WINTRUST FINANCIAL CORP
In the published model solve dated 2026-Q2, anchored at $161.43, WINTRUST FINANCIAL CORP (WTFC) is priced for more than 14.4% return on equity. boothcheck publishes no house fair value, target price, or buy/sell rating; individual model outputs and user-controlled scenarios are analytical inputs, not Boothcheck targets. The narrative was composed June 28, 2026 from SEC EDGAR filings.
The market is paying about 1.4x book for Wintrust, which prices a return on equity beyond the 12.5% level that even elite banks sustain over decades. The bank has recently been earning closer to 10.9%, so the premium assumes the return keeps climbing. The fundamentals are genuinely strong. Q1 2026 delivered a fifth straight record net income of $227.4 million, or $3.22 a share, up 20% year over year, with loans at $54.1 billion and deposits at $58.9 billion both growing 7% to 8% annualized and
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537 institutional managers reported holding WTFC in 13F filings for the quarter ended 2026-03-31. Together they hold about 94% of the company; the top 10 hold 46%. 65 opened new positions that quarter. Held by Vanguard Group, BlackRock, FMR (Fidelity), among others. On the short side, 2.6M shares were sold short as of the 2026-06-15 count, about 4% of shares outstanding (5.8 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
WTFC's share count grew 17.9% over the past five years even with $9.54M spent on repurchases. It pays a dividend, and has paid one every year in our records (17 and counting), raised 8 years straight; the current rate is $2.00 a share annually. Cash returned over the past three years: $420.97M in dividends.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
Open-market insider buys at WTFC over the trailing three years: 2023: 2 buys totaling $14k; 2024: 4 buys totaling $86k; 2025: 5 buys totaling $215k. 25 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
WTFC's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-08-10 | -0.9% | -10.7% |
| 2023-11-09 | +1.5% | +23.5% |
| 2024-02-29 | +2.1% | +3.8% |
| 2024-05-10 | +1.0% | +2.3% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
WTFC's latest 8-K filings: 2026-07-20 (items 2.02, 9.01); 2026-05-29 (items 5.07); 2026-04-20 (items 2.02, 9.01); 2026-01-20 (items 2.02, 9.01); 2025-12-16 (items 1.01, 2.03, 9.01).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: June 28, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.