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WTFC

Wintrust FinancialC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Wintrust sustains strong NIM and loan growth, minimal credit strain, and executes accretive deployments/M&A — earnings re-rate toward the high analyst range (≈$178).
Posture
Mixed
Lead driver
Sentiment
What changed
6 setup hits (3d) with net bullish as of 2026-09-09.
What can break
Credit losses from concentrated commercial real estate or SME lending
Momentum
30
Value
55
Sentiment
66
Setup hits (3d)
6 · Net Bullish
AI TargetsBase $156.80 · Bull $178.00 · Bear $128.68Analysis 2026-01-21; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-21 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Bullish
Target $179.13
Why
Momentum30 · Δ7d -3.8
Value55 · Δ7d -0.0
Sentiment66 · Δ7d +4.1
So what
Balanced signals (Net Bullish). Wait for confirmation before sizing up.

Confirming evidence

  • • 6 setup hits (3d) with net bullish as of 2026-09-09.
  • • Sentiment remains the lead driver in the composite, 7D delta +4.1.

Contradictions & invalidation

  • • Credit losses from concentrated commercial real estate or SME lending
  • • Net interest margin compression from an adverse Fed or deposit mix shifts
  • • NIM compression, slower commercial loan demand, or incremental credit stress in CRE/SMB lead to downside toward the low analyst range (≈$128.68).

Catalyst clock

2026-04-21

Estimated quarterly earnings release

Lead driver: Sentiment · See AI snapshot
Momentum
30
9% active weight
Current posture
7d trendSoftening
Δ7d
-3.8
Δ21d
-8.3
Value
55
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
66
62% active weight
Current posture
7d trendImproving
Δ7d
+4.1
Δ21d
+1.3
Why this grade

Composite grade C. Momentum 30.4 / Value 55.3 / Sentiment 65.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-21. Scenario method

B+
Bull case
25%
Probability
Target price
$178.00
Analysis reference price unavailable
Analysis 2026-01-21 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$156.80
Analysis reference price unavailable
Analysis 2026-01-21 · RankAlpha Sentiment AI
B-
Bear case
15%
Probability
Target price
$128.68
Analysis reference price unavailable
Analysis 2026-01-21 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$10.86B
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 2026-09-10 • Updated nightlySource: Internal modelMethods & Data