Fundamentals Overview
Wintrust Financial Corporation is near the high of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
+91% upside vs price
Profitability
Risk (Beta)
0.84 — in line vol
Earnings & growth
BullzEye Analysis
Our composite tilts Buy on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +91% upside vs price · Analyst grade: B+
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B+. Current institutional positions: Buy: 19, Outperform: 3, Overweight: 8.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $310.61; current price is $162.62. That’s a +91% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 12.84 |
| DCF value (model) | $310.61 (91% upside) |
| PEG (TTM) | 0.54 |
| P/B (TTM) | 1.48 |
| P/S (TTM) | 2.56 |
| P/FCF (TTM) | 6.52 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.27 |
| Quick Ratio (TTM) | 0.27 |
| Cash Ratio (TTM) | 0.06 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 20.11% |
| Gross margin (TTM) | 62.85% |
| Operating margin (TTM) | 27.2% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for WTFC.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Truist Securities | maintain | Buy | Buy | 2026-07-10 |
| Barclays | maintain | Overweight | Overweight | 2026-07-07 |
| DA Davidson | maintain | Buy | Buy | 2026-06-30 |
| TD Cowen | maintain | Buy | Buy | 2026-04-23 |
| Citigroup | maintain | Buy | Buy | 2026-04-22 |
| Piper Sandler | maintain | Overweight | Overweight | 2026-04-22 |
| DA Davidson | maintain | Buy | Buy | 2026-04-22 |
| RBC Capital | maintain | Outperform | Outperform | 2026-04-22 |
| Barclays | maintain | Overweight | Overweight | 2026-04-22 |
| DA Davidson | maintain | Buy | Buy | 2026-04-21 |
| Truist Securities | maintain | Buy | Buy | 2026-03-23 |
| Truist Securities | maintain | Buy | Buy | 2026-01-26 |
| Citigroup | maintain | Buy | Buy | 2026-01-23 |
| Stephens & Co. | maintain | Overweight | Overweight | 2026-01-22 |
| Piper Sandler | maintain | Overweight | Overweight | 2026-01-22 |
| DA Davidson | maintain | Buy | Buy | 2026-01-22 |
| RBC Capital | maintain | Outperform | Outperform | 2026-01-22 |
| TD Cowen | maintain | Buy | Buy | 2026-01-22 |
| Barclays | maintain | Overweight | Overweight | 2026-01-22 |
| TD Cowen | maintain | Buy | Buy | 2026-01-07 |
| Citigroup | maintain | Buy | Buy | 2025-12-30 |
| Barclays | maintain | Overweight | Overweight | 2025-12-19 |
| Truist Securities | maintain | Buy | Buy | 2025-10-23 |
| DA Davidson | maintain | Buy | Buy | 2025-10-22 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-10-22 |
| Jefferies | maintain | Buy | Buy | 2025-10-21 |
| Jefferies | maintain | Buy | Buy | 2025-09-03 |
| Truist Securities | maintain | Buy | Buy | 2025-07-24 |
| RBC Capital | maintain | Outperform | Outperform | 2025-07-23 |
| DA Davidson | maintain | Buy | Buy | 2025-07-23 |