WTFC · Wintrust Financial Corp

Track WTFC — free

$152.59 -0.82 (-0.53%)

Market Cap

$10.72B

67.47M

Up next

Next earnings call

Oct 20, 2026 Est · unconfirmed · in 9 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 5, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Rating

blended score · not investment advice

Overall

Neutral

SellHoldBuy

Technical Neutral Momentum Weak Sentiment Bullish Fundamentals Excellent Quant / Vol Moderate

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +4%

above

Price vs 50-day avg −4%

below

RSI (14) 34

neutral

MACD trend Negative

52-week position 71%

mid-range

Momentum

relative strength

Weak

1-month return −3%

trailing

6-month return +1%

trailing

YTD return +10%

this year

Relative strength −11%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) No cross

50d $160 › 200d $147 — 50d above 200d

Institutional flow Accumulating

+6% holders QoQ · +86 funds added

Insider flow Distributing

Net -$2.2M over 90 days · 100% sells

Short interest Falling

3.08% of float · ▼ -20.0% MoM · 2.7 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

590 holders — near 3-yr high, broad support

Squeeze score 37

low risk · 0–100

Fundamentals

Excellent

Revenue growth +6%

Y/Y

EPS growth +11%

Y/Y

Free cash flow $860.4M

Valuation P/E 12.8

below peers

Buyback $125.0M

authorized

Balance sheet $280.7M

net debt

Quant / Vol

risk profile

Moderate

Volatility 25%

annualized · 1-yr

Max drawdown −19%

past year

ATR 2.2%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the Earnings Call filed Mar 31, 2026

remainder of the year

Loan growth 5% – 9%

coming quarters

Net interest margin 3.5%

Prior guidance period ended · from the Earnings Call filed Jun 30, 2024

Net interest margin · third and fourth quarters of this year 3.5%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+4% Bullish

Price vs 50-day avg

−4% Neutral

RSI (14)

34 Neutral

MACD trend

Negative Bearish

52-week position

71% Neutral

Market signals — smart money & positioning

Bullish · 3 of 6

Trend (MA cross) No cross

50d $160 › 200d $147 — 50d above 200d

Institutional flow Accumulating

+6% holders QoQ · +86 funds added

Insider flow Distributing

Net -$2.2M over 90 days · 100% sells

Short interest Falling

3.08% of float · ▼ -20.0% MoM · 2.7 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

590 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $120 Now $153 · 71% Range high $167

vs 200-day avg +4% vs 50-day avg -4%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Allowance as a % of Total Loans	0.86%	6/30/2026	—
Allowance for credit losses	$481.2M	the second quarter of 2026	—

Allowance for loan and unfunded lending-related commitment losses to total loans	0.86%	Q2 2026	—
Bank subsidiaries	16	Q2 2026	—
Banking offices	210	Q2 2026	—
Commercial, CRE and Other NPLs	660M	Q2 2026	—
Core Loan Period End Balance	32.7B	6/30/2026	—
Efficiency ratio (non-GAAP) non-GAAP	53.76%	Three Months Ended June 30, 2026	—

Loans-to-deposits ratio	91%	the second quarter of 2026	—

Net charge-offs (basis points of average total loans, annualized)	10	the second quarter of 2026	—

Net interest income, fully taxable-equivalent (non-GAAP) non-GAAP	$600.11M	three months ended Jun 30, 2026	—
GAAP → non-GAAP reconciliation GAAP Net interest income (GAAP) $597.37M +$2.74M Fully taxable-equivalent adjustment = Net interest income, fully taxable-equivalent (non-GAAP) $600.11M
Net interest margin	3.5%	the second quarter of 2026	—
Net interest margin, fully taxable-equivalent (non-GAAP) non-GAAP	3.52%	Three Months Ended June 30, 2026	—

GAAP → non-GAAP reconciliation GAAP Net interest margin (GAAP) 3.48% +0.02% Fully taxable-equivalent adjustment = Net interest margin, fully taxable-equivalent (non-GAAP) 3.5%
Net overhead ratio	1.42%	Q2 2026	—
Niche Loan Period End Balance	22.9B	6/30/2026	—
Non-interest bearing deposit balances (% of total deposits)	19%	the second quarter of 2026	—

Non-performing assets (% of total assets)	0.26%	the second quarter of 2026	—

Non-Performing Assets to Total Assets	0.16%	Q2 2026	—
Non-performing loans (% of total loans)	0.32%	the second quarter of 2026	—

NPLs as a % of Total Loans	0.32%	6/30/2026	—
Originations within the insurance premium financing receivables portfolios	5.8B	Q2 2026	—
Percentage of MSRs to loans serviced for others (E / D)	1.59%	Six Months Ended Jun 30, 2026	—
Pre-tax income, excluding provision for credit losses (non-GAAP) non-GAAP	$341.1M	Three Months Ended June 30, 2026	—

GAAP → non-GAAP reconciliation GAAP Income before taxes 317.96M +23.13M Provision for credit losses = Pre-tax income, excluding provision for credit losses (non-GAAP) 341.1M
Production margin (B / C)	1.77%	Six Months Ended Jun 30, 2026	—
Return on average tangible common equity (non-GAAP) non-GAAP	14.91%	Q2 2026	—
Return on average tangible common equity, annualized (non-GAAP) non-GAAP	14.91%	Three Months Ended June 30, 2026	—
Return on average tangible common equity, annualized (non-GAAP) (O/Q) non-GAAP	14.9%	Six Months Ended Jun 30, 2026	—
Tangible book value per common share (non-GAAP) non-GAAP	$92.13	as of June 30, 2026	—
Tangible common equity ratio (non-GAAP) non-GAAP	8.4%	As of June 30, 2026	—
Tangible net income applicable to common shares (non-GAAP) non-GAAP	$228.94M	Three Months Ended June 30, 2026	—

GAAP → non-GAAP reconciliation GAAP Net income applicable to common shares 225.33M +4.92M Acquisition-related intangible asset amortization -1.3M Tax effect of acquisition-related intangible asset amortization = Tangible net income applicable to common shares (non-GAAP) 228.94M
Total average tangible common shareholders' equity (non-GAAP) non-GAAP	$6.16B	Three Months Ended June 30, 2026	—
Total tangible assets (non-GAAP) non-GAAP	$73.78B	As of June 30, 2026	—
Total tangible common shareholders' equity (non-GAAP) non-GAAP	$6.21B	As of June 30, 2026	—
Wealth management assets under administration	49.7B	Q2 2026	—
Pre-tax, pre-provision income (non-GAAP) non-GAAP	$330.5M	Q1 FY2026	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
WTFC Wintrust Financial Corp this stock	$10.72B	+9.7%	+5.9%	12.8	3.1%
MFG Mizuho Financial Group Inc	$123.19B	+38.5%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.6%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-1.2%	—	—	0.5%
USB US Bancorp De	$100.95B	+17.7%	+4.4%	12.9	1.7%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

590

% held: 96.5%
Net QoQ: +258.6K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

509

View

Short & Settlement

Short Interest Falling

Shares short

2.1M

Days to cover: 2.7d
Change: -519.0K sh

View

Short Volume

Short vol %

70%

As of: Aug 19, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $2.8K
As of: Jul 24, 2026

View

Off-Exchange

Off-exchange %

45.6%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$2.2M

Buyers / Sellers: 0 / 1

Buyers Sellers

View

Financials

Revenue (FY)

$265.6M

Net income (FY): $823.8M
EPS diluted: $11.40

View

Buybacks

Authorized

$125.0M

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 5, 2026
This year: 8

View

Proposed Sales

Value

$74.5K

Shares: 500
Filed: May 4, 2026

View

Earnings & Events

Earnings Calls

Last call

Jul 21, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
WTFC	-5.7%	-3.2%	+0.8%	-3.8%	+9.7%
SPY	-0.4%	+2.9%	+11.6%	+3.0%	+12.8%
vs SPY	-5.2%	-6.1%	-10.8%	-6.8%	-3.1%

Capital returns

Latest dividend

$0.55 / share · ex Aug 6, 2026

Raised 10%

Paid (TTM)

$2.15 / share · 4 payouts

Dividend yield (TTM, derived)

1.40%

Buyback program · as of Oct 24, 2019

Authorized

$125.00M

Spent (derived)

—

Remaining

—

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1015328 CUSIP 97650W108 13F (30d) 538 filings 518 filers Visit website Investor relations

WTFC · Wintrust Financial Corp

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns