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WTFC

Wintrust FinancialB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Record Q3 earnings and deposit growth that matched loan growth support further net-interest-income gains if credit costs stay contained. D.A.
Posture
Constructive
Lead driver
Sentiment
What changed
6 setup hits (3d) with net bullish as of 2026-10-25.
What can break
Deposit competition or lower loan yields could weaken the approximately 3.5% fully taxable-equivalent net interest margin. [#SEC-8K-2026-10-19]
Momentum
41
Value
56
Sentiment
61
Setup hits (3d)
6 · Net Bullish
AI TargetsBase $165.00 · Bull $185.00 · Bear $125.00Analysis 2026-10-22; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-22 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $172.12
Why
Momentum41 · Δ7d +7.2
Value56 · Δ7d -1.2
Sentiment61 · Δ7d -1.6
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 6 setup hits (3d) with net bullish as of 2026-10-25.
  • • Sentiment remains the lead driver in the composite, 7D delta -1.6.

Contradictions & invalidation

  • • Deposit competition or lower loan yields could weaken the approximately 3.5% fully taxable-equivalent net interest margin. [#SEC-8K-2026-10-19]
  • • Net charge-offs increased from 10 to 15 basis points annualized quarter over quarter; further credit deterioration could overwhelm loan-growth benefits. [#SEC-8K-2026-10-19]
  • • Higher charge-offs could erode incremental earnings, and post-print analyst revisions were mixed: Piper Sandler cut its target to $186 from $195 while retaining Overweight; TD Cowen raised its target only $1 to $174 while retaining Buy.

Catalyst clock

2026-11-15

Post-earnings reassessment

Lead driver: Sentiment · See AI snapshot
Momentum
41
8% active weight
Current posture
7d trendImproving
Δ7d
+7.2
Δ21d
+9.4
Value
56
47% active weight
Current posture
7d trendSoftening
Δ7d
-1.2
Δ21d
-1.2
Sentiment
61
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.6
Δ21d
-9.0
Why this grade

Composite grade B. Momentum 41.3 / Value 56.0 / Sentiment 60.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-22. Scenario method

B+
Bull case
30%
Probability
Target price
$185.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$165.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$125.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$10.17B
Beta
0.87
Shares Out
67.47M
P/E (TTM)
13.4
P/S (TTM)
3.67
P/FCF (TTM)
10.27
Rev YoY
+4.2%
EPS YoY
+18.7%
Gross Margin
-
Op Margin
+28.0%
Net Debt
$4.01B
Current Ratio
0.09
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data