Wintrust Financial Corporation (WTFC) Stock: Price, Forecast & Analyst Target
Wintrust Financial Corporation (WTFC) — MoonshotScore 77/100 (Strong band), calculated Oct 4, 2026. Price $145.02 (+1.02%), as of the Oct 2, 2026 trading session; market cap $9.78B.
Educational signal · not a buy or sell recommendation · How to read this
Wintrust Financial Corporation · WTFC · NASDAQ · Financial Services · Banks - Regional
Research dated 2026-09-13: Wintrust Financial combines community banking with insurance-premium finance, staffing-industry services and wealth management. Its earnings case depends on whether rising profitability can persist without stress emerging across its specialized and property-related lending exposures.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Wintrust Financial (WTFC)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality, at a cheap price, though the balance sheet is only middling. Business Quality: Elite; Financial Safety: Okay; Valuation: Cheap; Growth Durability: Growing; Momentum: Slipping.
- quarterly revenue $1.10B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- Altman Z -0.48 · Piotroski F 7
Holding back: weak price trend
Helping: business quality, an attractive price
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 77 | Strong | |
| 76 | Strong | |
| 75 | Strong | |
| 75 | Strong | |
| 75 | Strong | |
| 75 | Strong |
The score was 77 in the stored Oct 3, 2026 snapshot and remains 77 in the current publication computed Oct 4, 2026 (0); the largest pillar moves were Momentum -2 and Financial Safety +1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $145.02 | |
| Change on the day | +1.02% | |
| 52-week range | $119.61–$167.22 | |
| Market capitalisation | $9.78B | |
| Price / earnings (trailing) | 11.48 | |
| Shares traded on the day | 436.0K | |
| Beta (volatility vs the S&P 500) | 0.83 |
Price & events
Point at or tab to any week for its close.
Other perspectives
Council score for Wintrust Financial (WTFC): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 29, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the WTFC film — every key number, told as a short cinematic story
~2 min · open the film
What is Wintrust Financial (WTFC), and what does it report?
Short answer · as of
Wintrust gathers deposits and lends to consumers, businesses, property owners, franchisees and community associations across its regional banking footprint.
Research dated 2026-09-13.
Wintrust gathers deposits and lends to consumers, businesses, property owners, franchisees and community associations across its regional banking footprint. It also originates mortgages for sale, finances insurance premiums and receivables, and provides payroll, billing and cash-management services to temporary staffing firms.
Reported results therefore reflect lending income alongside service charges, trust and asset-management fees, brokerage and insurance commissions, and other specialty-finance economics. The disclosed revenue lines illustrate the fee mix but do not represent the entire consolidated business.
What do the latest results show for Wintrust Financial (WTFC)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.10B.
Research dated 2026-09-13.
The latest quarter extended the upward direction in gross profit, operating profit, net income and diluted earnings per share. Income-statement revenue also advanced from the preceding period, while the annual series shows sustained expansion in revenue and net income across the displayed history.
Earnings-release revenue and earnings per share again exceeded consensus. That pattern is consistent with improving reported execution, but the available results do not isolate whether lending spreads, loan growth, credit costs or fee businesses supplied the incremental gain.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | Not available | Not available | Not available |
| Mar 31, 2026 | Not available | Not available | Not available |
| Dec 31, 2025 | Not available | Not available | Not available |
| Sep 30, 2025 | Not available | Not available | Not available |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.10B | $234M | $3.43 (diluted) |
| Q1 FY2026 | $1.06B | $227M | $3.34 (diluted) |
| Q4 FY2025 | $1.09B | $223M | $3.30 (diluted) |
| Q3 FY2025 | $1.09B | $216M | $3.20 (diluted) |
What are the financial strengths and risks for Wintrust Financial (WTFC)?
Short answer · as of
The MoonshotScore pillars rate business quality, an attractive price as strengths.
Research dated 2026-09-13.
Cash and short-term investments have risen markedly from the earlier periods shown and stand well above stated debt. Much of the broader cash-and-investments balance sits in long-term investments carrying an unclassified designation, so that aggregate should not be treated as immediately available cash.
Operating cash flow remained positive in the latest period but has varied sharply across the series, including an earlier outflow. The business also carries concentrated operating sensitivity to borrower performance across real estate, construction, franchise, mortgage-related, asset-based and insurance-premium finance; deterioration there could pressure earnings through credit costs. Recent dividends have held at a higher per-share rate following an increase.
What should you watch next at Wintrust Financial (WTFC)?
Short answer · as of
Current published price targets run low $160.00 · high $192.00 · consensus $178.88 · median $181.50 against a quoted price of $145.02 (as of Oct 2, 2026).
Research dated 2026-09-13.
The upcoming earnings release should be checked for continued growth in income-statement revenue, operating profit, net income and diluted earnings per share. Reported revenue and earnings should also be compared with consensus because recent releases have repeatedly cleared those expectations.
Cash generation deserves a longer view: operating cash flow has been uneven even as reported profit advanced. Cash and short-term investments, the composition of the investment balance and any change in specialized or property-related lending performance would help distinguish durable progress from balance-sheet movement.
What the records here don't tell us
- No forward revenue or earnings estimate is on file.
- The next earnings date is not yet scheduled in the calendar we read.
Checked against the records this page reads, on the dates shown above.
How does Wintrust Financial compare with its peers?
Short answer
Wintrust Financial's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Wintrust is not merely a branch-based regional lender. Insurance-premium finance, receivables funding, staffing-industry administration, mortgage origination for sale and wealth-management fees create revenue channels that a conventional community bank may not carry in the same combination.
The distinction does not remove regional exposure. Its banking facilities remain concentrated around Chicago and nearby Midwestern markets, with an additional presence in Florida, so local deposit competition, credit demand and borrower health still matter alongside the specialized businesses.
| Company | Price | Market value | Score |
|---|---|---|---|
| $75.21 Oct 2, 2026 | $18.3B | 98 5-pillar Oct 4, 2026 | |
| $91.91 Oct 2, 2026 | $21.8B | 98 5-pillar Oct 4, 2026 | |
| $53.11 Oct 2, 2026 | $5.90B | 95 5-pillar Oct 4, 2026 | |
| $63.17 Oct 2, 2026 | $9.22B | 94 5-pillar Oct 4, 2026 | |
| $60.84 Oct 2, 2026 | $4.08B | 93 5-pillar Oct 4, 2026 | |
| $47.04 Oct 2, 2026 | $6.48B | 92 5-pillar Oct 4, 2026 | |
| $27.04 Oct 2, 2026 | $4.13B | 92 5-pillar Oct 4, 2026 | |
| $32.03 Oct 2, 2026 | $7.68B | 91 5-pillar Oct 4, 2026 | |
| $25.11 Oct 2, 2026 | $4.14B | 91 5-pillar Oct 4, 2026 | |
| $34.11 Oct 2, 2026 | $4.08B | 89 5-pillar Oct 4, 2026 | |
| $158.14 Oct 2, 2026 | $10.1B | 87 5-pillar Oct 4, 2026 | |
| $23.42 Oct 2, 2026 | $11.1B | 84 5-pillar Oct 4, 2026 | |
| Wintrust Financial (WTFC) — this page | $145.02 | $9.78B | 77 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $160.00 – $192.00
- Consensus target
- $178.88
- Median target
- $181.50
Consensus record · Captured .
Measured against a quoted price of $145.02 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Sep 30, 2026
- Transactions
- 25
- Identified insiders
- 16
- Purchases
- 0
- Sales
- 4
- Other transactions
- 21
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
What has been published about Wintrust Financial (WTFC)?
Common Questions About WTFC (Financial Services)
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
What does Wintrust finance through its insurance-premium business?
Wintrust finances commercial and life-insurance premiums for corporate and individual clients. This places a specialized lending operation alongside its community banks and wealth businesses.
What does Wintrust sell to temporary staffing firms?
Wintrust provides receivables financing plus outsourced payroll, billing and cash-management services tailored to temporary staffing companies. Revenue can therefore reflect administrative services as well as financing activity.
Why does Wintrust serve condominium and homeowner associations?
Community associations receive specialized lending, deposit and treasury-management services. The relationship can span funding needs and day-to-day cash administration rather than a conventional standalone loan.
What does Wintrust Wealth Management add to community banking?
The wealth operation adds trust, investment and asset management, securities brokerage, retirement-plan services and tax-deferred exchange facilitation. Disclosed trust, asset-management and commission revenue shows how these activities contribute fee income beyond lending.
What is the WTFC stock price today?
The last price recorded on this page for Wintrust Financial Corporation (WTFC) is $145.02, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the WTFC price target?
The analyst consensus price target for Wintrust Financial Corporation (WTFC) is $178.88 (range $160.00 to $192.00, median $181.50), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (23 figures)
The 23 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | 9700 West Higgins Road, 8TH Floor, Rosemont, IL, 60018 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "9700 West Higgins Road, Rosemont, IL, 60018, US". |
FMP — 18 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $145.02 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T21:14:22.134Z. | |
px.change | Change on the day | +1.02% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalization | $9.78B | FMP | Financial Modeling Prep (FMP) quote — Provider market cap uses the share class it prices; a company with more than one class may show a larger total elsewhere. Market cap record date: 2026-10-04. Source capture time was not supplied. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$1.47 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.10B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $119.61–$167.22 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 11.48 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 436.0K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.83 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Timothy S. Crane | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 5,902 | FMP | Financial Modeling Prep (FMP) company profile | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY1970 through FY2025: FY1970 revenue $0.00, net result $0.00; FY2022 revenue $0.00, net result $0.00; FY2023 revenue $0.00, net result $0.00; FY2024 revenue $0.00, net result $0.00; FY2025 revenue $0.00, net result $0.00 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
earn.pt | Stored analyst price targets | low $160.00 · high $192.00 · consensus $178.88 · median $181.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_range | Analyst price target, low to high | $160.00 – $192.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $178.88 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $181.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 25 transactions · 0 purchases, 4 sales, 21 other transactions · 16 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Sep 30, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-04 | |
fin.scores | Distress and quality screens | Altman Z -0.48 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-03 · Expired observation |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 77 of 100 · Strong · pillars 86 / 49 / 87 / 66 / 34 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 77 (stored snapshot Oct 3, 2026) → 77 (current publication computed Oct 4, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
- Published
- Research standards
- Methodology · Editorial policy · Corrections
- Report a number
- sedat@stockexpertai.com
Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers a comprehensive array of financial products and services. This includes various deposit accounts, such as non-interest-bearing, interest-bearing transaction, savings, and domestic time deposits. On the lending side, it provides home equity loans, consumer loans, and real estate financing. Customers also have access to essential banking services like safe deposit facilities, ATMs, online banking, and mobile banking. Beyond standard offerings, this segment is actively involved in originating and acquiring residential mortgages for sale in the secondary market. It extends specialized lending, deposit, and treasury management solutions to condominium, homeowner, and community associations, alongside offering asset-based financing for middle-market enterprises. Further niche services encompass loan and deposit facilities for mortgage brokerage firms, financing for restaurant franchisees, direct leasing, Small Business Administration (SBA) loans, commercial mortgages, and construction loans, all forming part of its broader financial solutions. Its client base is diverse, ranging from individuals and small to mid-sized businesses to local governmental units and institutional clients, for whom it provides both personal and commercial banking. The Specialty Finance segment delivers targeted financial services, including the financing of commercial and life insurance premiums for both corporate and individual clients. It also handles accounts receivable financing, provides value-added administrative services, and offers outsourced solutions such as payroll processing, billing, and cash management tailored specifically for the temporary staffing industry. This segment rounds out its offerings with other specialized financial products. The Wealth Management segment is dedicated to assisting clients with a full suite of services, including trust and investment management, comprehensive asset management, tax-deferred exchange facilitation, securities brokerage, and retirement plan services. Wintrust maintains a significant physical presence, operating 173 banking facilities and 228 ATMs. Its geographic footprint covers the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. The company, established in 1991, is headquartered in Rosemont, Illinois. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Revenue by segment | Trust Revenue: $25.94M; Wealth Management: $146.23M; Asset Management Revenue: $97.67M; Brokerage And Insurance Product Commissions: $22.61M; Service Charges On Deposit Accounts Revenue: $65.65M | 2024-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-20 | FMP | Financial Modeling Prep (FMP) earnings |
| Most recent periodic reports | 2026-08-05 | OFFICIAL | SEC EDGAR filer submissions | |
| Cash, investments and debt | Total debt: $4.37B; Liquidity basis: cash and short-term investments; Total liabilities: $67.14B; Cash and short-term investments: $15.02B; Cash and investments: $70.57B; Long-term investments: $55.55B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $70.57B; Cash and short-term investments: $15.02B; Long-term investments: $55.55B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-08-06 | FMP | Financial Modeling Prep (FMP) dividend history |
| Dividends per share, last 12 months (split-adjusted) | $2.15 Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-09-13, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | 2026-08-06 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history |
| Next earnings report | Date: 2026-10-19; EPS estimate: $3.24 per share; Revenue estimate: $752.89M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6022 — State Commercial Banks. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
Data provided for informational purposes only.
ETFs that hold WTFC
Funds in our ETF coverage that list WTFC among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| Harbor Active Small Cap ETF (SMLL) (SMLL) | 3.73% |