WINTRUST FINANCIAL CORP
In the published model solve dated 2026-Q2, anchored at $143.55, WINTRUST FINANCIAL CORP (WTFC) is priced for today's economics sustained for ~16.8 years. 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: 2026-10-19 (items 2.02, 9.01); 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).
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.