financial corporation (WTFC) has a Price-To-Earnings (PE) ratio of 13.22 and a Price/Earnings-To-Growth (PEG) ratio of 0.76. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.