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Wintrust Financial Corporation WTFC | NASDAQ

$154.22 $3.94 | 2.62%

TREND SIGNAL: Signal available — unlock to view

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|2026-08-20

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Company Overview:

Market Cap: $10.34B

Trailing PE: —

FWD PE: —

Payout Ratio (TTM): 19.9%

52-Week Range: $122.00 - $167.22

7.7 Year WTFC Performance Metrics:

Total Return (with DRIP): 147.5% (12.49% CAGR)

Total Return (no DRIP): 133.3% (11.63% CAGR)

Share Price: 116.8% (10.57% CAGR)

Yield on Cost (with DRIP): 3.53%

Total Invested: $10,000

Total Value (with DRIP): $24,753

Total Return $ (with DRIP): $14,753

Dividend Increase: 120.0% (11.09% CAGR)

Dividend Yield (FWD): 1.43% ($2.20)

WTFC 7.7-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

WTFC Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

WTFC Price CAGR:1Y: 20.95%2Y: 15.46%5Y: 11.75%10Y: 10.51%

WTFC Dividend Charts

WTFC - Dividends

WTFC Dividend CAGR:1Y: 7.95%2Y: 9.36%5Y: 11.53%10Y: 16.03%

WTFC - Dividend Payout Ratio

WTFC Dividend Payout Ratio CAGR:1Y: -5.97%2Y: -8.29%5Y: -3.69%10Y: 0.29%

WTFC - Dividend to Free Cash Flow Ratio

WTFC Dividend to FCF Ratio CAGR:1Y: 52.06%2Y: -0.63%5Y: 26.87%10Y: 0.00%

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WTFC - Chart 1

WTFC - Chart 2

WTFC - Chart 3

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WTFC Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

WTFC - Revenue

WTFC Revenue CAGR:1Y: 5.52%2Y: 6.56%5Y: 22.24%10Y: 15.60%

WTFC - Earnings Per Share (EPS)

WTFC EPS CAGR:1Y: 18.71%2Y: 19.26%5Y: 12.64%10Y: 13.38%

WTFC - Net Income

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WTFC Net Income CAGR:1Y: 19.52%2Y: 23.84%5Y: 17.33%10Y: 16.66%

WTFC - EBITDA

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WTFC EBITDA CAGR:1Y: 10.11%2Y: 18.15%5Y: 9.33%10Y: 11.01%

WTFC - Free Cash Flow

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WTFC Free Cash Flow CAGR:1Y: -26.10%2Y: 14.30%5Y: -10.93%10Y: 0.00%

WTFC - Free Cash Flow / Share

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WTFC Free Cash Flow / Share CAGR:1Y: -26.65%2Y: 9.45%5Y: -13.86%10Y: 0.00%

WTFC - Operating Income

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WTFC Operating Income CAGR:1Y: 22.84%2Y: 24.59%5Y: 93.04%10Y: 55.36%

WTFC - Gross Profit

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WTFC Gross Profit CAGR:1Y: 10.32%2Y: 13.88%5Y: 12.11%10Y: 10.71%

WTFC - Shares Outstanding

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WTFC Shares Outstanding CAGR:1Y: 0.66%2Y: 4.16%5Y: 3.34%10Y: 2.52%

WTFC - Share Buybacks

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WTFC Share Buybacks CAGR:1Y: -69.63%2Y: 2,919.93%5Y: 0.00%10Y: 0.00%

WTFC - Stock-Based Comp

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WTFC Stock-Based Comp CAGR:1Y: 14.76%2Y: 14.16%5Y: 28.48%10Y: 17.79%

WTFC - Expenses

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WTFC Expenses CAGR:1Y: 136.33%2Y: -33.63%5Y: 17.43%10Y: 1.04%

WTFC - Revenue vs Net Income

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WTFC - EPS vs FCF / Share

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WTFC - EPS vs PE Ratio

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WTFC - FCF vs FCF / Share

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WTFC - FCF vs Stock Based Comp

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WTFC - Cash & Debt

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WTFC - Revenue by Segment

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WTFC Revenue CAGR:1Y: 5.52%2Y: 6.56%5Y: 22.24%10Y: 15.60%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

WTFC - REVENUE: Actual + Estimates

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WTFC Actual Revenue CAGR:1Y: 5.52%2Y: 6.56%5Y: 22.24%10Y: 15.60%

WTFC - EPS: Actual + Estimates

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WTFC Actual EPS CAGR:1Y: 18.71%2Y: 19.26%5Y: 12.64%10Y: 13.38%

WTFC - NET INCOME: Actual + Estimates

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WTFC Actual Net Income CAGR:1Y: 19.52%2Y: 23.84%5Y: 17.33%10Y: 16.66%

WTFC - EBITDA: Actual + Estimates

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WTFC Actual EBITDA CAGR:1Y: 10.11%2Y: 18.15%5Y: 9.33%10Y: 11.01%

Ratios, Profit Margins & Return on Capital:

WTFC - Net Profit Margin

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WTFC Net Profit Margin CAGR:1Y: 13.25%2Y: 16.21%5Y: -4.02%10Y: 0.92%

WTFC - Gross Profit Margin

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WTFC Gross Profit Margin CAGR:1Y: 4.56%2Y: 6.88%5Y: -8.29%10Y: -4.23%

WTFC - Price to Earnings

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WTFC Price to Earnings CAGR:1Y: 9.45%2Y: 9.18%5Y: 3.23%10Y: -0.40%

WTFC - Price To Sales Ratio

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WTFC Price To Sales Ratio CAGR:1Y: 23.78%2Y: 24.57%5Y: -1.64%10Y: 0.15%

WTFC - Return on Capital Employed

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WTFC Return on Capital Employed CAGR:1Y: 66.61%2Y: 36.97%5Y: 163.00%10Y: 70.00%

WTFC - Return on Invested Capital

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WTFC Return on Invested Capital CAGR:1Y: 20.02%2Y: 17.14%5Y: 68.51%10Y: 39.40%

WTFC Dividends Info:

Annual Dividend: $2.2

Forward Yield: 1.43%

Ex-Dividend Date: 2026-11-05

Lifetime Dividends / Share: $17.77

WTFC Dividend History: Dates, Payments & Yield list

Below is a schedule of all WTFC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
11/05/2026	11/19/2026	$0.550	1.46%	0%	$0.00
08/06/2026	08/10/2026	$0.550	1.38%	1.38%	$159.20
05/14/2026	05/18/2026	$0.550	1.5%	1.5%	$146.89
02/05/2026	02/09/2026	$0.550	1.39%	1.39%	$158.57
11/06/2025	11/10/2025	$0.500	1.55%	1.52%	$131.61
08/07/2025	08/11/2025	$0.500	1.63%	1.63%	$122.55
05/08/2025	05/12/2025	$0.500	1.71%	1.64%	$121.68
02/06/2025	02/10/2025	$0.500	1.52%	1.55%	$129.07
11/07/2024	11/11/2024	$0.450	1.42%	1.35%	$133.03
08/08/2024	08/12/2024	$0.450	1.83%	1.84%	$97.73
05/08/2024	05/10/2024	$0.450	1.79%	1.77%	$101.70
02/07/2024	02/09/2024	$0.450	1.97%	1.92%	$93.87
11/08/2023	11/10/2023	$0.400	2.02%	2.05%	$78.02
08/09/2023	08/11/2023	$0.400	1.93%	1.91%	$83.67
05/10/2023	05/12/2023	$0.400	2.58%	2.63%	$60.91
02/08/2023	02/10/2023	$0.400	1.69%	1.71%	$93.65
11/09/2022	11/25/2022	$0.340	1.45%	1.51%	$89.77
08/10/2022	08/25/2022	$0.340	1.57%	1.55%	$87.92
05/11/2022	05/26/2022	$0.340	1.62%	1.57%	$86.58
02/09/2022	02/24/2022	$0.340	1.33%	1.43%	$94.99
11/09/2021	11/26/2021	$0.310	1.35%	1.36%	$91.06
08/04/2021	08/19/2021	$0.310	1.76%	1.74%	$71.41
05/05/2021	05/20/2021	$0.310	1.58%	1.62%	$76.58
02/10/2021	02/25/2021	$0.310	1.82%	1.61%	$76.95
11/10/2020	11/27/2020	$0.280	2.09%	1.95%	$57.55
08/05/2020	08/20/2020	$0.280	2.61%	2.6%	$43.11
05/06/2020	05/21/2020	$0.280	3.13%	2.89%	$38.77
02/05/2020	02/20/2020	$0.280	1.69%	1.72%	$65.10
11/06/2019	11/21/2019	$0.250	1.48%	1.5%	$66.50
08/07/2019	08/22/2019	$0.250	1.52%	1.57%	$63.87
05/08/2019	05/23/2019	$0.250	1.34%	1.43%	$70.05
02/06/2019	02/21/2019	$0.250	1.39%	1.34%	$74.48
11/07/2018	11/23/2018	$0.190	0%	1.07%	$71.14
08/08/2018	08/23/2018	$0.190	0%	1.07%	$71.14
05/09/2018	05/24/2018	$0.190	0%	1.07%	$71.14
02/07/2018	02/22/2018	$0.190	0%	1.07%	$71.14
11/08/2017	11/24/2017	$0.140	0%	0.79%	$71.14
08/08/2017	08/24/2017	$0.140	0%	0.79%	$71.14
05/09/2017	05/25/2017	$0.140	0%	0.79%	$71.14
02/07/2017	02/23/2017	$0.140	0%	0.79%	$71.14
11/08/2016	11/25/2016	$0.120	0%	0.67%	$71.14
08/09/2016	08/25/2016	$0.120	0%	0.67%	$71.14
05/10/2016	05/26/2016	$0.120	0%	0.67%	$71.14
02/09/2016	02/25/2016	$0.120	0%	0.67%	$71.14
11/09/2015	11/27/2015	$0.110	0%	0.62%	$71.14
08/04/2015	08/20/2015	$0.110	0%	0.62%	$71.14
05/05/2015	05/21/2015	$0.110	0%	0.62%	$71.14
02/03/2015	02/19/2015	$0.110	0%	0.62%	$71.14
11/04/2014	11/20/2014	$0.100	0%	0.28%	$71.14
08/05/2014	08/21/2014	$0.100	0%	0.28%	$71.14
05/06/2014	05/22/2014	$0.100	0%	0.28%	$71.14
02/04/2014	02/20/2014	$0.100	0%	0.28%	$71.14
08/06/2013	08/22/2013	$0.090	0%	0.25%	$71.14
02/05/2013	02/21/2013	$0.090	0%	0.25%	$71.14
08/07/2012	08/23/2012	$0.090	0%	0.25%	$71.14
02/07/2012	02/23/2012	$0.090	0%	0.25%	$71.14
08/09/2011	08/25/2011	$0.090	0%	0.25%	$71.14
02/08/2011	02/24/2011	$0.090	0%	0.25%	$71.14
08/10/2010	08/26/2010	$0.090	0%	0.25%	$71.14
02/09/2010	02/25/2010	$0.090	0%	0.25%	$71.14
08/11/2009	08/27/2009	$0.090	0%	0.25%	$71.14
02/10/2009	02/26/2009	$0.180	0%	0.51%	$71.14
08/05/2008	08/21/2008	$0.180	0%	0.51%	$71.14
02/05/2008	02/21/2008	$0.180	0%	0.51%	$71.14
08/07/2007	08/23/2007	$0.160	0%	0.45%	$71.14
02/06/2007	02/22/2007	$0.160	0%	0.45%	$71.14
08/08/2006	08/24/2006	$0.140	0%	0.39%	$71.14
02/07/2006	02/23/2006	$0.140	0%	0.39%	$71.14
08/05/2005	08/23/2005	$0.120	0%	0.34%	$71.14
02/04/2005	02/22/2005	$0.120	0%	0.34%	$71.14
08/06/2004	08/24/2004	$0.100	0%	0.28%	$71.14
02/03/2004	02/19/2004	$0.100	0%	0.28%	$71.14
08/01/2003	08/19/2003	$0.080	0%	0.22%	$71.14
02/04/2003	02/20/2003	$0.080	0%	0.22%	$71.14
08/02/2002	08/20/2002	$0.060	0%	0.17%	$71.14
02/01/2002	02/19/2002	$0.060	0%	0.17%	$71.14
08/07/2001	08/23/2001	$0.047	0%	0.13%	$71.14
02/06/2001	02/22/2001	$0.047	0%	0.26%	$71.14
08/08/2000	08/24/2000	$0.033	0%	0.19%	$71.14
02/08/2000	02/24/2000	$0.017	0%	0.09%	$71.14

Projected Future Returns & Dividends for WTFC

Based on past 7.7-year performance, here are WTFC growth metrics:

Share price CAGR of +10.57%
Dividend CAGR of +14.68%

Using WTFC CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	WTFC (DRIP)	WTFC - No DRIP
Current Price	$154.22	$154.22
Start Shares	64.84	64.84
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	76.76	64.84
Dividends Payment	$2.16	$2.16
Annual Dividends	$664	$561
Yield on cost	6.64%	5.61%
Share Price	$421.25	$421.25
Total Dividends	$3,141	$2,851
Final Value	$32,333	$30,166

Estimated Future Value + Dividends - WTFC

NOTE: Above numbers are our estimate based on WTFC's Dividend and Price CAGR over past 7.7 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Wintrust Financial Corporation (WTFC) had its IPO on 1998-04-16, and is traded on NASDAQ stock exchange.

Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers a comprehensive array of financial products and services. This includes various deposit accounts, such as non-interest-bearing, interest-bearing transaction, savings, and domestic time deposits. On the lending side, it provides home equity loans, consumer loans, and real estate financing. Customers also have access to essential banking services like safe deposit facilities, ATMs, online banking, and mobile banking. Beyond standard offerings, this segment is actively involved in originating and acquiring residential mortgages for sale in the secondary market. It extends specialized lending, deposit, and treasury management solutions to condominium, homeowner, and community associations, alongside offering asset-based financing for middle-market enterprises. Further niche services encompass loan and deposit facilities for mortgage brokerage firms, financing for restaurant franchisees, direct leasing, Small Business Administration (SBA) loans, commercial mortgages, and construction loans, all forming part of its broader financial solutions. Its client base is diverse, ranging from individuals and small to mid-sized businesses to local governmental units and institutional clients, for whom it provides both personal and commercial banking. The Specialty Finance segment delivers targeted financial services, including the financing of commercial and life insurance premiums for both corporate and individual clients. It also handles accounts receivable financing, provides value-added administrative services, and offers outsourced solutions such as payroll processing, billing, and cash management tailored specifically for the temporary staffing industry. This segment rounds out its offerings with other specialized financial products. The Wealth Management segment is dedicated to assisting clients with a full suite of services, including trust and investment management, comprehensive asset management, tax-deferred exchange facilitation, securities brokerage, and retirement plan services. Wintrust maintains a significant physical presence, operating 173 banking facilities and 228 ATMs. Its geographic footprint covers the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. The company, established in 1991, is headquartered in Rosemont, Illinois.

WTFC website: https://www.wintrust.com

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DCF Model — WTFC

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $154.22

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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