WTFC · NASDAQ · STOCK
Wintrust Financial (WTFC) Stock Analysis
$154.16
52W $119.61 – $167.22
70/100
$10.35B
12.2
0.84
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is WTFC Bullish or Bearish?
Bullish.
Innellis AI committee rates Wintrust Financial (WTFC) Buy with a composite score of 70/100
, based on 6 analysts with 83% agreement.
Last updated September 05, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +4.79 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -15.21 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is revenue growing 79.3% yoy -- genuine top-line momentum. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 11.4 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Revenue growing 79.3% YoY -- genuine top-line momentum — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Low leverage (debt-to-equity 0.14) -- balance sheet can absorb a shock — Risk
- News sentiment is positive (+0.50 across 2 articles, 14d) — News
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 05, 2026
Overall Committee Score
70/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 4%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.4 is inexpensive for the broad market
Growth Analyst
bullish
82
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 79.3% YoY -- genuine top-line momentum
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
75
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.14) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
74
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.50 across 2 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3059.07)
Investment Thesis Evolution
Committee score moved marginally from 70.2 to 70.2.
Comparing 2026-09-04 to 2026-09-05 (1 day apart).
Technical Analysis
RSI (14)
49.1
Neutral
MACD Histogram
-0.275
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$143.40
Resistance
$154.18
Bollinger %B
0.38
Inside Bands
Price vs Moving Averages
EMA 9
$152.55
Above
EMA 21
$154.77
Below
EMA 50
$156.19
Below
EMA 200
$148.53
Above
Fundamental Analysis
Valuation
100
Growth
77
Profitability
67
Financial Health
48
Cash Flow
70
Valuation
P/E Ratio
12.2×
P/B Ratio
1.38×
PEG Ratio
0.69
Dividend Yield
1.40%
52W High
$167.22
52W Low
$119.61
Quality & Growth
ROE
1135.0%
ROA
115.8%
Gross Margin
6355.2%
Operating Margin
2824.1%
Revenue Growth YoY
—
Debt / Equity
0.58
AI Fundamental Assessment
P/E ratio of 12.2 (inexpensive relative to a 15-40x range); Price-to-book of 1.4x; PEG ratio of 0.7 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.3%; Return on assets of 1.2%; Net margin of 20.7%; Gross margin of 63.6%; Current ratio of 0.26 (tight short-term liquidity); Debt-to-equity of 0.58; Free cash flow per share is positive (23.69); Most recent quarter beat estimates by 2.8%; 5 consecutive earnings beats; EPS growth roughly steady (+2.2% -> +2.5% QoQ); Average YoY EPS growth of 18.7%; Analyst estimates rising over recent quarters
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