Insider buying last 90 days
No open-market insider purchases were filed for WTFC in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every WTFC insider filing, plotted on the chart in Gekko.Open WTFC in Gekko
NASDAQ: WTFC
Wintrust Financial (WTFC) Stock Analysis & Forecast
Sep 28 close
$144.02−2.09 (−1.4%)
Gekko Brief
AI summaryWintrust (WTFC) has fallen 5.7% over four weeks, and commentary this week points to the stock trading in technically oversold territory, with analysts said to be revising earnings estimates higher, a combination framed as grounds for a possible trend reversal. This follows a July 20 earnings report in which Wintrust posted its sixth consecutive record quarter of net income at $233.7 million, up from $227 million in Q1, with year-to-date net income reaching $461 million, a 20% increase year-over-year, alongside deposit growth of $2.2 billion and loan growth of $1.6 billion, and mention of an acquisition.
The stock closed at $144.02, down 1.4%, sitting between its 50-day average of $154.63 and 200-day average of $149.89. Shorter-term returns show a 1-month decline of 5.9% and a 3-month decline of 10.2%, against a 6-month gain of 8.9% and a 1-year gain of 7.8%. The GekkoIndex reads 68.4, placing the stock in the Accumulation zone, though down 2.3 over five days. Gekko Fair Value stands at $164.62, with the current price 12.5% below that level.
Wintrust's next earnings date falls on 19 October 2026, 20 days away, placing the report inside a typical 20-trading-day holding window; prior quarters show 7 beats in 8 and an average absolute reaction of 2.6%, with the last reaction at -3.3%. Seasonality from this point in the calendar has averaged a 4.7% move over the next 20 trading days across 5 years, rising in 3 of them. Analyst consensus among 12 firms shows 8 buy and 4 hold ratings, with a consensus target of 179 and consensus upside of 24.3%.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Wintrust Financial price vs fair value
Close $144.02200-day averageGekko Fair Value $164.62
Wintrust Financial quick facts
- Market cap
- $9.71B
- P/E ratio
- 11.6
- Forward P/E
- 10.9
- EPS, TTM
- $12.50
- Revenue, TTM
- $2.76B
- Profit margin
- 32.6%
- Dividend yield
- 1.46%
- Beta
- 0.83
- Volume
- 326,642 avg 416,629
- 1-year return
- +7.8%
- Typical daily move
- ±1.9%
- Typical 20-day move
- ±5.6%
- 50-day average
- $154.63
- 200-day average
- $149.89
- Next earnings
- Oct 19
- Shares outstanding
- 67.47M
Wintrust Financial swing-trade checklist
Wintrust Financial scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $144.02 sits between the 50-day ($154.63) and 200-day ($149.89) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
68.4, Accumulation
Reading 68.4 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
12.5% below
Price is 12.5% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 20 days
Reports on Oct 19, 2026, 20 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+4.7% on average
From this point in the calendar, the next 20 trading days averaged +4.7% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Wintrust Financial stock chart and price history
Wintrust Financial closed at $144.02 on Sep 28, 2026, +7.8% over the past year, inside a 52-week range of $119.61 to $167.22.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −5.9%
- 3 months
- −10.2%
- 6 months
- +8.9%
- 1 year
- +7.8%
The full WTFC chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open WTFC in Gekko
Follow Wintrust Financial through every session
Put WTFC on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.
Track WTFC in GekkoFree for 7 days. No credit card required.
About Wintrust Financial
Wintrust Financial operates as a holding company for a group of banking and financial businesses, organized around community banking, specialty finance, and wealth management. Through its banking arm, it handles everyday deposit accounts, home and consumer lending, and real estate financing, alongside services like online and mobile banking, safe deposit boxes, and ATM access. It is also known for a wide range of niche lending programs, covering condominium and homeowner associations, restaurant franchise financing, SBA loans, commercial mortgages, construction loans, and leasing.
Its specialty finance operations focus on financing insurance premiums for businesses and individuals, along with accounts receivable financing and outsourced administrative services such as payroll and billing support for temporary staffing firms. The wealth management side offers trust and investment management, asset management, brokerage, retirement planning, and tax-deferred exchange services. Customers span individuals, small and mid-sized businesses, local government entities, and institutional clients seeking both personal and commercial banking support.
Wintrust runs 173 banking facilities and 228 ATMs, with operations concentrated in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Its shares are listed on the NASDAQ under the ticker WTFC.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Regional banks
- Website
- wintrust.com
Wintrust Financial GekkoIndex: the smart money zone
Wintrust Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 68.4, in the Accumulation zone, down 2.3 points over five sessions.
68.4Accumulation
Down 2.3 points over five sessions, from the Buying zone.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 22 | +1.4% | +3.6% | ||
| Accumulation (current zone) | 164 | +0.2% | +3.4% | ||
| Neutral | 443 | +0.5% | +1.4% | ||
| Distribution | 40 | −1.0% | −3.2% | ||
| Selling | 3 | Too few readings yet | |||
Average WTFC share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the WTFC price, zone by zone.Track WTFC in Gekko
Is Wintrust Financial stock overvalued? Gekko Fair Value
Wintrust Financial trades 12.5% below Gekko Fair Value of $164.62, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Wintrust Financial shares are worth, recalculated every trading day.
$164.62
Gekko Fair Value, Sep 26, 2026
12.5% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open WTFC in Gekko
Wintrust Financial insider and Congress trading
No open-market insider purchases were filed for Wintrust Financial, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in WTFC were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for WTFC, plotted on the chart in Gekko.Open WTFC in Gekko
Buybacks
Wintrust Financial has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $912K
- As a share of market cap
- 0.01%
- Trailing four quarters
- $418.2M
From company filings.
Wintrust Financial earnings: next date and track record
Wintrust Financial reports on Oct 19, 2026 (20 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Oct 19, 2026
20 days away
- EPS estimate
- $3.28
- Revenue estimate
- $753.7M
7 of 8reports beat the EPS estimate
±2.6%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 20, 2026 AI summary
- What they said
- Wintrust reported its sixth consecutive record quarter of net income at $233.7 million in Q2 2026, up from $227 million in Q1. Year-to-date net income reached $461 million, a 20% increase year-over-year. Deposit growth was $2.2 billion (15% annualized) and loan growth was $1.6 billion (12% annualized). Net interest income rose 13% quarter-over-quarter annualized. The company announced acquisition of Northern Trust's guardianship services business.
- Guidance
- Period-end loans were $1.2 billion above Q2 averages, positioning Q3 for higher average earning assets. Management expects the Northern Trust guardianship acquisition to close later in 2026, with new branch openings and digital banking enhancements planned for Q3.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 20, 2026 | $3.30 est $3.15 | $738.6M est $735.4M | −3.3% |
| Apr 20, 2026 | $3.22 est $2.95 | $713.2M est $707.3M | +1.4% |
| Jan 20, 2026 | $3.15 est $2.93 | $714.3M est $701.9M | +3.8% |
| Oct 20, 2025 | $3.06 est $2.63 | $697.8M est $689.5M | +5.4% |
| Jul 21, 2025 | $2.78 est $2.60 | $670.8M est $660.1M | +1.0% |
| Apr 21, 2025 | $2.69 est $2.49 | $643.1M est $643.5M | +4.0% |
| Jan 21, 2025 | $2.63 est $2.47 | $638.7M est $641.1M | −1.3% |
| Oct 21, 2024 | $2.47 est $2.51 | $615.7M est $623.4M | −0.5% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Wintrust Financial stock forecast and analyst price targets
Analysts’ average 12-month price target for Wintrust Financial is $179.00, +24.3% from the last close, from 12 firms rating the stock in the last 90 days.
$179.00consensus 12-month target, +24.3% from the last close
Now $144.02Avg $179.00
Low $160High $192
Each firm’s latest rating in the last 90 days: 12 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 24 | Wells Fargo | $160 | +11.1% |
| Aug 26 | Citi | $184 | +27.8% |
| Jul 23 | Citi | $184 | +27.8% |
| Jul 22 | Piper Sandler | $186 | +29.1% |
| Jul 22 | TD Cowen | $183 | +27.1% |
+3.4%average 20-day move after past Accumulation readings
+4.7%average move over the next 20 trading days in the last 5 years
±1.9%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Wintrust Financial seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Wintrust Financial averaged +4.7% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.7% | 4 of 5 |
| Next 10 trading days | +2.2% | 3 of 5 |
| Next 15 trading days | +5.3% | 3 of 5 |
| Next 20 trading days | +4.7% | 3 of 5 |
| Next 30 trading days | +11.1% | 4 of 5 |
For scale, WTFC’s typical 20-trading-day move in either direction is about 5.6%.
Wintrust Financial market cap and key statistics
Wintrust Financial’s market cap is $9.71B, with a P/E ratio of 11.6 and revenue of $2.76B over the last twelve months.
Valuation
- Market cap
- $9.71B
- P/E ratio
- 11.6
- Forward P/E
- 10.9
- EPS, TTM
- $12.50
- Gekko Fair Value
- $164.62
Trading
- Volume
- 326,642
- Avg volume, 20 days
- 416,629
- 52-week high
- $167.22
- 52-week low
- $119.61
- Shares outstanding
- 67.47M
Financials
- Revenue, TTM
- $2.76B
- Profit margin
- 32.6%
- Return on equity
- 12.2%
- Quarterly earnings growth, YoY
- +18.7%
Risk and income
- Beta
- 0.83
- Typical daily move
- ±1.9%
- Typical 20-day move
- ±5.6%
- Dividend yield
- 1.46%
Wintrust Financial stock news this week
1 headline about Wintrust Financial from the past week, newest first, each linking to the publisher.
- After Plunging 5.7% in 4 Weeks, Here's Why the Trend Might Reverse for Wintrust (WTFC)Zacks Investment Research, Sep 25
Wintrust Financial peers
Wintrust Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 4.8% below |
| USBU.S. Bancorp | Accumulation | 10.6% below |
| NUNu | Buying | 24.1% below |
| TFCTruist Financial | Buying | 10.3% below |
| FITBFifth Third Bancorp | Accumulation | 11.5% below |
| MTBM&T Bank | Accumulation | 11.2% below |
A peer links to its own page where one exists.
Wintrust Financial stock FAQ
What is Wintrust Financial’s market cap?
Wintrust Financial’s market cap is $9.71B at the Sep 28, 2026 close of $144.02, with 67.47M shares outstanding. The shares trade on a P/E ratio of 11.6.
What is the Wintrust Financial stock forecast?
The consensus analyst 12-month price target for Wintrust Financial is $179.00, +24.3% from the last close. Of the 12 firms that rated the stock in the last 90 days, 8 rate it a buy, 4 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Wintrust Financial stock overvalued or undervalued?
On Gekko’s estimate Wintrust Financial is undervalued: the Sep 28, 2026 close of $144.02 is 12.5% below Gekko Fair Value of $164.62. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Wintrust Financial report earnings next?
Wintrust Financial is expected to report on Oct 19, 2026 (20 days away). Analysts expect earnings of $3.28 per share on revenue of $753.7M. Wintrust Financial beat the earnings estimate in 7 of its last 8 reports, moving 2.6% on average across the report.
What is Wintrust Financial’s 52-week high and low?
Wintrust Financial’s 52-week high is $167.22 and its 52-week low is $119.61; it closed at $144.02 on Sep 28, 2026, +7.8% over the past year.
Is Wintrust Financial stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
See Wintrust Financial the way Gekko members do
Every GekkoIndex reading, insider trade, options bet and Congress disclosure plotted on the chart, plus the 5,800-name screener and trade planning tools.
Join 1,380 other traders using Gekko
Start Your FREE 7 Day Trial → Every feature unlocked. No credit card required.