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    Wintrust Financial Corporation (WTFC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $143.54
    +2.52 (+1.79%)

    Market Cap: $9.51B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    72%(28/39)
    Avg Surprise
    +7.12%
    Streak
    7 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$3.29
    Range$3.16 - $3.41
    14 analysts
    EPS RevisionsNo revisions (7d)
    1
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$3.32-0.9%
    60d ago$3.28+0.1%
    30d ago$3.29+0.0%
    7d ago$3.28+0.2%
    Current$3.29
    Revenue Consensus
    $753M
    Range$747M - $763M
    11 analysts
    Period ending Dec 31, 2026
    EPS Consensus$3.70
    Range$3.43 - $3.99
    15 analysts
    Revenue Consensus
    $773M
    Range$757M - $788M
    11 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$3.70---
    Sep 26EST
    		-$3.29---
    Jun 26
    Reported Jul 20
    		$3.30$3.15+4.76%Beat+17.0%
    Mar 26
    Reported Apr 20
    		$3.22$2.95+9.15%Beat+19.7%
    Dec 25
    Reported Jan 20
    		$3.15$2.93+7.51%Beat+19.8%
    Sep 25
    Reported Oct 20
    		$3.06$2.71+12.92%Beat+23.9%
    Jun 25
    Reported Jul 21
    		$2.82$2.62+7.63%Beat+21.6%
    Mar 25
    Reported Apr 21
    		$2.69$2.49+8.03%Beat-6.9%
    Dec 24
    Reported Jan 21
    		$2.63$2.47+6.48%Beat+40.6%
    Sep 24
    Reported Oct 21
    		$2.47$2.51-1.59%Miss-2.4%
    Jun 24
    Reported Jul 17
    		$2.32$2.42-4.13%Miss-2.5%
    Mar 24
    Reported Apr 17
    		$2.89$2.44+18.44%Beat+3.2%
    Dec 23
    Reported Jan 17
    		$1.87$2.52-25.79%Miss-16.1%
    Sep 23
    Reported Oct 17
    		$2.53$2.41+4.98%Beat+14.5%
    Jun 23
    Reported Jul 19
    		$2.38$2.40-0.83%Miss+59.7%
    Mar 23
    Reported Apr 19
    		$2.80$2.53+10.67%Beat+35.3%
    Dec 22
    Reported Jan 18
    		$2.23$2.58-13.57%Miss+41.1%
    Sep 22
    Reported Oct 18
    		$2.21$2.07+6.76%Beat+24.9%
    Jun 22
    Reported Jul 20
    		$1.49$1.70-12.35%Miss-11.3%
    Mar 22
    Reported Apr 19
    		$2.07$1.52+36.18%Beat-20.7%
    Dec 21
    Reported Jan 19
    		$1.58$1.54+2.60%Beat-12.2%
    Sep 21
    Reported Oct 19
    		$1.77$1.51+17.22%Beat+4.7%
    Jun 21
    Reported Jul 19
    		$1.68$1.60+5.00%Beat+229.4%
    Mar 21
    Reported Apr 19
    		$2.61$1.43+82.52%Beat+103.9%
    Dec 20
    Reported Jan 20
    		$1.80$1.41+27.66%Beat+16.9%
    Sep 20
    Reported Oct 21
    		$1.69$1.12+50.89%Beat-0.6%
    Jun 20
    Reported Jul 21
    		$0.51$0.71-28.17%Miss-66.7%
    Mar 20
    Reported Apr 21
    		$1.28$1.16+10.34%Beat-22.0%
    Dec 19
    Reported Jan 21
    		$1.54$1.58-2.53%Miss+0.7%
    Sep 19
    Reported Oct 16
    		$1.70$1.62+4.94%Beat+8.3%
    Jun 19
    Reported Jul 15
    		$1.53$1.65-7.27%Miss+0.0%
    Mar 19
    Reported Apr 15
    		$1.64$1.53+7.19%Beat+20.6%
    Dec 18
    Reported Jan 22
    		$1.53$1.57-2.55%Miss+50.0%
    Sep 18
    Reported Oct 17
    		$1.57$1.54+1.95%Beat+40.2%
    Jun 18
    Reported Jul 17
    		$1.53$1.44+6.25%Beat+37.8%
    Mar 18
    Reported Apr 16
    		$1.36$1.27+7.09%Beat+36.0%
    Dec 17
    Reported Jan 22
    		$1.02$1.13-9.73%Miss+9.7%
    Sep 17
    Reported Oct 18
    		$1.12$1.08+3.70%Beat-
    Jun 17
    Reported Jul 18
    		$1.11$0.99+12.12%Beat-
    Mar 17
    Reported Apr 18
    		$1.00$0.91+9.89%Beat-
    Dec 16
    Reported Jan 18
    		$0.93$0.90+3.33%Beat-

    Dividends

    Dividend Metrics

    Forward Yield1.53%
    Forward Annual Dividend$2.20
    Payout Ratio16.10%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+13.72%
    5Y CAGR+12.30%
    WTFC dividend history and ex-dividend datesRun WTFC in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.28EV/EBITDA10.32x
    Price/FCF6.15xFCF Yield16.25%
    Profitability
    Profit Margin32.60%Operating Margin46.10%
    ROE12.20%ROIC7.57%
    Financial Health
    Debt/Equity0.58xInterest Coverage0.82x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.89Avg Volume531.20K
    52-Week High$166.6552-Week Low$118.40

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$143.66
    SMA 20$144.15
    SMA 50$150.29
    SMA 200$149.40
    EMA 10$143.45
    EMA 20$144.82
    EMA 50$148.65
    EMA 200$147.16

    MACD

    Line: -2.06Signal: -2.29Hist: 0.23

    ADX

    ADX: 34.8+DI: 19.3-DI: 33.8

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down76.0
    PSAR$146.14

    Bollinger Bands

    Upper Band$147.35
    Lower Band$140.95
    %B Position444%(Upper)
    Band Width0.40

    RSI (14-Day)

    Neutral
    43.4

    Momentum Oscillators

    Stoch %K47.3
    Stoch %D50.8
    Williams %R-40.5
    ROC (10d)-0.0%
    Momentum-0.01
    CCI (20d)-63.8
    MFI (14d)43.3

    Volatility Measures

    ATR (14d)$2.98(2.1%)
    StdDev (20d)1.60
    Hist Vol16.9%(Low)

    Volume Flow

    VWAP$142.86
    OBV4.3M
    AD Line-81.6M
    CMF (20d)-0.041

    Volume Metrics

    Avg Vol (20d)533.3K
    Vol Ratio1.2x
    VWMA (20d)$144.16

    Pivot Points

    R3$143.32
    R2$142.63
    R1$141.82
    Pivot Point$141.13
    S1$140.33
    S2$139.64
    S3$138.84

    Advanced Oscillators

    TSI-23.21
    Ultimate Osc50.7
    KST-49.08

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$738.63M$713.17M$714.26M$697.84M$670.78M$643.11M$638.60M$615.73M$591.76M$604.77M$570.80M$574.84M
    Cost of RevenueN/A$378.13M$400.04M$418.59M$396.45M$384.46M$405.33M$428.36M$419.43M$363.01M$366.78M$319.96M
    Gross ProfitN/A$683.57M$686.68M$676.07M$648.55M$619.14M$621.71M$593.40M$551.70M$582.96M$527.89M$554.91M
    Operating Expenses$397.54M$382.63M$384.45M$380.03M$381.46M$366.09M$368.54M$360.69M$340.35M$333.14M$362.65M$330.06M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$300.94M$302.22M$296.04M$267.09M$253.06M$253.08M$232.71M$211.34M$249.96M$165.24M$224.86M
    Interest Income$961.41M$927.56M$956.33M$963.83M$920.91M$886.97M$913.50M$908.60M$849.98M$805.51M$793.85M$762.40M
    Interest Expense$364.05M$348.54M$372.45M$396.82M$374.21M$360.49M$388.35M$406.02M$379.37M$341.32M$323.87M$300.04M
    Income Before Tax$317.96M$300.94M$302.22M$296.04M$267.09M$253.06M$253.08M$232.71M$211.34M$249.96M$165.24M$224.86M
    Income Tax Expense$84.27M$73.55M$79.20M$79.79M$71.56M$64.02M$67.72M$62.71M$58.95M$62.66M$41.76M$60.66M
    Net Income$233.69M$227.39M$223.02M$216.25M$195.53M$189.04M$185.36M$170.00M$152.39M$187.29M$123.48M$164.20M
    EBITDA$328.02M$337.28M$321.27M$317.22M$292.26M$276.10M$274.42M$252.67M$230.96M$268.01M$183.61M$248.87M
    EBIT$317.96M$300.94M$302.22M$296.04M$267.09M$253.06M$253.08M$232.71M$211.34M$249.96M$165.24M$224.86M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Wintrust Financial Gears Up For Q3 Print; Here Are The Recent Forecast Changes From Wall Street's Most Ac

    Wintrust Financial Corporation (NASDAQ: WTFC) is set to release its Q3 earnings on October 19, with analysts expecting earnings of $3.31 per share and revenue of $754.79 million. Several Wall Street analysts have...

    Benzinga•10/13/26•Bullish

    Wintrust Financial Corp Stock Historical Valuations | MIL:1WTFC

    This page provides historical valuation data for Wintrust Financial Corp (MIL:1WTFC), including its P/E and P/B ratios, market capitalization...

    GuruFocus•10/6/26•Neutral

    Wintrust Financial Corp ADR stock hits 52-week low at $25.49

    Wintrust Financial Corp ADR stock recently traded at $25.49, near its 52-week low of $25.50, despite the headline suggesting it hit a new low. The stock has shown positive 1-year and year-to-date returns...

    Investing.com•10/1/26•Neutral

    Q3 director services earn a 439-share award at Wintrust Financial (WTFC)

    Wintrust Financial Corp director Deborah L. Hall Lefevre acquired 439 shares of common stock on September 30, 2026, as an award for her third-quarter director services. The shares, valued at $160.72 each...

    Stock Titan•10/1/26•Neutral

    Wintrust Financial Q3FY26 Results: Earnings release set for Oct 19, 2026

    Wintrust Financial Corporation (NASDAQ: WTFC) will release its third quarter and year-to-date 2026 earnings after market close on Monday, October 19, 2026. A conference call is scheduled for the following day...

    scanx.trade•9/30/26•Neutral

    WTFC Valuation and Fair Value

    P/E
    11.3x
    Forward P/E
    10.9x
    EV/EBITDA
    10.3x
    P/FCF
    6.2x
    PEG
    1.2x
    P/B
    1.4x
    See GNG's fair value

    WTFC Profitability: Margins, ROIC and FCF

    Operating margin
    46.1%
    Net margin
    32.6%
    ROIC
    7.6%
    ROE
    12.2%
    FCF margin
    54.9%
    FCF yield
    16.3%

    WTFC Competitors

    CompanyTicker
    SouthState CorporationSSB
    Federal Home Loan Mortgage CorpFMCC
    Ryan Specialty Group Holdings IncRYAN
    Cullen/Frost Bankers IncCFR
    Evercore Partners IncEVR
    FirstCash IncFCFS
    UMB Financial CorporationUMBF
    Assurant, Inc. 5.25% SubordinatAIZN

    Sector: Financial Services

    WTFC Analyst Ratings

    Consensus
    Buy
    Analysts
    15
    Strong Buy
    4
    Buy
    5
    Hold
    6
    Sell
    0
    Strong Sell
    0

    WTFC Bull Case vs Bear Case

    Bull case

    • WTFC converts 54.9% of revenue into free cash flow.
    • WTFC has a 32.6% net profit margin.
    • WTFC beat EPS estimates in 87.5% of its last 8 reported quarters.

    WTFC Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    6.9%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $3.29
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 1 down

    WTFC Dividend

    Forward yield
    1.5%
    Payout ratio
    16.1%
    3Y DPS growth
    13.7%
    5Y DPS growth
    12.3%
    Pay months
    Feb, May, Aug, Nov
    WTFC dividend history

    Frequently Asked Questions About WTFC

    What is WTFC's current dividend yield?

    Wintrust Financial Corporation (WTFC) has a forward dividend yield of 1.53%.

    Does WTFC pay dividends?

    Yes, Wintrust Financial Corporation pays dividends with a forward dividend yield of 1.53%.

    What is WTFC's P/E ratio?

    Wintrust Financial Corporation has a price-to-earnings (P/E) ratio of 11.28.

    What is WTFC's market cap?

    Wintrust Financial Corporation (WTFC) has a market capitalization of $9.51B with a current stock price of $143.54.

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