Wintrust Financial (WTFC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Wintrust Financial

NasdaqGS•Financial Services•Banks - Regional

$154.12+0.60(<0.01%)Pre-market

Market Cap

$9.98B

P/E

11.1x

P/S

2.3x

P/B

1.3x

Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through 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, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides 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. 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, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

How this company scores

WeakMetricSide Score: 79/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability23/25

Growth19/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.1x5y range 7.2x – 12.2x

Currently near its 20-quarter median.

P/S · 2.3x5y range 1.5x – 2.9x

Currently near its 20-quarter median.

P/B · 1.3x5y range 0.9x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Share Dilution

Watch

Shares outstanding rose 3.9% — mild dilution. Compare to earnings growth to assess the net per-share impact.

Price & Volume

Market Cap $9.98B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $4.35B
Q. Revenue: $1.10B
TTM EBITDA: $1.34B
TTM Op. Income: $1.22B
Q. Op. Income: $317.96M
TTM Net Income: $900.36M
Q. Net Income: $233.69M
EPS: $3.34
Shares Out.: $67.43M

$4.35B in TTM revenue grew 6.1% YoY, reaching $1.10B last quarter. TTM EBITDA of $1.34B and TTM operating income of $1.22B show growth is flowing through to the bottom line. TTM net income of $900.36M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 67.0%
EBITDA Margin: 29.3%
Op. Margin: 28.8%
Net Margin: 21.2%

Op. margin of 28.8% is up 3.3% YoY — cost efficiency is improving. Net margin at 21.2% and gross margin of 67.0% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 7 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.1x
P/S Ratio: 2.3x
P/B Ratio: 1.3x

At 11.1x P/E, the stock trades below typical market levels. P/S of 2.3x and P/B of 1.3x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 1% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $74.67B
Cash: $595.86M
Long-Term Debt: $3.45B
Book Value: $7.53B
D/E Ratio: 0.5
Debt/EBITDA: 10.7

With $74.67B in assets and $3.45B in long-term debt, D/E is 0.5and book value is $7.53B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $255.11M
TTM Free Cash Flow: $1.57B
FCF Margin: 36.2%
FCF / Net Income: 1.7

TTM FCF of $1.57B on $255.11M in operating cash flow. The FCF / Net Income ratio of 1.7x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 89% — a weakening trend.