Wintrust Financial (WTFC) Stock Price
Wintrust Financial Price
Wintrust Financial (WTFC) Stock | ISIN US97650W1080 | WKN 908658. The current Wintrust Financial stock price is 153.99 USD (2026). Revenue is 2.99 B USD. Net income is 845.91 M USD. The P/E ratio is 12.36. Market capitalization is 10.31 B USD. Wintrust Financial operates in the Finance sector.
Wintrust Financial stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Wintrust Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Wintrust Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Wintrust Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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Wintrust Financial Revenue, EBIT, Net Income
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Wintrust Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUE (B USD) |
|---|
| REVENUE GROWTH (%) |
| GROSS MARGIN (%) |
| GROSS INCOME (M USD) |
| EBIT (B USD) |
| EBIT MARGIN (%) |
| NET INCOME (M USD) |
| NET INCOME GROWTH (%) |
| DIVIDEND (USD)DIV. (USD) |
| DIVIDEND GROWTH (%)DIV. GROWTH (%) |
| SHARES (M) |
| DOCUMENTS |
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|
| 1.86 | 2.21 | 3.33 | 3.97 | 4.23 | 2.99 | 3.17 | 3.37 |
| -1.9 | 18.65 | 50.68 | 19.18 | 6.66 | -29.37 | 6.23 | 6.3 |
| - | - | - | - | - | - | - | - |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 1.33 | 1.43 | - |
| – | – | – | – | – | – | – | – |
| 438 | 481 | 594 | 667 | 774 | 845 | 916 | 982 |
| 61.62 | 9.82 | 23.49 | 12.29 | 16.04 | 9.17 | 8.4 | 7.21 |
| 1.24 | 1.36 | 1.6 | 1.8 | 2 | 2.2 | 2.44 | 2.63 |
| 10.71 | 9.68 | 17.65 | 12.5 | 11.11 | 10 | 10.91 | 7.79 |
| 57.8 | 60.1 | 62.09 | 64.7 | 67.89 | 67.89 | 67.89 | 67.89 |
| – | – | – | – | – | – | – | – |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Wintrust Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Wintrust Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Wintrust Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Wintrust Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Wintrust Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Wintrust Financial stock margins
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Wintrust Financial Stock Revenue, EBIT, Earnings per Share
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Wintrust Financial business model & stock analysis
Wintrust Financial SWOT Analysis
Strengths
1. Strong Financial Performance: Wintrust Financial Corp has consistently demonstrated a strong financial performance, with steady revenue growth and profitability.
2. Diverse Product Portfolio: The company offers a wide range of financial products and services, including commercial banking, wealth management, and mortgage banking, providing it with a diverse revenue stream.
3. Well-Established Brand: Wintrust Financial Corp has built a reputable and well-recognized brand in the financial industry, which enhances customer trust and loyalty.
Weaknesses
1. Regional Market Presence: Majority of Wintrust Financial Corp's operations are concentrated in the Midwest region, limiting its geographical reach and potential for expansion.
2. Reliance on Interest Income: The company heavily relies on interest income as a major source of revenue, making it vulnerable to interest rate fluctuations and the overall economic environment.
3. Limited International Presence: Wintrust Financial Corp has minimal international presence, which exposes the company to potential risks associated with solely operating in the domestic market.
Opportunities
1. Acquisitions and Partnerships: Wintrust Financial Corp can explore strategic acquisitions and partnerships to expand its market presence beyond the Midwest region and diversify its product offerings.
2. Growing Demand for Digital Banking: With the increasing popularity of digital banking, the company can invest in technology infrastructure and enhance its digital capabilities to meet the evolving needs of customers.
3. Market Consolidation: The financial industry is undergoing significant consolidation, presenting an opportunity for Wintrust Financial Corp to participate in mergers or acquisitions to strengthen its position and gain economies of scale.
Threats
1. Intense Competition: Wintrust Financial Corp operates in a highly competitive market, facing competition from both established financial institutions and fintech disruptors, which may impact its market share and profitability.
2. Regulatory and Compliance Risks: The financial industry is subject to stringent regulations and compliance requirements, and any failure to adhere to these could result in penalties and reputational damage for Wintrust Financial Corp.
3. Economic Uncertainty: Fluctuations in the economy, interest rates, and financial markets pose risks to the company's performance and profitability, as they can affect customer demand, loan defaults, and investment returns.
Wintrust Financial Segments
Wintrust Financial Revenue by Segment (1/2)
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Wintrust Financial Revenue by Segment (2/2)
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Wintrust Financial Eulerpool Fair Value
Wintrust Financial historical P/E ratio, EBIT multiple, and P/S ratio
Wintrust Financial annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Wintrust Financial shares outstanding
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Wintrust Financial Dividend History
27 years of dividend payments · 9 consecutive increases
Wintrust Financial dividend history and estimates
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Wintrust Financial dividend payout ratio
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Wintrust Financial Earnings Estimates
Wintrust Financial Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 4/20/2026 | 3.04USD | 721.24 MUSD | 2026 Q1 |
| 1/21/2026 | 2.97USD | 712.87 MUSD | 2025 Q4 |
| 1/20/2026 | 2.97USD | 714.36 MUSD | 2025 Q4 |
| 1/19/2026 | 2.97USD | 712.87 MUSD | 2025 Q4 |
| 4/17/2024 | 2.43USD | 586.74 MUSD | 2024 Q1 |
| 1/17/2024 | 2.58USD | 591.89 MUSD | 2023 Q4 |
| 1/16/2024 | 2.77USD | 611.78 MUSD | 2023 Q4 |
| 7/18/2023 | 2.71USD | 596.33 MUSD | 2023 Q2 |
| 4/17/2023 | 2.63USD | 583.16 MUSD | 2023 Q1 |
| 1/17/2023 | 2.64USD | 562.8 MUSD | 2022 Q4 |
EESG©
Eulerpool ESG Scorecard© for the Wintrust Financial stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Wintrust Financial shareholder structure
| % | Name |
|---|---|
10.21183% | |
8.2871% | |
6.58783% | |
4.16975% | |
4.03357% | |
2.82227% | |
2.14121% | |
2.04246% | |
2.04246% | |
1.8293% |
Wintrust Financial Executives and Management Board
Mr. Timothy Crane
(63)President, Chief Executive Officer, Director · since 2008
Mr. David Dykstra
(64)Vice Chairman, Chief Operating Officer · since 2020
Mr. Richard Murphy
(65)Vice Chairman, Chief Lending Officer
Mr. David Stoehr
(65)Chief Financial Officer, Executive Vice President
Ms. Kathleen Boege
(58)Executive Vice President, Chief Legal Officer and Corporate Secretary
Wintrust Financial Supply Chain
Frequently asked questions about Wintrust Financial
Wintrust Financial Corp operates as a financial holding company, providing banking and financial services. The company's business model revolves around offering a comprehensive range of products and solutions aimed at meeting the diverse needs of individuals, businesses, and institutions. With a strong focus on community banking, Wintrust Financial Corp aims to provide personalized service and build lasting relationships with its customers. The company offers commercial, mortgage, and wealth management services, along with specialized services such as insurance and treasury management. Wintrust Financial Corp's business model emphasizes client-centric approaches and strategic partnerships, contributing to its continued growth and success in the financial industry.
Wintrust Financial stock
Wintrust Financial Peer Group
Wintrust Financial Ticker
Wintrust Financial FIGI
All fundamentals and in-depth analysis of Wintrust Financial
Our stock analysis for Wintrust Financial Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Wintrust Financial Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.