WTFC Stock Analysis: Buy, Sell, or Hold?
WTFC - Wintrust Financial Corp
$159.54
-0.11 (-0.07%)
▼
5d:
+0.55%
30d:
-2.0%
90d:
+5.96%
BUY
HIGH Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 19, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: WTFC shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
✅ BUY SIGNAL: WTFC shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$195.10
Based on 4.8% avg growth
INTRINSIC VALUE TODAY
$121.14
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WTFC is currently trading at $159.54, which is considered slightly low relative to its 30-day fair value range of $158.98 to $163.06. The stock's valuation (Forward PE: 11.6) is in line with its historical norms (11.2). At these levels, the market is pricing in 1.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, WTFC is in a strong uptrend. The price is currently testing key support at $155.71. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $180.07 (+12.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, WTFC is in a strong uptrend. The price is currently testing key support at $155.71. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $180.07 (+12.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$158.98 -
$163.06
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
78.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($180.07)
- NEUTRAL: Market pricing in 1.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$158.98 -
$163.06
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$155.71
Resistance Level
$165.55
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.55
Wall Street Target
$180.07
(+12.9%)
Revenue Growth (YoY)
10.2%
Earnings Growth (YoY)
18.7%
Profit Margin
32.6%
Valuation Premium vs History
+1.2% premium
PE vs Historical
11.6 vs 11.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.2%
(market-implied from PE analysis)
1-Year Target
$161.45
(+1%)
2-Year Target
$163.39
(+2%)
3-Year Target
$165.35
(+4%)
3-Yr Target (if PE normalizes)
(PE: 12→11)
PE COMPRESSION
$160.35
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 5.5%)
$335.82
(+111%)
Base:
(SPY PE: 11.5, Growth: 5.5%)
$187.10
(+17%)
Bear:
(PE: 9.8, Growth: 5.5%)
$159.04
(0%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 12.79 | Current EPS (TTM): $12.48
Bull Case
$194.38
(+22%)
Analyst growth 10.7%, PE expands to 14.1
Base Case
$176.71
(+11%)
Market implied 10.7%, PE stable at 12.8
Bear Case
$108.56
(-32%)
Severe decline -20.0%, PE contracts to 10.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 6:12 PM ET
Data refreshes hourly during market hours. Next update: 7:12 PM
Data refreshes hourly during market hours. Next update: 7:12 PM
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Technical Signals Check
Is WTFC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
David L Stoehr
SELL
3020 shares
2026-04-23
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