WTFC · NASDAQ · STOCK
Wintrust Financial (WTFC) Stock Analysis
$148.31
52W $119.61 – $167.22
72/100
$10.22B
12.0
0.83
⚠
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 72/100
, based on 6 analysts with 83% agreement.
Last updated September 17, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +3.20 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 — -16.80 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. Most analysts agree, and no major concerns are blocking a stronger rating.
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
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.14) -- balance sheet can absorb a shock — Risk
Bear Case
- Bearish candlestick pattern(s) detected: Bearish Engulfing, Evening Star.
- Risk/reward is unfavorable: 5.3% downside vs 1.8% upside.
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 17, 2026
Overall Committee Score
72/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 1%
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
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
bullish
80
/ 100 · Low 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
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 3 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 2514.55)
Investment Thesis Evolution
Committee score moved marginally from 71.8 to 71.8.
Comparing 2026-09-16 to 2026-09-17 (1 day apart).
Technical Analysis
RSI (14)
43.1
Neutral
MACD Histogram
0.161
Bullish 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
$151.90
Below
EMA 21
$153.33
Below
EMA 50
$155.13
Below
EMA 200
$148.76
Below
Fundamental Analysis
Valuation
100
Growth
77
Profitability
67
Financial Health
48
Cash Flow
70
Valuation
P/E Ratio
12.0×
P/B Ratio
1.36×
PEG Ratio
0.68
Dividend Yield
1.42%
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 12.0 (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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