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Wintrust Financial WTFC

Wintrust Financial scores average on business quality (5.5 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$143.25Oct 10, 2026
Business qualityAverage
Next earningsOct 19, 2026
Insiders, 90 daysSelling

Why it matters

  1. What Wintrust Financial does

    Wintrust Financial Corp operates community banking and specialty financial services, generating revenue primarily through interest income and fee-based services for consumers and businesses in the Midwest. The company is advancing its market presence through regional commercial lending expansion visible in recent earnings schedules.

  2. What it does best

    Wintrust excels at regional deposit gathering and commercial lending through its multi-bank model. It delivers a free cash flow margin of 54.9% based on $1.57B in free cash flow and $2.86B in revenue, outpacing regional peers like FHN at 28.8%.

  3. The main risk

    Commercial real estate concentration poses the primary threat. If regional property valuations decline, loan loss provisions will climb and erode net income currently standing at $848.0M.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityFair

Net margin sits at 29.6% with a 12.3% return on equity. Profitability remains stable as scale advantages offset regional banking cost pressures.

MoatWeak

A localized branch network locks in community business relationships. Its revenue growth ranks in the 70th percentile, but lack of proprietary tech limits a wider competitive moat.

GrowthSteady

Revenue reached $2.86B with a 11.2% growth rate, outpacing historical periods as the commercial lending engine expands across its regional footprint.

Financial healthFair

Debt-to-equity sits at 0.14, showing a conservative capital structure. Free cash flow surged to $1.57B from $860M prior, getting noticeably stronger.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

1 sold $2.2M outside pre-planned sales.

Our sealed record on WTFC

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is WTFC a good business?

Wintrust Financial scores average on the Cluenex quality check (5.5 of 10), measured against its own industry. Profitability is fair, moat weak, growth steady and financial health fair.

Are insiders buying WTFC?

In the last 90 days of SEC Form 4 filings: 1 sold $2.2M outside pre-planned sales.

When does WTFC report earnings?

Oct 19, 2026.

For members

See WTFC today

  • Today's verdict on WTFC, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “Wintrust Financial (WTFC)”, https://cluenex.com/stocks/wtfc/, data as of Oct 10, 2026.