Wintrust Financial
Combines locally run Midwest banks with national specialty-finance and wealth-management businesses.
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Profile
Operates locally run community banks across the Midwest alongside national specialty-finance and wealth-management businesses. Revenue comes from lending and deposits, insurance-premium and receivables financing, leasing, mortgage activity, and trust and investment services.
Community Banking provides personal and commercial banking, residential mortgage origination, and niche lending through locally run banks across metropolitan Chicago and neighboring Midwest markets. Local decision-making and customer service remain central to the operating model.
Specialty Finance serves the United States and Canada through insurance-premium financing, equipment leasing, and short-term receivables finance. Wealth Management adds trust, investment, asset-management, and tax-deferred exchange services.
Combining local bank identities with shared group capabilities allows the franchise to pair community-level relationships with specialized financial services. Operations remain concentrated in core US markets, while credit quality, deposits and liquidity, interest rates, regulation, technology, cybersecurity, and acquisition integration shape results.
Company facts
Categories
Key statistics
Year to date +7.2% · Average volume (30d) 604.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 22, 2026 | DA Davidson | Reiterate | Buy | $185 | $190 | |
| Jul 22, 2026 | Piper Sandler | Reiterate | Overweight | $184 | $186 | |
| Jul 21, 2026 | Capital One Financial | Target | $170 | |||
| Jul 21, 2026 | Citigroup | Downgrade | Buy | Neutral | ||
| Jul 21, 2026 | D.A. Davidson | Target | $172 | $185 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 20, 2026Q2 FY26 | $3.14 | $3.30 | +5.1% | $735.4M | $738.6M | +0.4% | −2.89% |
| Apr 20, 2026Q1 FY26 | $2.96 | $3.22 | +8.8% | $707.3M | $713.2M | +0.8% | +0.99% |
| Jan 20, 2026Q4 FY25 | $2.93 | $3.15 | +7.5% | $701.9M | $714.3M | +1.8% | +4.71% |
| Oct 20, 2025Q3 FY25 | $2.63 | $3.06 | +16.3% | $689.5M | $697.8M | +1.2% | +2.26% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $1.00B | $1.04B | $1.09B | $1.09B | $1.06B | $1.10B | |
| Gross profit | $619.1M | $648.5M | $676.1M | $686.7M | $683.6M | $715.5M | |
| Operating income | $253.1M | $267.1M | $296.0M | $302.2M | $300.9M | $328.1M | |
| Net income | $189.0M | $195.5M | $216.3M | $223.0M | $227.4M | $233.7M | |
| Diluted EPS | $2.69 | $2.78 | $2.79 | $3.30 | $3.22 | $3.30 | |
| Gross margin | 61.7% | 62.1% | 61.8% | 63.2% | 64.4% | 64.9% | |
| Operating margin | 25.2% | 25.6% | 27.0% | 27.8% | 28.3% | 29.8% |
Fiscal years (4-quarter sums)FY21 $1.86B · FY22 $2.21B · FY23 $3.33B · FY24 $3.97B · FY25 $4.23B
Revenue by product · FY24
Balance sheet, Jun 30, 2026Cash & short-term investments $15.02B · Total debt $4.37B · Total assets $74.67B · Shareholders' equity $7.53B
Dividends
Raised for 15 straight years — most recently to $0.55 from $0.50 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 6, 2026 | Aug 6 | Aug 20 | $0.55 | |
| May 14, 2026 | May 14 | May 28 | $0.55 | |
| Feb 5, 2026 | Feb 5 | Feb 19 | $0.55 | raised from $0.50 |
| Nov 6, 2025 | Nov 6 | Nov 20 | $0.50 | |
| Aug 7, 2025 | Aug 7 | Aug 21 | $0.50 | |
| May 8, 2025 | May 8 | May 22 | $0.50 | |
| Feb 6, 2025 | Feb 6 | Feb 20 | $0.50 | raised from $0.45 |
| Nov 7, 2024 | Nov 7 | Nov 22 | $0.45 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 67.45M · Float 66.50M · 98.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 6.58M | 9.76% | 13F | Aug 7, 2026 |
| FMR LLC | 5.12M | 7.59% | 13F | Aug 13, 2026 |
| Vanguard Portfolio Management LLC | 3.60M | 5.33% | 13F | Aug 13, 2026 |
| Vanguard Capital Management LLC | 3.07M | 4.55% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 2.68M | 3.97% | 13F | Aug 11, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | David A. Dykstra | officer: VICE CHAIRMAN AND COO | −13,515 | $162.77 |
| May 4, 2026 | Suzet M. Mckinney | director | −500 | $148.96 |
| Apr 27, 2026 | David A. Dykstra | officer: VICE CHAIRMAN AND COO | −9,579 | $148.82 |
| Apr 23, 2026 | David L. Stoehr | officer: CHIEF FINANCIAL OFFICER | −3,020 | $150.45 |
| Mar 4, 2026 | Jeffrey D. Hahnfeld | officer: EVP-CONTROLLER & CHIEF ACC OFF | −530 | $145.65 |
Peers
- JPMorgan Chase
Chicago deposit leader spanning retail, business banking, and wealth
- Bank of Montreal
Large Chicago franchise across personal, commercial, and private banking
- Old National Bancorp
Midwest regional bank with a direct Chicago community-banking overlap
- Fifth Third
Midwest retail, commercial, and wealth rival with an established Chicago base
- Associated Banc-Corp
Midwest banking franchise overlapping in Illinois and Wisconsin
- Truist Financial
Direct U.S. and Canadian rival in commercial and life premium finance
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Wintrust Financial | $161.72 | +5.73% | $10.32B | 12.1 | 11.6 | 2.4 | +10.1% |
| JPMorgan Chase | $357.66 | +0.05% | $958.25B | 15.4 | 14.8 | 3.2 | +27.8% |
| Bank of Montreal | $171.86 | −0.04% | $120.37B | 19.6 | 14.7 | 2.2 | −20.6% |
| Old National Bancorp | $25.85 | +0.02% | $9.89B | 11.4 | 9.5 | 2.5 | +12.3% |
| Fifth Third | $54.60 | +0.14% | $49.43B | 18.6 | 11.9 | 3.3 | +45.2% |
| Associated Banc-Corp | $30.92 | −0.00% | $5.84B | 10.8 | 9.9 | 2.3 | +29.1% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Median | 13.7 | 11.3 | 2.4 | +20.0% |