Loading…
Chicago-based multi-bank holding company offering community banking, wealth management and specialty finance.
Chicago-based multi-bank holding company offering community banking, wealth management and specialty finance.
Earns the spread between loan and deposit interest across a network of local banks in the Chicago area and nearby states. A lender that finances insurance premiums for businesses, in the US and Canada, adds income that does not depend on the local economy. Mortgage banking and wealth management add fees.
Moat: narrow (distribution, customer qualification). Multi-charter community-bank model preserves local relationships; specialty finance niches add differentiated fee income.
Headquarters: Rosemont, Illinois, United States · Founded: 1991 · Employees: 5,902
Size Wintrust Financial (WTFC) is a United States Financials company (Regional Banks) with a market value of $10.2B, the 764th largest of 3,117 United States companies the cockpit tracks. Shares closed at $151.27 on 6 Nov 2026.
Performance Over six months the shares fell 0.2%, against +5.5% for the median peer and -1.1% for the United States market (cap-weighted) — 7th lowest of 21 in its peer set.
Growth Revenue grew 5.6% over the last twelve months (peer median +6.2%); the operating margin is 42.2% (peer median 40.8%).
Valuation It trades at 1.49× book value against a peer median of 1.21× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 12.2%; Wintrust Financial delivers 12.9%, so the price asks less than the business earns today.
Backlog Backlog (remaining performance obligations) was $2.60M at 31 Dec 2025, up 100% on a year earlier — 0.0 years of trailing revenue. Backlog detail →
Credit Wintrust Financial has 1 bond outstanding ($300M), rated BBB by the agencies and trading like BBB- at a weighted spread of 96 bp.
Short interest Short interest is 4.4% of the free float (15 Oct 2026).
Next results Next results expected around 20 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $4.42B | $4.21B | $3.97B | $3.31B | $2.24B |
| Revenue growth | — | +6% | +20% | +48% | — |
| Net income | $923M | $824M | $695M | $623M | $510M |
| Free cash flow | n/a | $853M | $653M | $708M | $979M |
| Capital expenditure | n/a | $50.0M | $86.0M | $46.4M | $53.4M |
| Total debt | $4.36B | $4.48B | $4.24B | $3.66B | $3.60B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Wintrust Financial WTFC | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% |
| Old National Bancorp ONB | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% |
| Associated Banc-Corp ASB | $5.64B | +6% | +23% | 10% | 1.07× | 9.3% |
| Byline Bancorp BY | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | WTFC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +4.9% | +2.2% | 7th highest of 21 |
| 6-month return | -0.2% | +5.5% | 7th lowest of 21 |
| Return on equity | 12.9% | 9.1% | 6th highest of 21 |
| Price / book | 1.49× | 1.21× | 7th most expensive of 21 |
| Trailing P/E | 11.6× | 14.6× | 6th cheapest of 20 |
| ROE the price implies | 12.2% | 7.9% | 3rd most demanding of 20 |
| ROE delivered | 12.9% | 9.2% | 6th highest of 20 |
| Bond spread | 96 bp | 132 bp | 2nd tightest of 4 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Wintrust Financial WTFC | United States | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% | 12.9% |
| Chang Hwa Commercial Bank 2801.TW | Taiwan | $10.2B | +34% | +3% | 9% | 1.46× | 4.7% | 9.2% |
| Chiba Bank 8331.T | Japan | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% | 8.3% |
| Shizuoka Financial 5831.T | Japan | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% | 8.2% |
| Popular BPOP | United States | $9.83B | +5% | +4% | 17% | 1.58× | 11.1% | 16.6% |
| Cullen/Frost Bankers CFR | United States | $9.65B | +12% | +2% | 16% | 2.52× | 14.2% | 16.2% |
| First Horizon FHN | United States | $10.9B | -6% | -8% | 8% | 1.34× | 9.7% | 8.0% |
| Yokohama Financial 7186.T | Japan | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% | 8.0% |
| SBI Shinsei Bank 8303.T | Japan | $9.20B | -11% | +27% | 10% | 1.15× | 4.7% | 9.9% |
| IBK 024110.KS | South Korea | $11.4B | -14% | +28% | 8% | 0.49× | 4.2% | n/a |
| Chongqing Rural Commercial Bank 3618.HK | Hong Kong | $11.5B | -4% | +4% | 9% | 0.44× | 4.1% | 9.5% |
| Central Bancompany CBC | United States | $9.04B | +38% | +10% | 13% | 2.35× | 10.9% | 12.6% |
| Columbia Banking System COLB | United States | $8.62B | +1% | +22% | 11% | 1.19× | 9.3% | 11.2% |
| Prosperity Bancshares, Inc.(R) PB | United States | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% | 6.5% |
| CNPC Capital 000617.SZ | China | $12.3B | -31% | -14% | 5% | 0.76× | 7.9% | 4.6% |
| Western Alliance Bancorp WAL | United States | $8.13B | -8% | +8% | 13% | 1.11× | 12.9% | 13.2% |
| Bank of Chengdu 601838.SS | China | $12.8B | +5% | +2% | 15% | 0.92× | 3.1% | 15.1% |
| Luzerner Kantonalbank LUKN.SW | Switzerland | $7.86B | +28% | -3% | 9% | 1.76× | n/a | 8.9% |
| Commerce Bancshares CBSH | United States | $7.82B | +6% | +9% | 15% | 1.87× | 12.1% | 14.9% |
| Taiwan Cooperative Financial Hl 5880.TW | Taiwan | $13.6B | +22% | -3% | 9% | 1.55× | 4.8% | 8.9% |
| Shanghai Commercial & Savings Bank 5876.TW | Taiwan | $7.56B | +34% | -17% | 9% | 1.17× | 4.0% | 8.6% |
Wintrust Financial has 1 bond outstanding with $300M face value. The agencies rate it BBB; its bonds trade like BBB-. Weighted yield 5.58%, a spread of 96 bp over government bonds.
Wintrust Financial reported $2.60M of remaining performance obligations at 31 Dec 2025, up 100% from a year earlier. That is 0.0 years of trailing revenue already under contract.