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Wintrust Financial Corporation WTFC

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Price alert · WTFC

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157.72 USD +5.34 +3.51%

As of Nov 2, 11:38 AM ET

Bid
157.71 × 1
Ask
157.81 × 2
152.98 Day range 157.79
122.00 52-week range 167.22
YTD
+12.80%
1 year
+21.31%
Open
153.95
Prev close
152.38
Mkt cap
10.64B
Vol
94.50K
Avg vol
527.95K
EPS
13.04
P/E
12.10
Div yield
1.43%
More statistics
Low
152.98
High
157.79
Forward P/E
10.78
Beta
0.89
Short ratio
5.59
Inst. own
97.19%
Dividend
2.20
Ex-div date
Nov 4, 2026
Earnings
Jan 19, 2027
50-d avg
148.04
200-d avg
150.19
1y target
173.94

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Financial health

Altman Z-Score

-0.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 12.1×
FY 2016: 18.9×FY 2017: 18.2×FY 2018: 11.2×FY 2019: 11.6×FY 2020: 12.9×FY 2021: 11.8×FY 2022: 10.4×FY 2023: 9.5×FY 2024: 11.9×FY 2025: 12.1×
FY 2016 5y median 11.8× FY 2025
P/S 2.2×
FY 2016: 3.2×FY 2017: 3.6×FY 2018: 2.5×FY 2019: 2.3×FY 2020: 1.9×FY 2021: 2.8×FY 2022: 2.3×FY 2023: 1.7×FY 2024: 2.0×FY 2025: 2.2×
FY 2016 5y median 2.2× FY 2025
P/B 1.3×
FY 2016: 1.4×FY 2017: 1.5×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 1.0×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 1.3×
FY 2016 5y median 1.2× FY 2025
P/FCF 10.9×
FY 2016: 13.2×FY 2017: 13.2×FY 2018: 12.1×FY 2019: 21.9×FY 2020: -6.0×FY 2021: 4.8×FY 2022: 3.8×FY 2023: 8.1×FY 2024: 12.5×FY 2025: 10.9×
FY 2016 5y median 8.1× FY 2025
EV/EBITDA 10.8×
FY 2016: 8.3×FY 2017: 9.7×FY 2018: 6.6×FY 2019: 5.9×FY 2020: 1.7×FY 2021: 2.5×FY 2022: 7.8×FY 2023: 7.3×FY 2024: 7.0×FY 2025: 10.8×
FY 2016 5y median 7.3× FY 2025
EV/Sales 3.2×
FY 2016: 2.8×FY 2017: 3.5×FY 2018: 2.3×FY 2019: 1.9×FY 2020: 0.4×FY 2021: 1.0×FY 2022: 2.8×FY 2023: 2.1×FY 2024: 1.8×FY 2025: 3.2×
FY 2016 5y median 2.1× FY 2025
FCF Yield 9.2%
FY 2016: 7.6%FY 2017: 7.6%FY 2018: 8.3%FY 2019: 4.6%FY 2020: -16.6%FY 2021: 20.7%FY 2022: 26.4%FY 2023: 12.3%FY 2024: 8.0%FY 2025: 9.2%
FY 2016 5y median 12.3% FY 2025

Profitability

Gross Margin 62.2%
FY 2016: 89.0%FY 2017: 88.6%FY 2018: 84.2%FY 2019: 78.5%FY 2020: 75.4%FY 2021: 95.1%FY 2022: 85.0%FY 2023: 64.8%FY 2024: 59.3%FY 2025: 62.2%
FY 2016 5y median 64.8% FY 2025
Operating Margin 26.4%
FY 2016: 29.4%FY 2017: 30.9%FY 2018: 30.2%FY 2019: 26.8%FY 2020: 20.5%FY 2021: 34.3%FY 2022: 31.7%FY 2023: 25.4%FY 2024: 23.9%FY 2025: 26.4%
FY 2016 5y median 26.4% FY 2025
Net Margin 19.5%
FY 2016: 18.3%FY 2017: 20.4%FY 2018: 22.5%FY 2019: 19.9%FY 2020: 15.4%FY 2021: 25.0%FY 2022: 23.1%FY 2023: 18.7%FY 2024: 17.5%FY 2025: 19.5%
FY 2016 5y median 19.5% FY 2025
ROE 11.3%
FY 2016: 7.7%FY 2017: 8.7%FY 2018: 10.5%FY 2019: 9.6%FY 2020: 7.1%FY 2021: 10.4%FY 2022: 10.6%FY 2023: 11.5%FY 2024: 11.0%FY 2025: 11.3%
FY 2016 5y median 11.0% FY 2025
ROIC 3.6%
FY 2016: 5.9%FY 2017: 6.1%FY 2018: 7.7%FY 2019: 6.5%FY 2020: 3.8%FY 2021: 6.7%FY 2022: 6.1%FY 2023: 6.9%FY 2024: 5.6%FY 2025: 3.6%
FY 2016 5y median 6.1% FY 2025
ROA 1.2%
FY 2016: 0.8%FY 2017: 0.9%FY 2018: 1.1%FY 2019: 1.0%FY 2020: 0.6%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 1.1%FY 2024: 1.1%FY 2025: 1.2%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 6.7%
FY 2016: 14.7%FY 2017: 11.7%FY 2018: 20.7%FY 2019: 17.5%FY 2020: 6.0%FY 2021: -1.9%FY 2022: 18.6%FY 2023: 50.7%FY 2024: 19.2%FY 2025: 6.7%
FY 2016 FY 2025
Operating Income 18.1%
FY 2016: 31.8%FY 2017: 17.5%FY 2018: 18.0%FY 2019: 4.3%FY 2020: -18.8%FY 2021: 63.6%FY 2022: 9.8%FY 2023: 20.6%FY 2024: 12.1%FY 2025: 18.1%
FY 2016 FY 2025
EPS (diluted) 12.1%
FY 2016: 24.9%FY 2017: 20.2%FY 2018: 33.2%FY 2019: 2.9%FY 2020: -22.4%FY 2021: 62.0%FY 2022: 5.8%FY 2023: 19.5%FY 2024: 7.6%FY 2025: 12.1%
FY 2016 FY 2025
Free Cash Flow 35.4%
FY 2016: 6266.1%FY 2017: 23.6%FY 2018: -9.8%FY 2019: -40.4%FY 2020: -416.4%FY 2021: 284.5%FY 2022: 23.1%FY 2023: -47.2%FY 2024: -8.9%FY 2025: 35.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.6×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.5×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 3.2×
FY 2016: -1.1×FY 2017: -0.3×FY 2018: -0.5×FY 2019: -1.2×FY 2020: -5.5×FY 2021: -4.5×FY 2022: 1.4×FY 2023: 1.2×FY 2024: -0.6×FY 2025: 3.2×
FY 2016 5y median 1.2× FY 2025
Interest Coverage 0.7×
FY 2016: 3.7×FY 2017: 3.4×FY 2018: 2.2×FY 2019: 1.5×FY 2020: 1.5×FY 2021: 4.2×FY 2022: 2.8×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 1.8%
FY 2016: 1.1%FY 2017: 0.9%FY 2018: 1.4%FY 2019: 1.6%FY 2020: 2.4%FY 2021: 1.9%FY 2022: 2.2%FY 2023: 2.2%FY 2024: 1.8%FY 2025: 1.8%
FY 2016 5y median 1.9% FY 2025
Payout Ratio 20.6%
FY 2016: 18.6%FY 2017: 15.7%FY 2018: 14.9%FY 2019: 18.3%FY 2020: 29.3%FY 2021: 21.2%FY 2022: 21.2%FY 2023: 20.2%FY 2024: 20.6%FY 2025: 20.6%
FY 2016 5y median 20.6% FY 2025

Annual · latest fiscal year ends 2025-12-31