WTFC - NASDAQ
Wintrust Financial Corporation
$148.02
-0.77%Wintrust Financial Corporation operates as a financial holding company. It operates in 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 (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers 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. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. 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; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 173 banking facilities and 228 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
At a Glance
Live SnapshotWintrust Financial Corporation Street Expectations Map
Wall Street analysts project that WTFC stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 174.57, with estimates ranging from a low of 160.00 to a high of 185.00.
The consensus 1-year price target stands at 174.57, with estimates ranging from a low of 160.00 to a high of 185.00.
Analyst Consensus Analysis
Upside Potential
Strong upside potential. Consensus indicates attractive return opportunity with favorable risk-reward profile.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Wintrust Financial Corporation Forward Estimates of Revenue
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Generally favorable outlook with reasonable growth prospects and analyst support.
Wintrust Financial Corporation Forward Estimates of Net Income
Forward Growth Analysis
Declining expectations indicate headwinds—investigate whether temporary or structural issues.
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Reasonable estimate spread indicates general agreement with normal forecast variance.
Generally favorable outlook with reasonable growth prospects and analyst support.
Wintrust Financial Corporation Forward Estimates of EPS
Forward Growth Analysis
Flat growth suggests market maturity or near-term challenges offsetting expansion efforts.
Good analyst coverage ensures reliable estimates with diverse professional perspectives.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Generally favorable outlook with reasonable growth prospects and analyst support.
Wintrust Financial Corporation Forward Estimates of EBIT
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Generally favorable outlook with reasonable growth prospects and analyst support.
Wintrust Financial Corporation Forward Estimates of EBITDA
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Generally favorable outlook with reasonable growth prospects and analyst support.
Wintrust Financial Corporation Forward Estimates of SG&A Expense
Forward Growth Analysis
Declining expectations indicate headwinds—investigate whether temporary or structural issues.
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Generally favorable outlook with reasonable growth prospects and analyst support.
Wintrust Financial Corporation Insider Positioning
During the last 12 months, insiders have purchased $63K and sold $6.78M worth of WTFC shares, resulting in $6.72M of net selling activity.
3 Months
0
0.00
13.1K
1.95M
-2.0M
-$1.95M
3-6 Months
0
0.00
15.8K
2.38M
-2.4M
-$2.38M
6-9 Months
0
0.00
0
0.00
+0
+$0
9-12 Months
2.4K
62.77K
18.7K
2.44M
-2.4M
-$2.38M
Top Buyers
Wehmer Edward J
Officer: Founder And Senior Advisor
$63K
Top Sellers
Dykstra David A
Officer: Vice Chairman And Coo
$3.39M
Boege Kathleen M
Officer: Evp, Chief Legal Ofc, And Sec
$1.23M
Murphy Richard B
Officer: Vice Chair,Chief Lending Ofc
$1.06M
Stoehr David L
Officer: Chief Financial Officer
$820K
Hahnfeld Jeffrey D
Officer: Evp-Controller & Chief Acc Off
$123K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $6.72M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
5 insider sellers vs. 1 buyers. Widespread selling across multiple insiders may signal concerns.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
Related Guides
Continue your WTFC research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.