Wintrust Financial (WTFC) Stock Analysis

November 11, 2026

This is a peer-relative look at Wintrust Financial (WTFC): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Wintrust Financial (WTFC)
Profile Item	WTFC
Name	Wintrust Financial Corporation
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Regional Banks
Market Capitalization	10.21 billion USD
Currency	USD
Exchange	Nasdaq
Listing Date	April 16, 1998
Security Type	Common Stock

Price Performance

Cumulative Growth

WTFC

GSPC

Wintrust Financial (WTFC) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Wintrust Financial (WTFC) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Wintrust Financial (WTFC) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Wintrust Financial (WTFC) metric values compared with Banks industry-group medians
Metric	Current stock: WTFC	Industry group median
Total Return (1Y)	21.25%	30.28%
Total Return (3Y, Annualized)	28.56%	26.57%
Total Return (5Y, Annualized)	13.01%	9.43%

Risk Profile

Drawdown History

WTFC

GSPC

Wintrust Financial (WTFC) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Wintrust Financial (WTFC) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Wintrust Financial (WTFC) metric values compared with Banks industry-group medians
Metric	Current stock: WTFC	Industry group median
Volatility (1Y, Annualized)	23.68%	24.34%
Beta (5Y)	0.85	0.72
Max Drawdown (5Y)	-40.71%	-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. WTFC is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Wintrust Financial (WTFC) metric values compared with Banks industry-group medians
Metric	Current stock: WTFC	Industry group median
Sharpe Ratio (1Y)	0.72	1.08
Sortino Ratio (1Y)	1.07	1.61

Profitability

ROE (TTM)

Wintrust Financial (WTFC) posts ROE of 12.88%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

WTFC

Banks industry group

12.88%

Group distribution

Max: 19.84%
Q3: 13.67%
WTFC: 12.88%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

Largest peers

JPM: 18.01%
RY: 16.21%
HSBC: 14.22%
WFC: 12.91%
WTFC: 12.88%
BAC: 10.73%
MUFG: 9.46%

Where Wintrust Financial (WTFC) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Wintrust Financial (WTFC) keeps 32.81% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

WTFC

Banks industry group

32.81%

Group distribution

Max: 47.19%
Q3: 35.25%
WTFC: 32.81%
Median: 31.21%
Q1: 27.11%
Min: 14.93%

Largest peers

HSBC: 41.16%
JPM: 34.59%
RY: 33.87%
WTFC: 32.81%
BAC: 28.06%
WFC: 27.64%
MUFG: 27.45%

Where Wintrust Financial (WTFC) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Wintrust Financial (WTFC) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Wintrust Financial (WTFC) metric values compared with Banks industry-group medians
Metric	Current stock: WTFC	Industry group median
ROE (TTM)	12.88%	11.49%
ROA (TTM)	1.27%	1.24%
Net Margin (TTM)	32.81%	31.21%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Wintrust Financial (WTFC) grew revenue 11.23%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Wintrust Financial (WTFC): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Wintrust Financial (WTFC) grew earnings per share 10.57%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Wintrust Financial (WTFC): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Wintrust Financial (WTFC) metric values compared with Banks industry-group medians
Metric	Current stock: WTFC	Industry group median
Revenue Growth (YoY)	11.23%	11.23%
Revenue Growth (3Y CAGR)	11.69%	6.33%
EPS Growth (YoY)	10.57%	16.14%
EPS Growth (3Y CAGR)	12.44%	3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Wintrust Financial (WTFC) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Wintrust Financial (WTFC) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Wintrust Financial (WTFC) metric values compared with Banks industry-group medians
Metric	Current stock: WTFC	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Wintrust Financial (WTFC) has dividend yield of 1.42%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

WTFC

Banks industry group

1.42%

Group distribution

Max: 5.79%
Q3: 3.18%
Median: 2.39%
WTFC: 1.42%
Q1: 1.20%
Min: 0.00%

Largest peers

MUFG: 406.81%
RY: 3.23%
BAC: 2.33%
WFC: 2.19%
JPM: 1.82%
WTFC: 1.42%
HSBC: 0.86%

Where Wintrust Financial (WTFC) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Wintrust Financial (WTFC) has payout ratio of 16.49%, below the peer payout band. More earnings are being kept inside the business, but that is a dividend-policy choice rather than a coverage advantage on its own.

WTFC

Banks industry group

16.49%

Group distribution

Max: 70.75%
Q3: 41.28%
Median: 29.26%
Q1: 18.98%
WTFC: 16.49%
Min: 0.00%

Largest peers

HSBC: 53.57%
RY: 41.49%
MUFG: 34.74%
BAC: 27.62%
WFC: 26.09%
JPM: 25.80%
WTFC: 16.49%

Where Wintrust Financial (WTFC) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Wintrust Financial (WTFC) metric values compared with Banks industry-group medians
Metric	Current stock: WTFC	Industry group median
Dividend Yield (TTM)	1.42%	2.39%
Dividend Payout Ratio (TTM)	16.49%	29.26%

Valuation

P/E Ratio (TTM)

Wintrust Financial (WTFC) trades at P/E ratio of 11.60, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

WTFC

Banks industry group

11.60

Group distribution

Max: 18.16
Q3: 13.75
Median: 11.81
WTFC: 11.60
Q1: 10.64
Min: 6.49

Largest peers

RY: 17.58
JPM: 14.03
MUFG: 13.71
WFC: 11.84
BAC: 11.79
WTFC: 11.60
HSBC: 11.38

Where Wintrust Financial (WTFC) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Wintrust Financial (WTFC) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Wintrust Financial (WTFC) trades at 1.49 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

WTFC

Banks industry group

1.49

Group distribution

Max: 2.28
Q3: 1.58
WTFC: 1.49
Median: 1.32
Q1: 1.10
Min: 0.59

Largest peers

HSBC: 6.87
RY: 2.92
JPM: 2.53
MUFG: 1.64
WFC: 1.59
WTFC: 1.49
BAC: 1.26

Where Wintrust Financial (WTFC) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Wintrust Financial (WTFC) metric values compared with Banks industry-group medians
Metric	Current stock: WTFC	Industry group median
P/E Ratio (TTM)	11.60	11.81
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.49	1.32
Free Cash Flow Yield (TTM)	--	--