WTFC Stock - Wintrust Financial Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $3.97B | $3.33B | $2.21B | $1.86B | $1.90B |
| Gross Profit | $2.35B | $2.16B | $1.88B | $1.77B | $1.43B |
| Gross Margin | 59.3% | 64.8% | 85.0% | 95.1% | 75.4% |
| Operating Income | $947.09M | $845.08M | $700.55M | $637.80M | $389.78M |
| Net Income | $695.04M | $622.63M | $509.68M | $466.15M | $292.99M |
| Net Margin | 17.5% | 18.7% | 23.1% | 25.0% | 15.4% |
| EPS | $10.47 | $9.72 | $8.14 | $7.69 | $4.72 |
Wintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 173 banking facilities and 228 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| September 25th 2025 | TD Cowen | Initiation | Buy | $166 |
| May 21st 2025 | Jefferies | Initiation | Buy | $145 |
| April 23rd 2025 | Hovde Group | Reiterated | Market Perform | $115← $107 |
| December 17th 2024 | UBS | Resumed | Buy | - |
| July 19th 2024 | Keefe Bruyette | Downgrade | Market Perform | $115← $110 |
| June 21st 2024 | Hovde Group | Resumed | Market Perform | $100 |
| March 8th 2024 | Barclays | Initiation | Overweight | $135 |
| December 1st 2023 | Citigroup | Initiation | Buy | $101 |
| February 1st 2023 | Hovde Group | Upgrade | Outperform | $108 |
Earnings History & Surprises
WTFCEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Jan 20, 2026 | $2.93 | — | — | — |
Q4 2025 | Oct 20, 2025 | $2.63 | $3.06 | +16.3% | ✓ BEAT |
Q3 2025 | Jul 21, 2025 | $2.60 | $2.78 | +6.9% | ✓ BEAT |
Q2 2025 | Apr 21, 2025 | $2.49 | $2.69 | +8.0% | ✓ BEAT |
Q1 2025 | Jan 21, 2025 | $2.52 | $2.63 | +4.4% | ✓ BEAT |
Q4 2024 | Oct 21, 2024 | $2.51 | $2.47 | -1.6% | ✗ MISS |
Q3 2024 | Jul 17, 2024 | $2.42 | $2.32 | -4.1% | ✗ MISS |
Q2 2024 | Apr 17, 2024 | $2.42 | $2.89 | +19.4% | ✓ BEAT |
Q1 2024 | Jan 17, 2024 | $2.49 | $1.87 | -24.9% | ✗ MISS |
Q4 2023 | Oct 17, 2023 | $2.40 | $2.53 | +5.4% | ✓ BEAT |
Q3 2023 | Jul 19, 2023 | $2.38 | $2.38 | 0.0% | = MET |
Q2 2023 | Apr 19, 2023 | $2.54 | $2.80 | +10.2% | ✓ BEAT |
Q1 2023 | Jan 18, 2023 | $2.58 | $2.23 | -13.6% | ✗ MISS |
Q4 2022 | Oct 18, 2022 | $2.07 | $2.21 | +6.8% | ✓ BEAT |
Q3 2022 | Jul 20, 2022 | $1.69 | $1.49 | -11.8% | ✗ MISS |
Q2 2022 | Apr 19, 2022 | $1.55 | $2.07 | +33.5% | ✓ BEAT |
Q1 2022 | Jan 19, 2022 | $1.53 | $1.58 | +3.3% | ✓ BEAT |
Q4 2021 | Oct 19, 2021 | $1.52 | $1.77 | +16.4% | ✓ BEAT |
Q3 2021 | Jul 19, 2021 | $1.61 | $1.68 | +4.3% | ✓ BEAT |
Latest News
Barclays Maintains Overweight on Wintrust Financial, Raises Price Target to $178
📈 PositiveTruist Securities Maintains Buy on Wintrust Financial, Raises Price Target to $158
📈 PositivePiper Sandler Reiterates Overweight on Wintrust Financial, Raises Price Target to $161
📈 PositiveJefferies Maintains Buy on Wintrust Financial, Lowers Price Target to $160
📈 PositiveUPDATE: Wintrust Finl Q3 Adj. EPS $3.06 Beats $2.68 Estimate, Sales $697.837M Beat $689.637M Estimate
📈 PositiveWintrust Finl Q3 EPS $2.78 Beats $2.63 Estimate, Sales $697.837M Beat $689.637M Estimate
📈 PositiveTD Cowen Initiates Coverage On Wintrust Financial with Buy Rating, Announces Price Target of $166
📈 PositiveJefferies Maintains Buy on Wintrust Financial, Raises Price Target to $165
📈 PositiveFrequently Asked Questions about WTFC
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