Wintrust Financial Corporation Common Stock (WTFC)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Wintrust as a regional bank, not a tech compounder. Its value comes from local deposit relationships, commercial lending, specialty finance and wealth management; that can create modest switching costs, but no wide moat because banks live on funding and underwriting discipline. At the 2026-10-26 close of $151.17, FairStock calculates P/E 11.59, P/B 1.49, PEG 0.57, ROE 12.88%, dividend yield 1.45%, beta 0.89, Piotroski 5/9 and FairStock Score 58/100. Filed figures are solid: FY2023 net income $622.6M and diluted EPS $9.58; FY2024 $695.0M and $10.31; FY2025 $823.8M and $11.40. The latest filed quarter, fiscal Q2 2026, had net income $233.7M and diluted EPS $3.30 versus $195.5M and $2.78 in fiscal Q2 2025. FairStock's Lynch rule calls it a STALWART: profit growth 23.0% a year over five years and revenue 9.3%. The 12.88% ROE is respectable, not spectacular, and P/B 1.49 already pays for some quality. I cannot assess CET1, net interest margin, credit costs or nonperforming loans because they are not in the data; D/E is N/A, and ROCE 1.27 is not a useful bank yardstick. The price looks fair to mildly cheap on earnings and growth, but a Graham-style investor should demand a clear cushion for credit-cycle risk. This is a watch-and-verify situation, not a fat-pitch bargain.

In plain English: Wintrust is a regional bank holding company that provides community, commercial, specialty finance and wealth services. The business looks reasonably strong: profits and profit per share have grown steadily, and the stock price looks moderate compared with the company's profits and accounting value. It is not obviously cheap or expensive, and much depends on credit conditions that are not shown in the data.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer