B+
Bull case
30%
Probability
Target price
$185.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
WTFC
Wintrust FinancialBNasdaq / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-10-22
Recent news sentiment (30D)
+4.6
Mixed
Company
-
Unavailable
Macro
+4.6
Mixed
Pulse
-
Unavailable
Weekly research (10D)
+35.0
Positive
Sentiment proxy
+66.4
Score
AI commentary
The Q3 release supports a favorable operating read, but the earnings beat was modest: $3.37 EPS versus a reported $3.31 estimate and $757.88 million revenue versus $754.99 million estimated. Earnings comparison Shares closed at $146.29 on October 20 after a reported 2.7% daily gain, then reached the packet's $147.36 October 21 anchor; the initial reaction thus remained positive but not decisive. October 20 price Post-print target revisions are mixed, social coverage is absent, and the mislabeled MBWM earnings-document row cannot support this memo. Unavailable sentiment metrics are shown as zero placeholders, not measured neutral readings.
RankAlpha Sentiment Codex - 2026-10-22
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-11-15catalystPost-earnings reassessmentMedium impact
The October 19 earnings release furnished with Wintrust's 8-K reported record Q3 net income of $239.1 million, or $3.37 per diluted share, versus $3.30 in Q2. The near-term test is whether investors sustain the initial positive reaction despite mixed post-print target revisions. [#8-K-2026-10-19] [#SEC-8K-2026-10-19]
2027-01-31eventCredit-cost inflectionMedium impact
Q3 net charge-offs rose to $21.0 million, or 15 basis points of average loans annualized, from $13.4 million and 10 basis points in Q2; provision also rose to $25.9 million. A further increase could offset the benefit of loan growth, while stabilization would support the earnings thesis. [#SEC-8K-2026-10-19]
2027-01-31catalystLoan and deposit growth converts to earningsHigh impact
Q3 loans and deposits each grew at an 8% annualized rate, supporting a $24.2 million sequential increase in net interest income while the fully taxable-equivalent margin held near 3.5%. Continued deposit-funded growth, rather than margin expansion alone, is the upside test in subsequent results. [#SEC-8K-2026-10-19]
Recommendation
N/A
No formal recommendation provided.
As of 2026-10-22 • Updated nightlySource: Internal modelMethodology