Wintrust Financial Corporation (WTFC)
Financials · NMS
Price as at 1 Oct 2026, 03:59 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Wintrust Financial Corporation trades at $141.82, which is 147% below the $350.26 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 48 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 12.9 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
WTFC dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $1.65 | 3 |
| 2025 | $2.00 | 4 |
| 2024 | $1.80 | 4 |
| 2023 | $1.60 | 4 |
| 2022 | $1.36 | 4 |
| 2021 | $1.24 | 4 |
| 2020 | $1.12 | 4 |
| 2019 | $1.00 | 4 |
| 2018 | $0.760 | 4 |
| 2017 | $0.560 | 4 |
| 2016 | $0.480 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
WTFC earnings and analyst estimates
Recommendation mix, 14 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Wintrust Financial Corporation
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
WTFC passes 5 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
10 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Israel Englander, MILLENNIUM MANAGEMENT LLC$105.64M · 0.0% of book
- Ken Fisher, Fisher Asset Management, LLC$70.29M · 0.0% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$25.67M · 0.0% of book
- Paul Tudor Jones, TUDOR INVESTMENT CORP ET AL$17.59M · 0.0% of book
- Mairs & Power, MAIRS & POWER INC$9.43M · 0.1% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Politician trades in WTFC
Trades in WTFC disclosed by members of Congress and executive-branch officials, latest first:
- Dean Phillips · HouseBuy · $1,001 - $15,000 · traded 6 May 2020 · disclosed 15 Jun 2020
A disclosure reports a value band, not an amount, and is due up to 45 days after the trade; some arrive later. Every filer we track, each with their own page, is on the Congress trading tracker.
WTFC peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is Wintrust Financial Corporation (WTFC) undervalued?
Against our fair value estimate of $350.26, WTFC at $141.82 is 147% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own WTFC?
10 of the institutions we track reported a position in WTFC in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is WTFC's P/E ratio?
WTFC trades at 12.9 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Wintrust Financial Corporation (WTFC) pay a dividend?
Yes. Wintrust Financial Corporation yields 1.37% at the current share price. It has paid $2.15 per share over the trailing twelve months. It has paid a dividend in each of the last 26 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
When does WTFC report earnings next?
Wintrust Financial Corporation is scheduled to report on 19 Oct 2026. Companies move earnings dates, so read it as scheduled rather than certain.
Where does SteadyShares get its WTFC data?
Fundamentals for WTFC come from company filings and exchange data, as listed on NMS; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 03:59 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for WTFC, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.