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Upturn AI SWOT - About
WTFC 
Wintrust Financial Corporation (WTFC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: WTFC (1-star) is a SELL. SELL since 4 days. Profits (5.94%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
13 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $154
1 Year Target Price $154
| 8 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.1% | Avg. Invested days 49 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.51B USD | Price to earnings Ratio 12.02 | 1Y Target Price 154 |
Price to earnings Ratio 12.02 | 1Y Target Price 154 | ||
Volume (30-day avg) 13 | Beta 0.84 | 52 Weeks Range 88.36 - 140.31 | Updated Date 08/15/2025 |
52 Weeks Range 88.36 - 140.31 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.49% | Basic EPS (TTM) 10.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.83% | Operating Margin (TTM) 43.78% |
Management Effectiveness
Return on Assets (TTM) 1.15% | Return on Equity (TTM) 11.6% |
Valuation
Trailing PE 12.02 | Forward PE 11.82 | Enterprise Value 8350305280 | Price to Sales(TTM) 3.43 |
Enterprise Value 8350305280 | Price to Sales(TTM) 3.43 | ||
Enterprise Value to Revenue 5.32 | Enterprise Value to EBITDA - | Shares Outstanding 66952300 | Shares Floating 65984158 |
Shares Outstanding 66952300 | Shares Floating 65984158 | ||
Percent Insiders 1.47 | Percent Institutions 98.33 |
Upturn AI SWOT
Wintrust Financial Corporation
Company Overview
History and Background
Wintrust Financial Corporation was founded in 1991 in Lake Forest, Illinois. It grew through acquisitions of community banks in the Chicago metropolitan area, focusing on providing personalized service and local decision-making. It expanded its services beyond traditional banking to include wealth management and commercial finance.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and small to mid-sized businesses, including deposit accounts, loans, and treasury management services. It operates through a network of community bank locations.
- Wealth Management: Offers investment advisory, portfolio management, trust, and brokerage services to individuals and institutions. Includes retirement planning and estate planning.
- Commercial Banking: Provides commercial lending, equipment financing, and other financial services to businesses. Focuses on building relationships with clients and understanding their specific needs.
Leadership and Structure
Wintrust is led by Timothy S. Crane, as President and CEO. The organizational structure includes regional bank presidents overseeing local banking operations and specialized teams for wealth management and commercial finance. A board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, expansion, and acquisitions. Market share varies by region; Wintrust is a significant player in the Chicago area. Competitors include large national banks like JPMorgan Chase and Bank of America, as well as other regional banks.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share varies, but Wintrust is a prominent lender in the Chicago market. Competitors are similar to commercial loans, including Rocket Mortgage.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include large national banks and online banking platforms.
- Wealth Management Services: Investment advisory, portfolio management, trust, and brokerage services. Competitors include large brokerages such as Fidelity, Schwab, and other regional wealth management firms. Market share data is difficult to ascertain. Revenue from this product is approximately 12-15% of revenue
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment with increasing interest rates, regulatory scrutiny, and competition from fintech companies. Consolidation is occurring as banks seek to gain scale and efficiency.
Positioning
Wintrust positions itself as a community-focused bank with personalized service, differentiating itself from larger national banks. Its focus on local markets and relationship-based banking is a key competitive advantage.
Total Addressable Market (TAM)
The TAM for banking services in the Chicago metropolitan area is substantial, estimated to be in the billions of dollars annually. Wintrust captures a portion of this TAM through its various banking and wealth management offerings.
Upturn SWOT Analysis
Strengths
- Strong local market presence in the Chicago area
- Experienced management team
- Diversified revenue streams (banking, wealth management, commercial finance)
- Strong relationships with customers
- History of successful acquisitions
Weaknesses
- Limited geographic diversification (primarily Chicago area)
- Exposure to interest rate risk
- Higher cost structure compared to larger national banks
- Reliance on acquisitions for growth
Opportunities
- Further expansion in the Midwest region
- Increased adoption of digital banking services
- Growth in wealth management business
- Potential acquisitions of smaller community banks
- Growing commercial banking revenue
Threats
- Increased competition from larger national banks and fintech companies
- Economic downturn in the Chicago area
- Rising interest rates
- Changes in banking regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- USB
- PNC
Competitive Landscape
Wintrust's advantage lies in its community focus and personalized service, which differentiate it from larger national banks. However, it faces challenges in terms of scale and cost structure compared to those competitors.
Major Acquisitions
Northbrook Bank & Trust Company
- Year: 2018
- Acquisition Price (USD millions): 110
- Strategic Rationale: Expanded Wintrust's presence in the affluent North Shore area of Chicago.
Lake Forest Bank & Trust
- Year: 2000
- Acquisition Price (USD millions): 74.3
- Strategic Rationale: Entry into the higher wealth demographic.
Growth Trajectory and Initiatives
Historical Growth: Wintrust has grown through a combination of organic growth and acquisitions. Historical growth rates have varied depending on economic conditions and acquisition activity.
Future Projections: Analyst estimates project continued growth for Wintrust, driven by expansion in existing markets and potential acquisitions.
Recent Initiatives: Recent initiatives include expanding digital banking services, investing in wealth management capabilities, and pursuing strategic acquisitions.
Summary
Wintrust Financial Corporation is a strong regional bank with a focus on community banking and wealth management. Its local market presence and personalized service are key strengths, but it faces competition from larger banks and fintech companies. Future growth depends on its ability to expand in existing markets, make strategic acquisitions, and adapt to changing technology and regulations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Wintrust Financial Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Third-party financial data providers
- Industry reports and analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change. Investors should conduct their own due diligence before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Wintrust Financial Corporation
Exchange NASDAQ | Headquaters Rosemont, IL, United States | ||
IPO Launch date 1998-04-16 | CEO, President & Director Mr. Timothy S. Crane | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 5903 | Website https://www.wintrust.com |
Full time employees 5903 | Website https://www.wintrust.com | ||
Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through 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, online and mobile banking, and other services. This segment also engages in the retail origination of residential mortgages; provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations; and asset-based lending for middle-market companies. In addition, it provides 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. 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, including data processing of payrolls, billing, and cash management services to temporary staffing industry; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty insurance premium financing. The Wealth Management segment provides wealth management services, such as trust and investment, tax-deferred like-kind exchange, asset management, and securities brokerage services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.
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