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WTFCWintrust Financial CorporationHold6.0·$159.26+2.19%
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Wintrust Financial Corporation (WTFC) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $159.26, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Chicago metropolitan, southern Wisconsin and west Michigan market areas; Analyst target reached - limited upside remaining.

Wintrust Financial is a $71.1-billion-asset Illinois financial holding company providing community banking (16 subsidiary banks, 209 locations), specialty finance (insurance premium finance, equipment leasing, AR financing), and wealth management ($46.5B AUA) primarily in the... Read more

$159.26-2.0% A.UpsideScore 6.0/10#64 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield1.32%(5y avg 1.59%)Payout17.18%sustainable
Stop $152.42Target $156.12(resistance)A.R:R -0.5:1
Analyst target$174.67+9.7%12 analysts
$156.12our TP
$159.26price
$174.67mean
$150
$190

Hold if already holding. Not a fresh buy at $159.26, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Chicago metropolitan, southern Wisconsin and west Michigan market areas; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 68, MACD bullish. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 36d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-14
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Jul 20, 202636d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Positive momentum
Risks
Concentration risk — Geographic: Chicago metropolitan, southern Wisconsin and west Michigan market areas
Analyst target reached - limited upside remaining
Near 52-week high (2.3% away)

Key Metrics

P/E (TTM)13.3
P/E (Fwd)11.5
Mkt Cap$10.7B
EV/EBITDA
Profit Mgn32.0%
ROE12.3%
Rev Growth10.4%
Beta0.85
Dividend1.32%
Rating analysts19

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C1.32bearish
IV57%elevated
Max Pain$185+16.2% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHGeographicChicago metropolitan, southern Wisconsin and west Michigan market areas
    10-K Item 1A: 'Since our business is concentrated in the Chicago metropolitan, southern Wisconsin and west Michigan market areas, economic declines in the economy of this region could adversely affect our business.'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
0.0
Support Resistance
0.0
Gap
5.0
52w Position
9.6
GatesA.R:R -0.5=NEGATIVEMomentum 7.5>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 36d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Moderate
RSI
68 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $143.22Resistance $159.31

Price Targets

$152
$156
A.Upside-2.0%
A.R:R-0.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-4.6% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-20 (36d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is WTFC stock a buy right now?

Hold if already holding. Not a fresh buy at $159.26, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Chicago metropolitan, southern Wisconsin and west Michigan market areas; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 68, MACD bullish. Maintain position. Not compelling to add more. Target $156.12 (-2.0%), stop $152.42 (−4.5%), A.R:R -0.5:1. Score 6.0/10, moderate confidence.

What is the WTFC stock price target?

Take-profit target: $156.12 (-2.0% upside). Target $156.12 (-2.0%), stop $152.42 (−4.5%), A.R:R -0.5:1. Stop-loss: $152.42.

What are the risks of investing in WTFC?

Concentration risk — Geographic: Chicago metropolitan, southern Wisconsin and west Michigan market areas; Analyst target reached - limited upside remaining; Near 52-week high (2.3% away).

Is WTFC overvalued or undervalued?

Wintrust Financial Corporation trades at a P/E of 13.3 (forward 11.5). TrendMatrix value score: 7.7/10. Verdict: Hold.

What do analysts say about WTFC?

19 analysts cover WTFC with a consensus score of 4.0/5. Average price target: $175.

What does Wintrust Financial Corporation do?Wintrust Financial is a $71.1-billion-asset Illinois financial holding company providing community banking (16...

Wintrust Financial is a $71.1-billion-asset Illinois financial holding company providing community banking (16 subsidiary banks, 209 locations), specialty finance (insurance premium finance, equipment leasing, AR financing), and wealth management ($46.5B AUA) primarily in the Chicago metropolitan area, southern Wisconsin, and west Michigan. Community banking represents 74.7% of consolidated net revenues.

Related stocks: GABC (German American Bancorp, Inc.) · IFS (Intercorp Financial Services In) · CUBI (Customers Bancorp, Inc) · NIC (Nicolet Bankshares Inc.) · WSBC (WesBanco, Inc.)
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