WTFC
Wintrust Financial Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
-4/100
Last price
144.94
▼ 0.26 (0.18%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
146.10
Prev close
145.20
Day high
146.67
Day low
144.69
Volume
681.37K
Market cap
$9.78B
P/E (TTM)
11.66
52W range
119.61 – 167.22
Day trading desk
Gap from prior close
+0.62%
Prior close 145.20
VWAP
145.15
-0.14% from price
Relative volume
1.71×
Unusually busy
Session range
1.36%
144.69 – 146.66
Position in range
13%
Near session low
ATR (14D)
2.67
1.84% of price
Prior day high
147.16
PDH
Prior day low
143.70
PDL
Bid / ask spread
—
Quote not published
Session volume
962.73K
Avg 564.07K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+1.01%
-0.9%
1M
-5.96%
-7.1%
3M
-8.51%
-13.0%
6M
+3.20%
-15.0%
YTD
+3.66%
-10.6%
1Y
+11.15%
-5.3%
3Y
+91.97%
+9.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on WTFC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-13.28K
Net selling
Buy transactions
28
13.33K shares
Sell transactions
4
26.61K shares
Net transactions
+32
Buys less sells
Sell : buy shares
2.0 : 1
Mixed
Insider-held shares
949.92K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 30, 26 | KENNEY BRIAN A Director |
STOCK | 470 | $75.54K | Direct |
| Sep 30, 26 | GLABE MARLA F Director |
STOCK | 361 | $58.02K | Direct |
| Sep 30, 26 | CONNELLY ELIZABETH H Director |
STOCK | 412 | $66.22K | Direct |
| Sep 30, 26 | LEFEVRE DEBORAH L. HALL Director |
STOCK | 439 | $70.56K | Direct |
| Sep 30, 26 | TEGLIA KARIN GUSTAFSON Director |
STOCK | 420 | $67.50K | Direct |
| Sep 30, 26 | WASHINGTON ALEX E III Director |
STOCK | 434 | $69.75K | Direct |
| Sep 30, 26 | MCKINNEY SUZET M Director |
STOCK | 354 | $56.90K | Direct |
| Sep 30, 26 | RICHTER DAVID S Director |
STOCK | 394 | $63.32K | Direct |
| Sep 30, 26 | KOHL LAURA A. Director |
STOCK | 346 | $55.61K | Direct |
| Sep 30, 26 | SMITH GREGORY A Director |
STOCK | 388 | $62.36K | Direct |
| Sep 30, 26 | CRIST PETER D Director |
STOCK | 616 | $99.00K | Direct |
| Aug 20, 26 | WEHMER EDWARD J Officer |
STOCK | 218 | $33.27K | Direct |
| Aug 20, 26 | DYKSTRA DAVID A Chief Operating Officer |
STOCK | 153 | $23.35K | Direct |
| Aug 17, 26 | ZIDAR THOMAS P Officer |
STOCK | 1.00K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CRANE TIMOTHY S |
Chief Executive Officer | 108.48K | Stock Award(Grant) |
CRIST PETER D |
Director | 76.25K | Stock Award(Grant) |
DYKSTRA DAVID A |
Chief Operating Officer | 166.60K | Stock Award(Grant) |
GLABE MARLA F |
Director | 24.14K | Stock Award(Grant) |
HACKETT H PATRICK JR |
Director | 47.35K | Stock Award(Grant) |
HEITMANN SCOTT K |
Director | 25.82K | Stock Award(Grant) |
MURPHY RICHARD B |
Officer | 37.24K | Stock Gift |
POSTMA RICHARD L |
Director | 129.16K | Stock Award(Grant) |
WEHMER EDWARD J |
Officer | 196.03K | Stock Award(Grant) |
ZIDAR THOMAS P |
Officer | 60.14K | Stock Gift |
Fundamentals
Market cap$9.78B
Enterprise value$10.42B
Revenue (TTM)$2.76B
Gross profit$2.76B
EBITDA—
Net income$847.92M
EPS (TTM)$12.43
Free cash flow—
Total cash$4.30B
Total debt$4.51B
Book value / share$105.26
Shares outstanding67.46M
Float66.52M
Short % of float3.93%
Dividend yield1.51%
Beta (5Y)0.89
Valuation & profitability ratios
Trailing P/E11.66
Forward P/E10.48
PEG ratio1.17
Price / sales—
Price / book1.38
EV / revenue3.78
EV / EBITDA—
Gross margin0.00%
Operating margin46.09%
Profit margin32.64%
Return on equity12.21%
Return on assets1.25%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $2.73B | $2.45B | $2.27B | $1.96B | +11.2% |
| Operating revenue | $2.73B | $2.45B | $2.27B | $1.96B | +11.2% |
| Selling, general & admin | $981.52M | $919.88M | $849.82M | $784.16M | +6.7% |
| Pre-tax income | $1.12B | $947.09M | $845.08M | $700.55M | +18.1% |
| Tax provision | $294.56M | $252.04M | $222.46M | $190.87M | +16.9% |
| Net income | $823.84M | $695.04M | $622.63M | $509.68M | +18.5% |
| Net income to common | $774.15M | $667.08M | $594.66M | $481.72M | +16.1% |
| Basic EPS | 11.57 | 10.47 | 9.72 | 8.14 | +10.5% |
| Diluted EPS | 11.40 | 10.31 | 9.58 | 8.02 | +10.6% |
| Basic shares | 66.90M | 63.69M | 61.15M | 59.20M | +5.0% |
| Diluted shares | 67.89M | 64.70M | 62.09M | 60.09M | +4.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $3.65B | $4.86B | $2.51B | $2.48B | -25.0% |
| Accounts receivable | $0 | $18.10M | $10.59M | $16.39M | -100.0% |
| Property, plant & equipment | $1.14B | $1.06B | $1.03B | $1.02B | +8.0% |
| Goodwill & intangibles | $895.96M | $918.63M | $679.56M | $675.71M | -2.5% |
| Total assets | $71.14B | $64.88B | $56.26B | $52.95B | +9.7% |
| Current debt | $0 | $0 | $0 | $290.00M | — |
| Long-term debt | $4.48B | $4.24B | $3.65B | $3.30B | +5.7% |
| Total debt | $4.48B | $4.24B | $3.65B | $3.59B | +5.7% |
| Total liabilities | $63.88B | $58.54B | $50.86B | $48.15B | +9.1% |
| Retained earnings | $4.54B | $3.90B | $3.35B | $2.85B | +16.4% |
| Shareholder equity | $7.26B | $6.34B | $5.40B | $4.80B | +14.4% |
| Net tangible assets | $6.36B | $5.43B | $4.72B | $4.12B | +17.3% |
| Shares issued | 67.06M | 66.56M | 61.27M | 60.80M | +0.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $823.84M | $695.04M | $622.63M | $509.68M | +18.5% |
| Depreciation & amortisation | $118.78M | $100.08M | $84.76M | $82.07M | +18.7% |
| Stock-based compensation | $41.55M | $38.11M | $33.49M | $31.75M | +9.0% |
| Change in working capital | -$104.49M | -$187.65M | -$38.61M | $295.43M | +44.3% |
| Operating cash flow | $910.35M | $721.56M | $744.38M | $1.38B | +26.2% |
| Capital expenditure | -$49.95M | -$86.03M | -$46.41M | -$53.45M | +41.9% |
| Investing cash flow | -$6.17B | -$5.95B | -$3.24B | -$3.49B | -3.7% |
| Share buybacks | -$415.50M | -$3.94M | -$1.91M | -$304.00K | -10,456.5% |
| Dividends paid | -$169.42M | -$143.28M | -$125.69M | -$108.21M | -18.2% |
| Financing cash flow | $5.27B | $5.26B | $2.43B | $2.20B | +0.1% |
| Free cash flow | $860.40M | $635.52M | $697.97M | $1.32B | +35.4% |
| End cash position | $467.94M | $458.54M | $423.46M | $490.97M | +2.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $738.63M | $713.17M | $714.33M | $697.84M | $670.78M | +3.6% |
| Operating revenue | $738.63M | $713.17M | $714.33M | $697.84M | $670.78M | +3.6% |
| Selling, general & admin | $256.00M | $252.66M | $247.41M | $250.11M | $249.27M | +1.3% |
| Pre-tax income | $317.96M | $300.94M | $302.22M | $296.04M | $267.09M | +5.7% |
| Tax provision | $84.27M | $73.55M | $79.20M | $79.79M | $71.56M | +14.6% |
| Net income | $233.69M | $227.39M | $223.02M | $216.25M | $195.53M | +2.8% |
| Net income to common | $225.33M | $219.02M | $214.66M | $188.91M | $188.54M | +2.9% |
| Basic EPS | 3.34 | 3.26 | 3.21 | 2.82 | 2.82 | +2.5% |
| Diluted EPS | 3.30 | 3.22 | 3.15 | 2.78 | 2.78 | +2.5% |
| Basic shares | 67.43M | 67.25M | 66.97M | 66.95M | 66.93M | +0.3% |
| Diluted shares | 68.29M | 68.10M | 68.11M | 67.98M | 67.82M | +0.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $4.17B | $3.60B | $3.65B | $3.99B | $5.27B | — | +16.0% |
| Accounts receivable | — | — | $0 | $0 | $0 | $0 | — |
| Property, plant & equipment | $1.14B | $1.14B | $1.14B | $1.08B | $1.07B | — | +0.2% |
| Goodwill & intangibles | $885.34M | $890.70M | $895.96M | $902.94M | $908.64M | — | -0.6% |
| Total assets | $74.67B | $72.16B | $71.14B | $69.63B | $68.98B | — | +3.5% |
| Current debt | — | $340.65M | $0 | — | — | — | — |
| Long-term debt | $4.37B | $4.00B | $4.48B | $4.28B | $4.33B | — | +9.2% |
| Total debt | $4.37B | $4.34B | $4.48B | $4.28B | $4.33B | — | +0.7% |
| Total liabilities | $67.14B | $64.78B | $63.88B | $62.58B | $61.76B | — | +3.6% |
| Retained earnings | $4.91B | $4.72B | $4.54B | $4.36B | $4.20B | — | +4.0% |
| Shareholder equity | $7.53B | $7.38B | $7.26B | $7.05B | $7.23B | — | +2.0% |
| Net tangible assets | $6.64B | $6.49B | $6.36B | $6.14B | $6.32B | — | +2.3% |
| Shares issued | 67.46M | 67.56M | 67.06M | 67.04M | 67.03M | — | -0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $233.69M | $227.39M | $223.02M | $216.25M | $195.53M | +2.8% |
| Depreciation & amortisation | $29.23M | $29.93M | $29.87M | $28.55M | $30.86M | -2.3% |
| Stock-based compensation | $11.66M | $11.32M | $10.90M | $10.07M | $10.16M | +3.0% |
| Change in working capital | $26.37M | $688.03M | -$50.01M | $73.67M | $65.27M | -96.2% |
| Operating cash flow | $255.11M | $927.18M | $251.66M | $209.78M | $329.16M | -72.5% |
| Capital expenditure | -$17.25M | -$13.21M | -$23.03M | -$17.21M | — | -30.6% |
| Investing cash flow | -$2.42B | -$1.87B | -$1.51B | -$739.96M | -$2.95B | -29.8% |
| Share buybacks | -$912.00K | -$4.81M | -$6.00K | -$412.49M | $0 | +81.1% |
| Dividends paid | -$45.47M | -$45.37M | -$41.85M | -$46.76M | -$40.46M | -0.2% |
| Financing cash flow | $2.22B | $1.02B | $1.16B | $400.08M | $2.70B | +118.6% |
| Free cash flow | $237.86M | $913.97M | $228.63M | $192.57M | $319.45M | -74.0% |
| End cash position | $595.86M | $543.72M | $467.94M | $565.47M | $695.56M | +9.6% |
Options analytics
Put / call volume
0.20
Call-heavy session
Put / call open interest
0.03
Positioning, not flow
Max pain
140.00
-3.4% from spot
ATM implied vol
51.1%
Nearest strike to spot
Skew (10% OTM)
+5.2%
Puts bid over calls
Call volume
5
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
155.00
85 contracts
Heaviest put OI
125.00
1 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 3.15 | 3.28 | +4.0% |
| Mar 2026 | 2.96 | 3.22 | +8.7% |
| Dec 2025 | 2.93 | 3.15 | +7.5% |
| Sep 2025 | 2.71 | 3.06 | +12.9% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 3.30 | 14 | $754.63M | +8.1% |
| Next quarter | 3.38 | 14 | $766.31M | +7.3% |
| Current year | 13.15 | 15 | $2.97B | +9.1% |
| Next year | 13.90 | 15 | $3.17B | +6.5% |
Analyst targets & ownership
Mean target$176.20
High target$195.00
Low target$160.00
Implied upside21.57%
Analyst count15
ConsensusBUY
Strong buy / Buy4 / 5
Hold6
Sell / Strong sell0 / 0
Held by insiders1.41%
Held by institutions97.12%
Institutions holding731
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
144.22
+0.50% from price
SMA 20
146.73
-1.22% from price
SMA 50
152.78
-5.13% from price
SMA 100
154.46
-6.16% from price
SMA 200
149.97
-3.35% from price
EMA 12
145.24
-0.21% from price
EMA 26
147.71
-1.87% from price
EMA 50
150.56
-3.74% from price
RSI (14)
40.4
Neutral
MACD (12,26,9)
-2.46
Hist 0.24
ATR (14)
2.67
1.84% of price
Realised vol 30D
16.2%
Annualised
Bollinger upper
152.97
20, 2σ
Bollinger lower
140.49
20, 2σ
50 / 200 cross
Golden
152.78 vs 149.97
Trend bias
Below 200
-3.35%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.82
Less volatile than market
Correlation to SPY
0.43
Loosely linked
Realised vol 30D
16.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-19.3%
Peak to trough
Max drawdown 5Y
-42.2%
Peak to trough
ATR 14
2.67
1.84% of price
Beta (reported)
0.89
5Y monthly, from filing
Short interest
Shares short
2.62M
Prior 2.51M
Change vs prior
+4.5%
Shorts adding
% of float
3.93%
Normal
% of shares out
3.89%
Against total outstanding
Days to cover
6.1
Crowded exit
Float
66.52M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 5, 26 | Barclays | MAINTAINED | Overweight | Overweight |
| Oct 5, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Oct 5, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Sep 24, 26 | Wells Fargo | INITIATED | — | Equal-Weight |
| Jul 22, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Jul 22, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jul 10, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Jul 7, 26 | Barclays | MAINTAINED | Overweight | Overweight |
| Jun 30, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Apr 23, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Apr 22, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Apr 22, 26 | Citigroup | MAINTAINED | Buy | Buy |
Dividends & splits
Forward rate$2.20 / yr
Forward yield1.51%
5-year avg yield1.55%
Payout ratio16.87%
Ex-dividend dateAug 6, 2026
Next pay dateAug 20, 2026
Last split3:2
Split dateMar 15, 2002
SEC filings
Periodic Financial Reports
10-Q · 2026-08-05
Corporate Changes & Voting Matters
8-K · 2026-07-20
Corporate Changes & Voting Matters
8-K · 2026-05-29
Offering Registrations
S-3ASR · 2026-05-07
Periodic Financial Reports
10-Q · 2026-05-06
Corporate Changes & Voting Matters
8-K · 2026-04-20
Proxy Statements
DEF 14A · 2026-04-09
Periodic Financial Reports
10-K · 2026-02-26
Headlines
1 Small-Cap Stock for Long-Term Investors and 2 We Ignore
StockStory · 6d ago
Wintrust Financial Corporation Announces Third Quarter and Year-to-Date 2026 Earnings Release Schedule
GlobeNewswire · 6d ago
Can EWBC Balance Growth While Raising Capital Distributions?
Zacks · 9d ago
ZION Gains 14.8% in 6 Months: How Should You Play the Stock Now?
Zacks · 9d ago
After Plunging 5.7% in 4 Weeks, Here's Why the Trend Might Reverse for Wintrust (WTFC)
Zacks · 12d ago
5 Big Dividend Yields With Ex-Dividend Dates Coming Up Fast
24/7 Wall St. · 19d ago
Transamerica, Great Lakes Advisors Expand Partnership to Managed Accounts
Wealth Management · 33d ago
Q2 Earnings Highlights: Wintrust Financial (NASDAQ:WTFC) Vs The Rest Of The Regional Banks Stocks
StockStory · 54d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.