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WTFC

Wintrust FinancialC
Nasdaq / Banks
Last Price
At close
2026-07-18
View Chart
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
Value
What changed
Next scheduled catalyst: earnings 2026-07-20 · AMC.
What can break
Credit losses from concentrated commercial real estate or SME lending
Momentum
50
Value
54
Sentiment
49
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $156.80 · Bull $178.00 · Bear $128.68
Earnings
2026-07-20 · AMC
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-21 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $178.47
Why
Momentum50 · Δ7d -5.3
Value54 · Δ7d +0.2
Sentiment49 · Δ7d -4.8
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
50
26% active weight
Current posture
7d trendFlat
Δ7d
-5.3
Δ21d
-5.7
Value
54
39% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+0.4
Sentiment
49
34% active weight
Current posture
7d trendSoftening
Δ7d
-4.8
Δ21d
-3.5
Why this grade

Composite grade C. Momentum 49.8 / Value 53.8 / Sentiment 49.4

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$11.08B
Beta
0.87
Shares Out
67.45M
P/E (TTM)
13.4
P/S (TTM)
3.67
P/FCF (TTM)
10.27
Rev YoY
+5.1%
EPS YoY
+19.5%
Gross Margin
-
Op Margin
+40.3%
Net Debt
$4.01B
Current Ratio
0.08
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology