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.
Analyst Confidence | Price targets range from $141 to $175, with major firms like Barclays and Piper Sandler maintaining "Overweight" ratings, highlighting Wintrust's potential for multiple expansion. |
Strategic Advantage | Explore how Wintrust's proactive capital management and expense control enhance profitability while maintaining stable net interest margins despite interest rate fluctuations. |
Financial Outlook | Analysts project robust performance with ROA between 1.1-1.3%, ROTCE of 13-14%, and 2026 EPS estimates ranging from $11.64 to $11.95, reflecting confidence in continued earnings growth. |
Organic Growth Leade | Wintrust Financial distinguishes itself in the mid-cap banking sector through exceptional organic balance sheet growth and strategic market share gains rather than acquisitions. |

Metrics to compare | WTFC | Sector Sector - Average of metrics from a broad group of related Financials sector companies | Relationship RelationshipWTFCPeersSector | |
|---|---|---|---|---|
P/E Ratio | 12.7x | 11.3x | 9.9x | |
PEG Ratio | 1.19 | 1.52 | 0.03 | |
Price / Book | 1.4x | 1.0x | 1.0x | |
Price / LTM Sales | 3.7x | 3.7x | 2.9x | |
Upside (Analyst Target) | 16.9% | 12.2% | 14.5% | |
Fair Value Upside | Unlock | 14.4% | 1.7% | Unlock |