WTFC

Based on Wintrust Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Wintrust Financial do?

Wintrust Financial is a holding company operating across three segments: Community Banking, Specialty Finance, and Wealth Management. It serves individuals, small to mid-sized businesses, local governments, and institutional clients primarily in the Midwest, offering loans, deposits, insurance premium financing, and wealth services.

Does WTFC pay dividends?

Yes, Wintrust Financial pays a regular dividend. This is consistent with its profile as an established regional bank holding company. Investors should review the current dividend rate and payout history on the company's investor relations page, as amounts can change with board decisions.

When does WTFC report earnings?

Wintrust Financial reports on a quarterly cadence, as is standard for US-listed bank holding companies. Specific dates are announced in advance by the company. Check Wintrust's investor relations page for the most current earnings calendar.

Is WTFC a good stock to buy?

UQS Score rates WTFC as Below Average overall. While the Quality pillar is rated Good and Valuation is Attractive, the Moat, Growth, and Risk pillars are all Weak. Whether that profile suits your investment approach depends on your risk tolerance and portfolio goals — the full pillar breakdown is available to Pro members.

Is WTFC overvalued?

The UQS Valuation pillar for WTFC is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. However, an attractive valuation alone does not offset the Weak ratings in Growth and Risk. View the complete valuation metrics with a UQS Pro account.

How does WTFC compare to its competitors?

Wintrust competes with regional peers like SouthState Corporation, Popular, Inc., and UMB Financial. Each operates in distinct geographies or serves different customer niches. UQS Pro members can view side-by-side pillar comparisons to see how WTFC stacks up across Quality, Moat, Growth, Risk, and Valuation.

What is WTFC's market cap bracket?

Wintrust Financial is classified as a mid-cap company. This places it in a tier that typically offers more liquidity than small-cap regional banks while remaining smaller than the major national banking franchises.

Who founded Wintrust Financial?

Wintrust Financial was founded in 1998. Detailed founding history, including the names of its original leadership, is publicly available through the company's official history and press materials on its investor relations site.

Is WTFC a long-term quality indicator?

As a long-term quality indicator, WTFC's UQS profile presents a mixed picture. The Good Quality rating suggests reasonable operational fundamentals, but Weak Moat and Growth ratings raise questions about durable competitive advantage over time. Long-term investors should weigh these factors carefully using the full analysis available to Pro members.

What is the main competitive advantage of Wintrust Financial?

Wintrust's community-focused banking model and diversified specialty finance offerings — including insurance premium financing and accounts receivable services — provide some differentiation. However, the UQS Moat pillar is rated Weak, indicating these advantages may not be strongly defensible against larger or more specialized competitors.

What sector does WTFC belong to?

WTFC belongs to the Financial Services sector, specifically operating as a regional bank holding company. It sits within a competitive landscape that includes community banks, regional banks, and specialty finance providers across the United States.

Is WTFC a growth stock or value stock?

Based on its UQS profile, WTFC leans toward the value side of the spectrum. The Valuation pillar is rated Attractive while the Growth pillar is rated Weak, suggesting the market is not pricing in strong expansion expectations — a profile more consistent with value-oriented positioning than growth.

Wintrust Financial Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

Wintrust Financial Corporation faces growth headwinds with declining or stagnant revenue trends.

Wintrust Financial Corporation presents elevated risk with concerns around leverage or financial stability.

Wintrust Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.

Wintrust Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for WTFC.

The UQS (Unified Quality Score) for Wintrust Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Wintrust Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Wintrust Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.