WTFC Stock Analysis: Buy, Sell, or Hold?
WTFC - Wintrust Financial Corp
$152.67
0.06 (0.04%)
▲
5d:
-6.03%
30d:
-3.23%
90d:
+2.07%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 19, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: WTFC shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: WTFC shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$194.08
Based on 4.7% avg growth
INTRINSIC VALUE TODAY
$120.51
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 $152.67, which is considered oversold relative to its 30-day fair value range of $156.80 to $163.28. The stock's valuation (Forward PE: 11.1) is in line with its historical norms (11.2). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% 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 strong uptrend. The price is currently testing key support at $151.42. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: WTFC scores 39/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $180.07 (+18.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, WTFC is in a strong uptrend. The price is currently testing key support at $151.42. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: WTFC scores 39/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $180.07 (+18.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$156.80 -
$163.28
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
54.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (39/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($180.07)
- WARNING: Composite score 50/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$156.80 -
$163.28
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$151.42
Resistance Level
$164.57
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.05
Wall Street Target
$180.07
(+18.0%)
Revenue Growth (YoY)
10.2%
Earnings Growth (YoY)
18.7%
Profit Margin
32.6%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
11.1 vs 11.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$152.00
(0%)
2-Year Target
$151.39
(-1%)
3-Year Target
$150.79
(-1%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$152.78
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 5.3%)
$323.93
(+112%)
Base:
(SPY PE: 11.1, Growth: 5.3%)
$178.41
(+17%)
Bear:
(PE: 9.4, Growth: 5.3%)
$151.65
(-1%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.75 | Current EPS (TTM): $12.03
Bull Case
$193.67
(+27%)
Analyst growth 14.8%, PE expands to 14.0
Base Case
$176.06
(+15%)
Market implied 14.8%, PE stable at 12.8
Bear Case
$104.32
(-32%)
Severe decline -20.0%, PE contracts to 10.8
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 11.1 to 11.2
Stabilization Target:
$154.63
(+1.3%)
PE Expansion Potential:
+1.3%
Share & Embed Analysis
Last updated: August 23, 2026 3:58 PM ET
Data refreshes hourly during market hours. Next update: 4:58 PM
Data refreshes hourly during market hours. Next update: 4:58 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
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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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