Stocktoria
WINTRUST FINANCIAL CORP WTFC
WINTRUST FINANCIAL CORP (WTFC) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 1.60% (safety: safe). FY2025 revenue was $265.6M at a 310.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-07-22 | TD Cowen | Buy (main) |
| 2026-07-22 | DA Davidson | Buy (main) |
| 2026-07-10 | Truist Securities | Buy (main) |
| 2026-07-07 | Barclays | Overweight (main) |
| 2026-06-30 | DA Davidson | Buy (main) |
| 2026-04-23 | TD Cowen | Buy (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| WTFC | WINTRUST FINANCIAL CORP | 4/9 | — | 12.9 | +5.9% |
| FMNB | FARMERS NATIONAL BANC CORP /OH/ | 6/9 | — | 16 | +3.9% |
| WASH | WASHINGTON TRUST BANCORP INC | 5/9 | — | 12.8 | +127.6% |
| COFS | CHOICEONE FINANCIAL SERVICES INC | 4/9 | — | 17.5 | +63.6% |
| UVSP | UNIVEST FINANCIAL Corp | 6/9 | — | 12.8 | +9.6% |
| ACNB | ACNB CORP | 5/9 | — | 16.7 | +45.1% |
| COLB | COLUMBIA BANKING SYSTEM, INC. | 3/9 | — | 16.9 | +18.8% |
All Finance, Insurance & Real Estate companies →
About WINTRUST FINANCIAL CORP
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.
FAQ
Is WTFC financially healthy?
WINTRUST FINANCIAL CORP's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does WTFC pay a dividend, and is it safe?
Yes. WINTRUST FINANCIAL CORP pays a dividend yielding about 1.60% with a 20.6% payout ratio, rated “safe” for safety.
How profitable is WTFC?
In FY2025, WINTRUST FINANCIAL CORP had a net margin of 310.1% and a return on equity of 11.3%.
Is WTFC overvalued or undervalued?
WINTRUST FINANCIAL CORP trades at about 14.3× trailing earnings — above its 10-year norm (10-year range 10.1×–19.6×, median 12.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for WTFC?
The average Wall-Street price target for WINTRUST FINANCIAL CORP is $180.07, about 10.7% above the recent price, from 14 analysts (consensus: buy).
Is WTFC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on WINTRUST FINANCIAL CORP: a Piotroski F-score of 4/9, a P/E of about 12.9×, a dividend yield of 1.60%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.