WTFC · Wintrust Financial Corp
Price & Indicators
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong BuyIllustrative 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 |
|---|---|---|---|
| Net charge-offs | $13.4M | the second quarter of 2026 | — |
| Net charge-offs (basis points of average total loans, annualized) | 10 | the second quarter of 2026 | — |
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| Net interest margin non-GAAP | 3.52% | the second quarter of 2026 | — |
| Non-performing loans | $179.3M | the second quarter of 2026 | — |
| Pre-tax, pre-provision income non-GAAP | $671.6M | the first six months of 2026 | — |
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| Allowance for credit losses | $471.6M | Q1 FY2026 | — |
| Loans-to-deposits ratio | 91.8% | Q1 FY2026 | — |
| Net interest margin (fully taxable-equivalent basis, non-GAAP) non-GAAP | 3.56% | Q1 FY2026 | — |
| Non-interest bearing deposit balances (% of total deposits) | 20% | Q1 FY2026 | — |
| Non-performing assets (% of total assets) | 0.28% | Q1 FY2026 | — |
| Non-performing loans (% of total loans) | 0.34% | 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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
WTFC
this stock
Wintrust Financial Corp
|
$10.96B | +16.2% | +5.9% | 13.1 | 3.1% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| WTFC | +2.3% | -1.1% | +8.8% | +1.8% | +16.2% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +1.9% | -5.6% | -5.0% | -2.1% | +2.4% |
Capital returns
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.