Wintrust Financial (WTFC) Stock: Buy, Sell, or Hold?
WTFC - Wintrust Financial Corp
$152.16
1.41 (0.94%)
▲
5d:
-0.89%
30d:
-6.42%
90d:
-2.37%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 19, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: WTFC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: WTFC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$195.19
Based on 4.8% avg growth
INTRINSIC VALUE TODAY
$121.20
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 $152.16, which is considered slightly low relative to its 30-day fair value range of $151.01 to $160.17. The stock's valuation (Forward PE: 11.0) is in line with its historical norms (11.2). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This pessimistic expectation contrasts with the company's recent 18.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, WTFC is in a uptrend. The price is currently testing key support at $148.25. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 57/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $180.07 (+18.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, WTFC is in a uptrend. The price is currently testing key support at $148.25. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 57/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $180.07 (+18.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$151.01 -
$160.17
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (57/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($180.07)
- NEUTRAL: Bottoming setup forming (57/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$151.01 -
$160.17
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$148.25
Resistance Level
$154.64
Current Trend
Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.01
Wall Street Target
$180.07
(+18.3%)
Revenue Growth (YoY)
10.2%
Earnings Growth (YoY)
18.7%
Profit Margin
32.6%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
11.0 vs 11.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$151.40
(-1%)
2-Year Target
$150.64
(-1%)
3-Year Target
$149.89
(-2%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$152.47
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 5.5%)
$327.42
(+115%)
Base:
(SPY PE: 11.0, Growth: 5.5%)
$178.73
(+18%)
Bear:
(PE: 9.4, Growth: 5.5%)
$151.92
(0%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.09 | Current EPS (TTM): $12.47
Bull Case
$183.77
(+21%)
Analyst growth 10.8%, PE expands to 13.3
Base Case
$167.06
(+10%)
Market implied 10.8%, PE stable at 12.1
Bear Case
$102.51
(-33%)
Severe decline -20.0%, PE contracts to 10.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 11.0 to 11.2
Stabilization Target:
$154.78
(+1.7%)
PE Expansion Potential:
+1.7%
Share & Embed Analysis
Last updated: September 12, 2026 7:21 PM ET
Data refreshes hourly during market hours. Next update: 8:21 PM
Data refreshes hourly during market hours. Next update: 8:21 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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