WTFC Stock Analysis: Buy, Sell, or Hold?
WTFC - Wintrust Financial Corp
$154.12
0.60 (0.39%)
▲
5d:
+0.76%
30d:
-3.15%
90d:
+0.8%
BUY
HIGH Confidence
Analysis Updated: Sep 4, 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
$195.19
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 $154.12, which is considered slightly low relative to its 30-day fair value range of $152.51 to $161.42. The stock's valuation (Forward PE: 11.2) is in line with its historical norms (11.2). Remarkably, the market is currently pricing in an annual earnings decline of 0.1% 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 approaching resistance at $154.64. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: WTFC scores 74/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $180.07 (+16.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, WTFC is in a uptrend. The price is approaching resistance at $154.64. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: WTFC scores 74/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $180.07 (+16.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$152.51 -
$161.42
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
88.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (74/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($180.07)
- BULLISH: Bottoming setup score 74/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$152.51 -
$161.42
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 4, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.15
Wall Street Target
$180.07
(+16.8%)
Revenue Growth (YoY)
10.2%
Earnings Growth (YoY)
18.7%
Profit Margin
32.6%
Valuation Discount vs History
-0.1% cheaper
PE vs Historical
11.2 vs 11.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.1%
(market-implied from PE analysis)
1-Year Target
$153.97
(0%)
2-Year Target
$153.81
(0%)
3-Year Target
$153.66
(0%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$154.31
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 5.5%)
$328.39
(+113%)
Base:
(SPY PE: 11.2, Growth: 5.5%)
$181.03
(+18%)
Bear:
(PE: 9.5, Growth: 5.5%)
$153.88
(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: 12.22 | Current EPS (TTM): $12.56
Bull Case
$185.81
(+21%)
Analyst growth 10.0%, PE expands to 13.5
Base Case
$168.91
(+10%)
Market implied 10.0%, PE stable at 12.2
Bear Case
$104.39
(-32%)
Severe decline -20.0%, PE contracts to 10.4
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 11.2 to 11.2
Stabilization Target:
$154.78
(+0.4%)
PE Expansion Potential:
+0.4%
Share & Embed Analysis
Last updated: September 05, 2026 6:05 AM ET
Data refreshes hourly during market hours. Next update: 7:05 AM
Data refreshes hourly during market hours. Next update: 7:05 AM
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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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