Wintrust Financial (WTFC) stock

Community banking , market cap $10B

Community banking

Worth $10B

$154.56

-0.23%

As of Tuesday's close · Live for Pro members at the open

Quality Score

Average

In its industry

#70of 168

Banks

Checks firing

4of 14

Trending up

From 52-week high

-7.6%

under its best in a year

WTFC's Quality Score was unchanged on Tue, Nov 10, at 9.

See WTFC's 14 chart checksSee it live, free until Thursday morning. No account. No card. Then keep going with a free account.

We do the work for you. Every stock is scored and ranked, every 15 seconds while the market is open. Here it's 15 minutes behind. Pro members see it live.

Key facts on WTFC

Key facts on WTFC
The chart	Above every average
Latest filing	10-Q, Nov 4 Filed its quarterly report (10-Q) for the quarter to Sep 30, 2026

1 more reason behind WTFC's 9, free with an account →1 more reason behind WTFC's 9, for Pro members.

What moves banks

Rate gap, 10-year minus 2-year+0.25 pt-0.09 ptTue Nov 10in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Tue Nov 10. Change over the week.

Deposits, 10-year Treasury yield, loans, and 3 more, for Pro members.

WTFC catalysts

Coming up

After its last 4 reports it closed +1.4% on average, higher 3 of 4 times.

7 past catalysts since 2020, with sizes and sources, for Pro members.

Why WTFC scores 9

Averagefor quality, not price, 4 of 14 chart checks firingWhat the Quality Score means

+4Chart checks 4 of 14 firing right now, one point each
+3Long-term trend above a rising 200-⁠day average, near its 52-⁠week high

Size adds
Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.

No effect today: Run-up, Growth, Dilution, Volatility, Cash flow, Persistence, News, and Insider trades.

What every line is worth, and the reason behind it, on WTFC and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 11:29 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when WTFC's Quality Score turns up

A free account. No card.

How WTFC ranks in Banks

WTFC is #70 of 168 by Quality Score.

How WTFC ranks in Banks
Rank	Stock	Checks	Quality Score
1	TMPTompkins Financial	8/14	18
2	CBCCentral Bancompany	10/14	18
3	CHCOCity	8/14	17
	ABCBAmeris Bancorp		Open for its score
	WFCWells Fargo		Open for its score
	WSBCWesBanco		Open for its score
	ZIONZions Bancorporation N.A.		Open for its score
70	WTFCWintrust Financial	4/14	9

Cash and short-term investments: WTFC $636M, SSB $2.97B, FNB $2.53B, ASB $1.87B.

When does WTFC report earnings, and what happens after?

Expected to report Thu Jan 21, after the close (in 72 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What WTFC reported on Oct 19, 2026

The quarter

A profit of $3.37 a share.

“The increase in net interest income in the third quarter of 2026 was driven by strong average earning asset growth of $2.1 billion.”

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

WTFC's results filing gives no sales by line in a table we read.

The outlook

No outlook figures read from this release.

In the company's words

“The Company’s gross commercial and commercial real estate loan pipelines remained solid as of September 30, 2026 indicating momentum for expected continued loan growth in the fourth quarter of 2026.”

From its results filing (SEC filing · Oct 19)

The numbers

Market value: $10B; today
Sales: $266M; up 5.9% on the year
Profit: $824M; last fiscal year

Sales grew 9.3% a year over 5 years, fiscal 2020 to 2025.

Pays $2.20 a share a year.

4 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on WTFC: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

+1.0%-2.9%+2.7%

Apr 20Jul 20Oct 19

Reported	When	Gap	Reaction	5 days
Oct 19, 2026After close	After close	0.0%	+2.7%	+6.1%
Jul 20, 2026After close	After close	-1.0%	-2.9%	-2.9%
Apr 20, 2026After close	After close	+2.0%	+1.0%	+0.3%

WTFC closed higher after 3 of its last 4 reports.

All 4 reports, and WTFC's Quality Score going into each

WTFC sales and profit by year

Sales and profit by year

Sales grew every year from 2018 to 2025, to $266M. It made a profit in each of the eight years.

WTFC has 4 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on WTFC, and all 14 on every stock.Get in free →

WTFC RSI today: 58.4, above its 50-day and 200-day averages

Not scored

RSI 58.4, MACD above signal, above both averages. Not scored.13 readings

The deep dive on WTFC

What it does and how it makes money1 findingFor Pro members1 finding on what WTFC does and how it makes money, for Pro members
Where it stands1 findingIts common equity tier 1 ratio, the capital regulators count first, was 10.3% on Dec 31, 2025.Filed figures, Dec 31, 2025
What changed in its filings2 findingsA new heading in its "Risk Factors" this year: "The development and use of artificial intelligence by us or others, or our inability to effectively and timely implement its use, may adversely affect the Company." (10-K for fiscal 2025; not in fiscal 2024's)SEC filing · Feb 26, 2026, against the one of Feb 28, 2025
Who holds and trades it2 findingsFor Pro members2 findings on who holds and trades WTFC, for Pro members
Against its closest peers4 peersCash and short-term investments: WTFC $636M, SSB $2.97B, FNB $2.53B, ASB $1.87B.

4 more findings on WTFC, each with its source, for Pro members.

Is WTFC's dividend covered? What its financials say

Its dividends come to 17% of its free cash flow.

WTFC's dividend against its free cash flow
Dividend	$2.20 a share a year Paid 4 times a year
Paid out	About $148M a year $2.20 a share on 67.5M shares, the count on its cover page as of Oct 30, 2026
Free cash flow	$860M The last four quarters, to Dec 31, 2025
Record	Raised every year since 2013 Its dividends a share each year, from its annual reports

WTFC insider trades

2 insiders sold $3.3M across 2 filings in the last 6 months. No open-⁠market buys on record. The newest:

SellRichard B. Murphy$1.1MVice Chair,chief Lending Ofcat $148.66 on Oct 22, filed Oct 23

SellRichard B. MurphyVice Chair,chief Lending Ofc$1.1Mat $148.66 on Oct 22, filed Oct 23

WTFC's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Timothy CranePresident & CEO · no trades on file
David L. StoehrChief Financial Officer · 2 trades
Kathleen M. BoegeEVP, Chief Legal Ofc, and Sec · 3 trades
Richard B. MurphyVice Chair,chief Lending Ofc · 3 trades
David A. DykstraVice Chairman and COO · 2 trades
Jeffrey D. HahnfeldEvp-Controller & Chief Acc Off · 2 trades
David Eric LeeVice Chair, Wintrust Financial · 1 trade
Edward J. WehmerFounder and Senior Advisor · no trades on file

15 more officers and directors file at WTFC.

See insider trades by person

Which ETFs hold WTFC?

In ETFs: WTFC is under 0.1% of VIG, under 0.1% of VYM, and under 0.1% of DGRO, the most of the 24 funds Breakaway covers, by their holdings as filed for Jul 31, 2026.

About Wintrust Financial

Wintrust Financial Corp is a financial holding company that provides community-oriented, personal, and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and western Michigan. The company provides specialty finance services, including financing for the payment of property and casualty insurance premiums and life insurance premiums, and wealth management services to customers in its market area. Its operations consist of three primary segments: community banking, specialty finance, and wealth management. The company generates the majority of its revenue from the community banking segment.

5,902 employeesRosemont, ILwintrust.com

Here is what Pro members see.

The same page for Pro members, on Microsoft
Its Quality Score and rank, the line that drives it, and the live price.
The full chart
A year of candles to start, out to the whole history, with insider trades marked and the Quality Score under the price.
Every line of the score
Price action, the company, and signals, each with its points, on WTFC and every other stock.
CEOs buying their own stock
Every CEO buy, biggest names first. Sort, filter, save the list, and set optional alerts.
Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
The ones firing on the stock, each in plain words, its rule a tap away.
Earnings, week by week
Who reports each day, and how each stock took its last four reports.
FDA dates, counted down
Each date in the company's words, its cash against the date, and an optional alert before it.
The market map
Every stock a box, colored by its Quality Score.
Themes, ranked live
Each theme's stocks ranked by Quality Score, live. Here, AI chips.
The top 10, every day
The ten highest Quality Scores at each close, kept day by day, week by week.
Optional alerts, your way
Pick a stock, a score, a price, a filing, or a whole scan. It tells you by push or email.
Your watchlist, scored
Your stocks by Quality Score, today's move, or name.
On your phone and your laptop
The same account and watchlist on both, each laid out for its screen.

Prices refresh every 2.5 seconds during market hours.
Optional alerts by push, email, or the bell.
Add it to your Home Screen and it opens like an app.

Pro members see every line of every stock's score.

What would move WTFC's score: 6 things
2 more filings explained, a plain line each
Real-⁠time prices, no delay

BreakawayOct 23Richard B. Murphy sold WTFC$1.1M at $148.66, filed Oct 23

Alerts are optional.

See WTFC's 14 chart checks

See it live, free until Thursday morning. No account. No card. Then keep going with a free account.

Straight AnswersStraight Answers

As of Nov 10, 2026: WTFC's Quality Score is 9 (Average), #70 of 168 in Banks. Insiders sold $3.3M in the last 6 months (Form 4).

What does WTFC's Quality Score say?

WTFC scores 9 today, which Breakaway calls Average. It is #70 of 168 in Banks by Quality Score, with 4 of 14 chart checks firing. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is WTFC's Quality Score?

WTFC scores 9 today, which Breakaway calls Average (6 to 10). That is #70 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind WTFC's 9.

Are insiders buying WTFC?

2 insiders sold $3.3M across 2 filings in the last 6 months. No open-⁠market buys on record. The newest is Richard B. Murphy, Vice Chair,chief Lending Ofc, who sold $1.1M on Oct 22. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.