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Upturn AI SWOT - About
WTFC 
Wintrust Financial Corporation (WTFC)
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Upturn Advisory Summary
10/14/2025: WTFC (1-star) is a SELL. SELL since 3 days. Simulated Profits (-7.96%). 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 $156.64
1 Year Target Price $156.64
| 8 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.22% | Avg. Invested days 47 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.82B USD | Price to earnings Ratio 12.15 | 1Y Target Price 156.64 |
Price to earnings Ratio 12.15 | 1Y Target Price 156.64 | ||
Volume (30-day avg) 13 | Beta 0.83 | 52 Weeks Range 88.36 - 141.69 | Updated Date 10/14/2025 |
52 Weeks Range 88.36 - 141.69 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 1.48% | Basic EPS (TTM) 10.84 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-20 | When After Market | Estimate 2.7 | 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 12.15 | Forward PE 10.89 | Enterprise Value 8658955264 | Price to Sales(TTM) 3.55 |
Enterprise Value 8658955264 | Price to Sales(TTM) 3.55 | ||
Enterprise Value to Revenue 5.42 | Enterprise Value to EBITDA - | Shares Outstanding 66952288 | Shares Floating 65978132 |
Shares Outstanding 66952288 | Shares Floating 65978132 | ||
Percent Insiders 1.47 | Percent Institutions 100.25 |
Upturn AI SWOT
Wintrust Financial Corporation
Company Overview
History and Background
Wintrust Financial Corporation was founded in 1991 in Lake Forest, Illinois. It began as a holding company for several community banks in the Chicago metropolitan area. Over time, Wintrust has grown through acquisitions and organic expansion, becoming a prominent regional financial services provider.
Core Business Areas
- Community Banking: Offers a range of traditional banking services, including deposit accounts, loans, and other financial products to individuals and small to medium-sized businesses.
- Wealth Management: Provides investment management, trust services, financial planning, and brokerage services to individuals, families, and institutions.
- Commercial Banking: Delivers commercial lending, treasury management, and other financial solutions to businesses of all sizes.
- Mortgage Banking: Originates and services residential mortgages.
Leadership and Structure
Wintrust is led by Timothy P. Crane, CEO. The company operates with a decentralized structure, empowering local bank presidents while maintaining overall corporate oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loan products. Wintrust focuses on relationship banking and caters to diverse business needs. Competitors include large national banks and other regional players.
- Description of Product 1, include any market share data or number of users or revenue from this product. Who are the competitors for this product:
- Description of Product 2, include any market share data or number of users or revenue from this product. Who are the competitors for this product:
- Residential Mortgages: Provides a suite of mortgage options for home buyers. Competitors include Rocket Mortgage, United Wholesale Mortgage, and other national and regional lenders.
- Deposit Accounts: Offers checking, savings, money market, and CD accounts. Focuses on relationship banking and caters to diverse business needs. Competitors include large national banks and other regional players.
- Description of Product 3, include any market share data or number of users or revenue from this product. Who are the competitors for this product:
Market Dynamics
Industry Overview
The banking industry is facing increasing competition from fintech companies and regulatory changes. Interest rate fluctuations and economic conditions also impact profitability.
Positioning
Wintrust is a regional bank focused on relationship banking and community involvement. It competes with both larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for the US banking sector is in the trillions of dollars. Wintrust's positioning is focused on capturing market share within its geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Chicago metropolitan area
- Decentralized operating model
- Relationship-focused banking approach
- Diversified revenue streams
- Experienced Management Team
Weaknesses
- Geographic concentration
- Reliance on interest rate environment
- Limited international presence
- Smaller scale compared to national banks
Opportunities
- Acquisitions of smaller community banks
- Expansion into new markets within the Midwest
- Increased adoption of digital banking technologies
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Northern Trust Corporation (NTRS)
- First Midwest Bancorp (Acquired by Old National Bancorp)
- Associated Banc-Corp (ASB)
Competitive Landscape
Wintrust competes with larger national banks, regional players, and smaller community banks. Its focus on relationship banking and local market knowledge provides a competitive advantage.
Major Acquisitions
certain assets and liabilities of Macatawa Bank Corporation
- Year: 2024
- Acquisition Price (USD millions):
- Strategic Rationale: Expanding footprint in Michigan to become a part of Wintrust.
Growth Trajectory and Initiatives
Historical Growth: Wintrust has grown through acquisitions and organic expansion, demonstrating consistent growth in assets, loans, and deposits.
Future Projections: Analyst estimates suggest continued growth driven by regional expansion and increasing demand for financial services.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
Wintrust is a solid regional bank with a strong presence in the Chicago area, focusing on relationship banking. While its geographic concentration poses a risk, its decentralized structure and diverse revenue streams are strengths. The bank can capitalize on acquisitions and digital adoption but must navigate increasing competition and economic uncertainty.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
- Company Website
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly.
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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