# Wintrust Financial Corporation (WTFC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $154.12, market value $10.4 billion.

## Valuation
- **P/E (trailing): 12.4×** (5-yr avg 10.9×, 3-yr avg 11.1×). Wintrust Financial Corporation trades at 12.4× trailing earnings, close to its own five-year average of 10.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.05**. A PEG of 1.05 is in the range usually read as fairly priced for its growth.
- **Price / sales: 39.1×**. Each dollar of revenue is priced at 39.1×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 8.1%**. The inverse of the P/E: 8.1% of the price is earned each year.

## Profitability
- **Net margin: 310.1%**. 310.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.3%**. 11.3% on shareholders' equity is solid.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 5.9%** (3-yr 6.9%/yr, 5-yr 9.3%/yr). Revenue grew 5.9% over the last year, against 9.3% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 10.6%** (3-yr 12.4%/yr, 5-yr 19.5%/yr). Earnings per share rose 10.6%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): -13.3%/yr**. Free cash flow has compounded at -13.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.43%** ($2.10 per share, trailing). Wintrust Financial Corporation yields 1.43%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 21%**. 21% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 12.3%/yr** (1-yr 11.1%). The dividend has compounded at 12.3% a year over five years, doubling roughly every 6 years at that pace.

## Analyst view
- **Analyst consensus: buy** (14 analysts). 14 analysts cover Wintrust Financial Corporation; the consensus is buy, with an average price target of $180.07 (+17% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 11.5%** (YTD 11.0%, 3-mo 0.8%). The shares are up 11.5% over twelve months including dividends.
- **From 52-week high: -7.8%** (28.9% above the low). Trading 8% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 0.84** (volatility 25%). Beta of 0.84 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=WTFC · Page: https://foliofundamentals.com/stocks/wtfc

Not investment advice.