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WINTRUST FINANCIAL CORP WTFC

Nasdaq · stock · State Commercial Banks · website · IPO 1974-09-16 · LEI

WINTRUST FINANCIAL CORP statistics & valuation

Market cap$10.6B
P / E12.9×
P / S39.9×
P / B1.5×
P / FCF12.3×
Dividend yield1.60%
Net margin310.1%
Return on equity11.3%
FCF margin323.9%
Graham number +1.8%$165.60

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($165.60); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
185.40% 225.00% 220.30% 172.20% 225.00% 234.10% 282.40% 277.20% 310.10% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
7.70% 8.70% 10.50% 9.60% 7.10% 10.40% 10.60% 11.50% 11.00% 11.30% 2016201720182019202020212022202320242025
Shares outstanding
54.3M 56.7M 57.2M 57.8M 58.0M 57.8M 60.8M 62.1M 66.5M 67.9M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.90% 1.10% 1.00% 0.60% 0.90% 1.00% 1.10% 1.10% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
246.40% 202.50% 113.90% -342.20% 518.30% 607.00% 316.60% 253.50% 323.90% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$3.66 $4.40 $5.86 $6.03 $4.68 $7.58 $8.02 $9.58 $10.31 $11.40 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

WINTRUST FINANCIAL CORP trades at about 14.3× earnings — above its 10-year norm (10-year range 10.1×–19.6×, median 12.9×).

10.1× 19.6×

Shaded band = 10-year range (10.1×–19.6×); dot = today's 14.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin310.1%277.2%282.4%234.1%225.0%172.2%220.3%225.0%185.4%—
FCF margin323.9%253.5%316.6%607.0%518.3%-342.2%113.9%202.5%246.4%—
Return on assets1.2%1.1%1.1%1.0%0.9%0.6%1.0%1.1%0.9%0.8%
Return on equity11.3%11.0%11.5%10.6%10.4%7.1%9.6%10.5%8.7%7.7%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.