Wintrust Financial Corporation (WTFC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Wintrust Financial Corporation stock (WTFC) is currently trading at $136.93. Wintrust Financial Corporation PE ratio is 11.79. Wintrust Financial Corporation PS ratio (Price-to-Sales) is 3.48. Analyst consensus price target for WTFC is $169.93. WallStSmart rates WTFC as Buy.
- WTFC PE ratio analysis and historical PE chart
- WTFC PS ratio (Price-to-Sales) history and trend
- WTFC intrinsic value — DCF, Graham Number, EPV models
- WTFC stock price prediction 2025 2026 2027 2028 2029 2030
- WTFC fair value vs current price
- WTFC insider transactions and insider buying
- Is WTFC undervalued or overvalued?
- Wintrust Financial Corporation financial analysis — revenue, earnings, cash flow
- WTFC Piotroski F-Score and Altman Z-Score
- WTFC analyst price target and Smart Rating
Wintrust Financial Corporation
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WTFC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Wintrust Financial Corporation (WTFC)
WTFC trades at a significant discount to its Graham intrinsic value of $436.67, offering a 65% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Wintrust Financial Corporation (WTFC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Wintrust Financial Corporation (WTFC) Key Strengths (6)
Keeps $47 of every $100 in revenue after operating costs
Keeps $31 of every $100 in revenue as net profit
96.90% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.30x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Wintrust Financial Corporation (WTFC) Areas to Watch (4)
Moderate profitability with room for improvement
Revenue is fairly priced at 3.48x sales
Solid revenue growth at 10.50% per year
Solid earnings growth at 19.40%
Wintrust Financial Corporation (WTFC) Detailed Analysis Report
Overall Assessment
This company scores 75/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 5.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including PEG Ratio (1.17), Price/Book (1.30) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 46.60%, Profit Margin at 31.40%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales, Revenue Growth. Some valuation metrics including Price/Sales (3.48) suggest expensive pricing. Growth concerns include Revenue Growth at 10.50%, EPS Growth at 19.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WTFC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
WTFC's Price-to-Sales ratio of 3.48x sits near its historical average of 3.48x (43th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 5% below its historical high of 3.67x set in Mar 2026, and 5% above its historical low of 3.33x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Wintrust Financial Corporation (WTFC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Wintrust Financial Corporation is a mature, profitable business with steady cash generation. Revenue reached 2.6B with 11% growth year-over-year. Profit margins are strong at 31.4%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 31.4% and operating margin of 46.6% demonstrate strong pricing power and operational efficiency.
Generating 229M in free cash flow and 252M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Wintrust Financial Corporation.
Bottom Line
Wintrust Financial Corporation is a well-established business delivering consistent profitability with 31.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(50 last 3 months)
| Insider | Type | Shares |
|---|---|---|
HAHNFELD, JEFFREY D EVP-CONTROLLER & CHIEF ACC OFF | Sell | -530 |
| Insider | Type | Shares |
|---|---|---|
MURPHY, RICHARD B VICE CHAIR,CHIEF LENDING OFC | Sell | -3,979 |
| Insider | Type | Shares |
|---|---|---|
LEE, DAVID ERIC VICE CHAIR, WINTRUST FINANCIAL | Sell | -558 |
| Insider | Type | Shares |
|---|---|---|
HAHNFELD, JEFFREY D EVP-CONTROLLER & CHIEF ACC OFF | Sell | -314 |
Data sourced from SEC Form 4 filings
Last updated: 10:05:42 AM
About Wintrust Financial Corporation(WTFC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Wintrust Financial Corporation is a financial holding company. The company is headquartered in Rosemont, Illinois.