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Stock Ratings / Financials / WTFC
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Wintrust Financial Corporation (WTFC) — RQD Stock Rating Cockpit

$157.40 +3.29% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $158.71

Wintrust Financial Corporation (WTFC) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 3% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $10.28B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on WTFC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is WTFC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Wintrust Financial Corporation (NASDAQ: WTFC) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $157.40 (+3.29% 1D, market cap $10.28B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, WTFC ranks #99 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does WTFC compare to UMBF and SSB in the Financials sector?
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Within the Financials sector (Major Banks), WTFC carries a Roarable B- (70/100 RQD), trailing P/E of 12.6x, gross margin of —, and ROIC of 3.1%. By comparison, UMBF (UMB Financial Corporation) holds a C+ grade (67/100 RQD, P/E 14.7x, ROIC 2.5%, cap $10.21B) and SSB (SouthState Bank Corporation) posts a C- grade (60/100 RQD, P/E 12.9x, ROIC 3.0%, cap $10.20B). Among the 5-stock peer group, BPOP leads on earnings multiple (12.1x) while CFR leads on capital efficiency (3.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WTFC?
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Per WTFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001015328), Wintrust Financial Corporation generated $265.6M in revenue (+5.9% YoY), $824.0M in net income, and $860.4M in free cash flow against $71.14B in total assets and $28.75B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $158.71 (+0.83%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 323.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510070
3-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C
Cash (14)Whales (13)SEC (15)Macro (11)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$196 Bull$166 Base$129 Bear
📬 FREE WTFC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WTFC)Realized 20D OHLCV Swing Band: ±4.2%
Deterministic 5-Pillar Attribution (70/100 Composite)
🔍 WHY WTFC SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (58.7) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
62
Grade C+$141.02+4.5% Next Q
Q2 (-2Q)
65
Grade C+$147.36+2% Next Q
Q3 (-1Q)
67
Grade B-$150.28+4.7% Next Q
Current
70
Grade B-$157.40+6.6% Hist 90D α
Trajectory: C+ (62) → B- (70)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the WTFC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, WTFC faces multiple-compression risk if 12.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($148.13) or 200D SMA ($150.35) invalidates the momentum regime and cuts Target Base ($165.90) toward Bear Floor ($129.07).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WTFC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “WTFC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 70%NO 30%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
58.730 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE78% OF RANGE
L: $122$157.40H: $167
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bullish on WTFC

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (70)

3.1% ROIC with 42.0% gross margin and 8.27% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (68)

30/40 institutional & smart-money positioning score with 11/20 macro alignment.

Bull Case: Why Buyers Like WTFC
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (WTFC Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
WTFC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +5.67%📐 HORIZONTAL RANGE
2026-11-03O $154.1H $157.4L $152.4C $157.4VOL 448.8K
RES: $171.4SUP: $137.2SMA50: $148.1SMA200: $150.4
$169.3$160.8$152.3$143.9$135.4RES $171.4SUP $137.2$157.42026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WTFC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WTFC Butterfly Map → + Track WTFC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
3.5%/yr Implied 5Y Growth

vs. +5.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on WTFC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WTFC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for WTFC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WTFC)

Financials Rank #99 of 1097 ⚔️ UMBF vs WTFC Full Matrix →

1. Head-to-Head Financials Peer Comparison (WTFC vs. UMBF, SSB, BPOP, CFR)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Wintrust Financial Corporation (WTFC) ranks #99 by composite RQD confidence (70/100, grade B-) and #181 by equity capitalization ($10.28B). Within this direct 5-issuer industry benchmark cohort, BPOP leads on earnings valuation at 12.1x trailing P/E, while CFR leads on capital efficiency and profitability with 3.4% ROIC and — gross margin. WTFC currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
WTFC ACTIVE
Wintrust Financial Corporation
B- 70/100 12.6x — 3.1% +3.29% $10.28B Benchmark Subject
UMBF
UMB Financial Corporation
C+ 67/100 14.7x — 2.5% +2.22% $10.21B /umbf-vs-wtfc →
SSB
SouthState Bank Corporation
C- 60/100 12.9x — 3.0% +1.75% $10.20B /ssb-vs-wtfc →
BPOP
Popular Inc.
C+ 67/100 12.1x — 3.1% +1.50% $9.99B /bpop-vs-wtfc →
CFR
Cullen/Frost Bankers Inc.
C- 60/100 15.1x — 3.4% +1.71% $9.80B /cfr-vs-wtfc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001015328 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Wintrust Financial Corporation (WTFC) reported GAAP revenue of $265.6M (+5.9% vs. FY2024 revenue of $250.7M , and +20.5% cumulative change since FY2023) , GAAP net income of $824.0M, operating cash flow of $910.3M, and free cash flow of $860.4M (+35.4% YoY). On the balance sheet, WTFC closed FY2025 with $71.14B in total assets against $28.75B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $265.6M $824.0M $910.3M $860.4M $71.14B $28.75B
FY2024 (FY) 2024-12-31 $250.7M $695.0M $721.6M $635.5M $64.88B $26.34B
FY2023 (FY) 2023-12-31 $220.4M $623.0M $744.4M $734.5M $5.72B $1.34B

3. WTFC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WTFC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Wintrust Financial Corporation (NASDAQ: WTFC) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $157.40 (+3.29% 1D, market cap $10.28B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, WTFC ranks #99 in composite RQD confidence.

How does WTFC compare to UMBF and SSB in the Financials sector?

Within the Financials sector (Major Banks), WTFC carries a Roarable B- (70/100 RQD), trailing P/E of 12.6x, gross margin of —, and ROIC of 3.1%. By comparison, UMBF (UMB Financial Corporation) holds a C+ grade (67/100 RQD, P/E 14.7x, ROIC 2.5%, cap $10.21B) and SSB (SouthState Bank Corporation) posts a C- grade (60/100 RQD, P/E 12.9x, ROIC 3.0%, cap $10.20B). Among the 5-stock peer group, BPOP leads on earnings multiple (12.1x) while CFR leads on capital efficiency (3.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WTFC?

Per WTFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001015328), Wintrust Financial Corporation generated $265.6M in revenue (+5.9% YoY), $824.0M in net income, and $860.4M in free cash flow against $71.14B in total assets and $28.75B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WTFC trading relative to its 50-day, 200-day, and 52-week technical levels?

WTFC last traded at $157.40 (+3.29% on volume of 705,857 shares), positioning the stock +6.26% above its 50-day simple moving average ($148.13) and +4.69% above its 200-day simple moving average ($150.35). Across its 52-week range of $122.00 to $167.22, WTFC sits at the 78.3% percentile with a 14-day RSI of 58.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.2% ($150.79 to $164.01).

Direct Sub-Reports: WTFC RQD Cockpit WTFC 12M Forecast WTFC Earnings & Move WTFC Dividends & DRIP WTFC Insiders & 13F WTFC Whale Options WTFC Profit Sankey WTFC News & Why
ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ SEC XBRL & RQD VERIFIED

WTFC — Wintrust Financial Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Wintrust Financial Corporation (WTFC) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $157.40 (+3.29% 1D, market capitalization $10.28B).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 3.1%, gross margin of —, operating margin of 75.0%, and free cash flow yield of 8.27%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (15/20): Incorporates a 1.14x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Wintrust Financial Corporation is a NASDAQ-listed issuer classified in the Financials sector, Major Banks industry..4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Wintrust Financial Corporation (WTFC) reported $265.6M in annual revenue (up from $250.7M in FY2024, +5.9% YoY) and $824.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($220.4M revenue, $623.0M net income) through FY2025, WTFC scaled operating cash flow to $910.3M and free cash flow to $860.4M, backed by $71.14B in total assets against $28.75B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B- • RQD 70/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $122.00 – $167.22 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.6x trailing P/E and 27.4x EV/EBITDA against 75.0% operating margins and a 1.14x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream/downstream dependencies, sector correlations, and bottlenecks are — The sector and beta data (Financials, beta 1.14) are the only available context for ripple exposure.

  • Key Question #1: Can WTFC sustain or expand its 75.0% operating margin and 3.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $265.6M and free cash flow of $860.4M, how will capital allocation balance growth reinvestment against $28.75B in total debt?
  • Key Question #3: How sensitive is WTFC's 11.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.14x)?

WTFC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Wintrust Financial Corporation (WTFC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to WTFC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WTFC Bull vs. Bear Conversation Board — What's Your Call at $157.40?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WTFC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on WTFC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $179.81 (+18.0%)
📌 Pinned Debate

Insider and congressional flow scores 17 of 20, the strongest pillar, alongside a 0.5 Debt/Equity ratio and Piotroski F of 8/9.

Here is why I am bullish on WTFC here at $152.38: Insider and congressional flow scores 17 of 20, the strongest pillar, alongside a 0.5 Debt/Equity ratio and Piotroski F of 8/9.. Compare WTFC's 75.0% operating margin and 3.1% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $144.76 are getting bought.

CapAlloc_Nerd 🐂 BULL

@DeltaGamma_99 Agree on the RQD 70/100 quality, though with 1.14 beta I'm scaling in with half-size at $152.38 and keeping dry powder in case we test $141.71.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $115.81 (-24.0%)
Spot @ $152.38

Reported debt climbs from $1.34B in FY 2023 to $28.75B in FY 2025 while ROIC sits at only 3.1%.

Sitting on the sidelines or leaning short WTFC above $152.38. Reported debt climbs from $1.34B in FY 2023 to $28.75B in FY 2025 while ROIC sits at only 3.1%.. Until Fundamental Cash Engine (14/20) and FCF yield (8.27%) inflect higher, upside is capped near $167.22.

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