Wintrust Financial (WTFC)
Market Price (9/23/2026): $144.64 | Market Cap: $9.8 BilSector: Financials | Industry: Regional Banks
Wintrust Financial (WTFC)
Market Price (9/23/2026): $144.64Market Cap: $9.8 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 16% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -74% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 57%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 55% Low stock price volatilityVol 12M is 25% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. | Key risksWTFC key risks include [1] credit quality concerns from its high commercial real estate (CRE) exposure and [2] potential net interest margin compression driven by a slowdown in its high-growth premium finance business. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 16% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -74% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 57%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 55% |
| Low stock price volatilityVol 12M is 25% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Key risksWTFC key risks include [1] credit quality concerns from its high commercial real estate (CRE) exposure and [2] potential net interest margin compression driven by a slowdown in its high-growth premium finance business. |
Qualitative Assessment
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Updated on 9/1/2026
Wintrust Financial (WTFC) stock has lost about 5% since 5/31/2026 because of the following key factors:
1. Wintrust Financial reported strong fiscal Q2 2026 earnings, exceeding analyst expectations in both diluted earnings per share (EPS) and revenue. The company announced a record net income of $233.7 million for the quarter ended June 30, 2026, marking its sixth consecutive record quarter. Diluted EPS reached $3.30, surpassing the consensus estimate of $3.15. Additionally, quarterly revenue grew 10.1% year-over-year to $738.64 million, exceeding analysts' expectations of $735.36 million.
2. The company demonstrated robust balance sheet growth and maintained a stable net interest margin during fiscal Q2 2026. Total loans increased by $1.6 billion, representing an annualized growth of 12%, to reach $55.655 billion. Concurrently, total deposits rose by $2.2 billion, an annualized increase of 15%, to $61.141 billion. The net interest margin (on a fully taxable-equivalent basis) remained stable at 3.52%, consistent with management's target range and its performance over the preceding ten quarters.
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Wintrust Financial (WTFC) stock has lost about 5% since 5/31/2026 because of the following key factors:
1. Wintrust Financial reported strong fiscal Q2 2026 earnings, exceeding analyst expectations in both diluted earnings per share (EPS) and revenue. The company announced a record net income of $233.7 million for the quarter ended June 30, 2026, marking its sixth consecutive record quarter. Diluted EPS reached $3.30, surpassing the consensus estimate of $3.15. Additionally, quarterly revenue grew 10.1% year-over-year to $738.64 million, exceeding analysts' expectations of $735.36 million.
2. The company demonstrated robust balance sheet growth and maintained a stable net interest margin during fiscal Q2 2026. Total loans increased by $1.6 billion, representing an annualized growth of 12%, to reach $55.655 billion. Concurrently, total deposits rose by $2.2 billion, an annualized increase of 15%, to $61.141 billion. The net interest margin (on a fully taxable-equivalent basis) remained stable at 3.52%, consistent with management's target range and its performance over the preceding ten quarters.
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Updated on 9/1/2026
Wintrust Financial (WTFC) stock has lost about 5% since 5/31/2026 because of the following key factors:
1. Wintrust Financial reported strong fiscal Q2 2026 earnings, exceeding analyst expectations in both diluted earnings per share (EPS) and revenue. The company announced a record net income of $233.7 million for the quarter ended June 30, 2026, marking its sixth consecutive record quarter. Diluted EPS reached $3.30, surpassing the consensus estimate of $3.15. Additionally, quarterly revenue grew 10.1% year-over-year to $738.64 million, exceeding analysts' expectations of $735.36 million.
2. The company demonstrated robust balance sheet growth and maintained a stable net interest margin during fiscal Q2 2026. Total loans increased by $1.6 billion, representing an annualized growth of 12%, to reach $55.655 billion. Concurrently, total deposits rose by $2.2 billion, an annualized increase of 15%, to $61.141 billion. The net interest margin (on a fully taxable-equivalent basis) remained stable at 3.52%, consistent with management's target range and its performance over the preceding ten quarters.
3. Despite positive fiscal Q2 2026 results, the stock experienced a post-earnings decline, indicative of profit-taking and investor focus on broader factors. Following the earnings release on July 21, 2026, Wintrust's shares fell approximately 2.71% to $159.18 from a prior close of $163.66. This reaction suggests that investors either engaged in profit-taking after the stock had reached a 52-week high of $166.90 on July 16, 2026, or focused on concerns such as competitive pressures and expense growth, overshadowing the strong quarterly performance.
4. Stable credit quality contributed to a balanced risk profile, preventing significant downside pressure. Wintrust maintained strong credit quality in fiscal Q2 2026, with non-performing loans decreasing to $179.3 million, representing 0.32% of total loans, down from $182.7 million (0.34%) in fiscal Q1 2026. The provision for credit losses remained consistent, staying within the $20 million-$30 million range for the sixth consecutive quarter, reflecting a stable overall credit environment.
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Wintrust Financial (WTFC) stock has lost about 5% since 5/31/2026 because of the following key factors:
1. Wintrust Financial reported strong fiscal Q2 2026 earnings, exceeding analyst expectations in both diluted earnings per share (EPS) and revenue. The company announced a record net income of $233.7 million for the quarter ended June 30, 2026, marking its sixth consecutive record quarter. Diluted EPS reached $3.30, surpassing the consensus estimate of $3.15. Additionally, quarterly revenue grew 10.1% year-over-year to $738.64 million, exceeding analysts' expectations of $735.36 million.
2. The company demonstrated robust balance sheet growth and maintained a stable net interest margin during fiscal Q2 2026. Total loans increased by $1.6 billion, representing an annualized growth of 12%, to reach $55.655 billion. Concurrently, total deposits rose by $2.2 billion, an annualized increase of 15%, to $61.141 billion. The net interest margin (on a fully taxable-equivalent basis) remained stable at 3.52%, consistent with management's target range and its performance over the preceding ten quarters.
3. Despite positive fiscal Q2 2026 results, the stock experienced a post-earnings decline, indicative of profit-taking and investor focus on broader factors. Following the earnings release on July 21, 2026, Wintrust's shares fell approximately 2.71% to $159.18 from a prior close of $163.66. This reaction suggests that investors either engaged in profit-taking after the stock had reached a 52-week high of $166.90 on July 16, 2026, or focused on concerns such as competitive pressures and expense growth, overshadowing the strong quarterly performance.
4. Stable credit quality contributed to a balanced risk profile, preventing significant downside pressure. Wintrust maintained strong credit quality in fiscal Q2 2026, with non-performing loans decreasing to $179.3 million, representing 0.32% of total loans, down from $182.7 million (0.34%) in fiscal Q1 2026. The provision for credit losses remained consistent, staying within the $20 million-$30 million range for the sixth consecutive quarter, reflecting a stable overall credit environment.
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Stock Movement Drivers
Fundamental Drivers
The -3.4% change in WTFC stock from 5/31/2026 to 9/22/2026 was primarily driven by a -7.2% change in the company's P/E Multiple.| (LTM values as of) | 5312026 | 9222026 | Change |
|---|---|---|---|
| Stock Price ($) | 149.72 | 144.70 | -3.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 2,796 | 2,864 | 2.4% |
| Net Income Margin (%) | 30.8% | 31.4% | 2.0% |
| P/E Multiple | 11.7 | 10.8 | -7.2% |
| Shares Outstanding (Mil) | 67 | 67 | -0.3% |
| Cumulative Contribution | -3.4% |
Market Drivers
5/31/2026 to 9/22/2026| Return | Correlation | |
|---|---|---|
| WTFC | -3.4% | |
| Market (SPY) | 2.5% | 18.9% |
| Sector (XLF) | 6.6% | 59.3% |
Fundamental Drivers
The 1.2% change in WTFC stock from 2/28/2026 to 9/22/2026 was primarily driven by a 5.1% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282026 | 9222026 | Change |
|---|---|---|---|
| Stock Price ($) | 143.03 | 144.70 | 1.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 2,726 | 2,864 | 5.1% |
| Net Income Margin (%) | 30.2% | 31.4% | 4.0% |
| P/E Multiple | 11.6 | 10.8 | -6.8% |
| Shares Outstanding (Mil) | 67 | 67 | -0.7% |
| Cumulative Contribution | 1.2% |
Market Drivers
2/28/2026 to 9/22/2026| Return | Correlation | |
|---|---|---|
| WTFC | 1.2% | |
| Market (SPY) | 13.3% | 40.2% |
| Sector (XLF) | 7.5% | 64.6% |
Fundamental Drivers
The 6.9% change in WTFC stock from 8/31/2025 to 9/22/2026 was primarily driven by a 11.5% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 8312025 | 9222026 | Change |
|---|---|---|---|
| Stock Price ($) | 135.31 | 144.70 | 6.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 2,568 | 2,864 | 11.5% |
| Net Income Margin (%) | 28.8% | 31.4% | 9.1% |
| P/E Multiple | 12.2 | 10.8 | -11.5% |
| Shares Outstanding (Mil) | 67 | 67 | -0.7% |
| Cumulative Contribution | 6.9% |
Market Drivers
8/31/2025 to 9/22/2026| Return | Correlation | |
|---|---|---|
| WTFC | 6.9% | |
| Market (SPY) | 21.2% | 40.6% |
| Sector (XLF) | 3.1% | 64.8% |
Fundamental Drivers
The 95.9% change in WTFC stock from 8/31/2023 to 9/22/2026 was primarily driven by a 49.3% change in the company's P/E Multiple.| (LTM values as of) | 8312023 | 9222026 | Change |
|---|---|---|---|
| Stock Price ($) | 73.88 | 144.70 | 95.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 2,180 | 2,864 | 31.4% |
| Net Income Margin (%) | 28.6% | 31.4% | 10.1% |
| P/E Multiple | 7.3 | 10.8 | 49.3% |
| Shares Outstanding (Mil) | 61 | 67 | -9.3% |
| Cumulative Contribution | 95.9% |
Market Drivers
8/31/2023 to 9/22/2026| Return | Correlation | |
|---|---|---|
| WTFC | 95.9% | |
| Market (SPY) | 78.3% | 57.7% |
| Sector (XLF) | 67.1% | 73.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| WTFC Return | 51% | -6% | 12% | 37% | 14% | 6% | 165% |
| Peers Return | 33% | -15% | 4% | 10% | 6% | 8% | 46% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 13% | 107% |
Monthly Win Rates [3] | |||||||
| WTFC Win Rate | 67% | 42% | 50% | 58% | 58% | 44% | |
| Peers Win Rate | 67% | 43% | 48% | 53% | 55% | 44% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 56% | |
Max Drawdowns [4] | |||||||
| WTFC Max Drawdown | -17% | -27% | -36% | -14% | -30% | -19% | |
| Peers Max Drawdown | -22% | -36% | -38% | -21% | -27% | -18% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: VLY, FNB, FFIN, EEFT, FITB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 9/22/2026 (YTD)
How Low Can It Go
| Event | WTFC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -27.2% | -18.8% |
| % Gain to Breakeven | 37.4% | 23.1% |
| Time to Breakeven | 85 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -12.4% | -9.5% |
| % Gain to Breakeven | 14.1% | 10.5% |
| Time to Breakeven | 42 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -34.6% | -6.7% |
| % Gain to Breakeven | 52.9% | 7.1% |
| Time to Breakeven | 216 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -17.1% | -24.5% |
| % Gain to Breakeven | 20.7% | 32.4% |
| Time to Breakeven | 124 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -62.3% | -33.7% |
| % Gain to Breakeven | 165.3% | 50.9% |
| Time to Breakeven | 294 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -28.0% | -19.2% |
| % Gain to Breakeven | 38.9% | 23.8% |
| Time to Breakeven | 814 days | 105 days |
In The Past
Wintrust Financial's stock fell -27.2% during the 2025 US Tariff Shock. Such a loss loss requires a 37.4% gain to breakeven.
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Asset Allocation
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| Event | WTFC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -27.2% | -18.8% |
| % Gain to Breakeven | 37.4% | 23.1% |
| Time to Breakeven | 85 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -34.6% | -6.7% |
| % Gain to Breakeven | 52.9% | 7.1% |
| Time to Breakeven | 216 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -62.3% | -33.7% |
| % Gain to Breakeven | 165.3% | 50.9% |
| Time to Breakeven | 294 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -28.0% | -19.2% |
| % Gain to Breakeven | 38.9% | 23.8% |
| Time to Breakeven | 814 days | 105 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -28.6% | -12.2% |
| % Gain to Breakeven | 40.1% | 13.9% |
| Time to Breakeven | 176 days | 62 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -27.9% | -17.9% |
| % Gain to Breakeven | 38.8% | 21.8% |
| Time to Breakeven | 162 days | 123 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -22.2% | -15.4% |
| % Gain to Breakeven | 28.5% | 18.2% |
| Time to Breakeven | 1067 days | 125 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -71.3% | -53.4% |
| % Gain to Breakeven | 248.5% | 114.4% |
| Time to Breakeven | 323 days | 1085 days |
In The Past
Wintrust Financial's stock fell -27.2% during the 2025 US Tariff Shock. Such a loss loss requires a 37.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Wintrust Financial (WTFC)
Wintrust Financial Corporation (WTFC) is a financial holding company offering a comprehensive suite of banking and financial services. It operates across three primary segments: Community Banking, Specialty Finance, and Wealth Management. The company primarily focuses its operations in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida, utilizing a network of banking facilities and ATMs to serve its client base.
The Community Banking segment provides traditional banking services, including various deposit products (checking, savings, time deposits), a wide array of loans (such as home equity, consumer, real estate, commercial mortgages, and small business loans), and digital banking solutions. This segment caters mainly to individuals, small to mid-sized businesses, local governmental units, and institutional clients. Additionally, Wintrust's Wealth Management segment delivers sophisticated financial services, encompassing trust and investment management, asset management, securities brokerage, and retirement plan services, for individuals and institutions looking to grow and manage their assets.
Complementing its traditional banking and wealth management offerings, the Specialty Finance segment provides niche financial solutions. These include commercial and life insurance premium financing for businesses and individuals, accounts receivable financing, and specialized administrative services like payroll and cash management tailored for the temporary staffing industry. This segment highlights Wintrust's capacity to serve specific industry needs and extend its financial expertise beyond conventional banking.
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Here are 1-3 brief analogies to describe Wintrust Financial (WTFC):
- Wintrust Financial is a diversified regional bank, similar in structure and services to a PNC Financial Services Group or US Bancorp, but operating on a smaller, more localized scale.
- Think of it as a regional version of KeyCorp or Fifth Third Bank, but with a particularly strong emphasis on niche lending, such as financing for insurance premiums or temporary staffing, alongside traditional banking and wealth management.
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Major Products & Services of Wintrust Financial (WTFC)
Community Banking Segment
- Deposit Accounts: Offers various checking, savings, and time deposit accounts for individuals, businesses, and governmental units.
- Lending Services: Provides a broad spectrum of loans including consumer, residential mortgage, commercial real estate, construction, and specialized business loans.
- Digital & Branch Banking: Delivers essential banking functionalities through ATMs, online and mobile platforms, and physical branches, alongside safe deposit facilities.
- Treasury Management: Offers cash management and financial solutions to businesses and community associations.
Specialty Finance Segment
- Insurance Premium Financing: Provides financing for commercial and life insurance premiums for businesses and individuals.
- Accounts Receivable Financing: Offers financing and outsourced administrative services based on accounts receivable for businesses.
- Staffing Industry Solutions: Specializes in data processing, payroll, billing, and cash management for the temporary staffing industry.
Wealth Management Segment
- Investment & Trust Services: Provides comprehensive trust administration, investment management, and asset management services.
- Securities Brokerage: Facilitates securities transactions for clients.
- Retirement Planning: Offers services for managing and administering various retirement plans.
- Tax-Deferred Exchange Services: Assists clients with tax-deferred exchanges for investments and real estate.
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Wintrust Financial (WTFC) serves a diverse customer base, primarily categorized as follows:
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Individuals: This category includes retail customers who utilize personal banking services such as non-interest bearing and interest-bearing transaction accounts, savings, domestic time deposits, home equity and consumer loans, residential mortgages, and wealth management services like trust and investment management, securities brokerage, and retirement planning.
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Small to Mid-sized Businesses: WTFC provides a wide array of services to commercial clients, including commercial banking, asset-based lending, small business administration (SBA) loans, commercial mortgages, construction loans, and treasury management services. Specific types of businesses served include restaurant franchisees, mortgage brokerage companies, and the temporary staffing industry (for payroll, billing, and cash management services). They also offer commercial and life insurance premiums financing.
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Community Associations, Local Governmental Units, and Institutional Clients: This segment receives specialized lending, deposits, and treasury management services, particularly for condominium, homeowner, and community associations. Local governmental units and broader institutional clients are also served with banking and wealth management solutions.
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Timothy S. Crane, President and Chief Executive Officer
Timothy S. Crane was appointed CEO in February 2020, with the appointment becoming effective on May 1, 2023. He joined Wintrust in August 2008 and has held various executive management roles within the company, including President since February 2020, and previously Executive Vice President, Senior Market Head, and Treasurer. Prior to joining Wintrust, Mr. Crane worked in the banking industry for over 24 years, most recently serving as President of Harris Bankcorp in Chicago.
David L. Stoehr, Executive Vice President and Chief Financial Officer
David L. Stoehr serves as Executive Vice President and Chief Financial Officer for Wintrust Financial Corporation. He has been with Wintrust Financial Corporation for an extended period, holding this key financial leadership position.
Edward J. Wehmer, Founder and Senior Advisor
Edward J. Wehmer is a founder of Wintrust Financial Corporation. He has served as Founder, Senior Advisor, and Chairman Emeritus since May 2023. Prior to this, he served as Founder and Chief Executive Officer from February 2020 to April 2023, and as President and Chief Executive Officer from May 1998 to February 2020. Mr. Wehmer also served as President and Chief Operating Officer of the Company since its formation in 1996 and was President of Lake Forest Bank from 1991 to 1998.
David A. Dykstra, Vice Chairman and Chief Operating Officer
David A. Dykstra serves as Vice Chairman and Chief Operating Officer of Wintrust Financial Corporation. He has been an integral part of the company's executive team.
Richard B. Murphy, Vice Chairman and Chief Lending Officer
Richard B. Murphy holds the position of Vice Chairman and Chief Lending Officer at Wintrust Financial Corporation. He also previously served as Chief Credit Officer and Executive President at Wintrust Financial Corporation.
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Key Risks to Wintrust Financial (WTFC)
Wintrust Financial Corporation faces several key risks that could impact its business operations and financial performance.- Net Interest Margin (NIM) Compression and Interest Rate Risk: A primary near-term market risk for Wintrust Financial is the compression of its net interest margin (NIM). Analysts anticipate a slight decline in the coming years, indicating a tightening core lending margin. Changes in interest rates can adversely affect net interest income, which forms the core of a regional bank's revenue. While management aims to maintain a stable NIM, persistent margin pressures are a continuous concern for financial institutions.
- Commercial Real Estate (CRE) Exposure and Credit Quality Deterioration: Commercial real estate (CRE) remains a potential source of earnings volatility for Wintrust Financial. Although the company has managed its exposure to office properties, with it representing a relatively low percentage of total loans, CRE remains under close scrutiny in the broader market. Furthermore, general deterioration in asset quality and an uptick in net charge-offs, as observed in Q3 2025, are near-term risks that demand attention, impacting the bank's overall credit quality. The premium finance business within its Specialty Finance segment also carries higher risks of delinquency and fraud.
- Competition and Deposit Stability: Wintrust Financial experiences intense competition for deposits, which can lead to concerns regarding the stability of its deposit bases. This competition can result in deposit outflows to higher-yielding alternatives and potentially increase funding costs, negatively impacting the company's financial health. While Fitch anticipates the cost spread of deposits relative to peers may narrow, it currently remains above the peer median.
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- Digital-first banks and online lending platforms: These entities offer core banking services (deposits, loans, including consumer, small business, and commercial lending) and specialized financial services through purely digital channels. Operating with minimal or no physical branch networks, they can offer greater convenience, streamlined processes, and potentially more competitive pricing due to significantly lower overhead compared to Wintrust's extensive physical footprint of 173 banking facilities and 228 ATMs. This directly threatens Wintrust's Community Banking and portions of its Specialty Finance segments by attracting customers who prioritize digital experiences and cost efficiency.
- Robo-advisors and automated investment platforms: These digital solutions directly challenge Wintrust's Wealth Management segment by providing low-cost, algorithm-driven investment management, portfolio construction, and financial planning services. They appeal to a growing demographic of investors, particularly those seeking cost-effective solutions and comfortable with self-service digital tools, thereby posing a competitive threat to Wintrust's traditional trust, investment, asset management, and securities brokerage offerings.
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Wintrust Financial Corporation (WTFC) operates in three main segments: Community Banking, Specialty Finance, and Wealth Management. The addressable markets for their main products and services vary by product and region, with some data available at the U.S. level and some for specific regions of Wintrust's operations.
Community Banking Segment
- Deposits:
- In the Chicago Metropolitan Statistical Area (MSA), the total deposits were approximately $219.43 billion as of June 30, 2013. Wintrust Financial Corp. held a 6.21% market share in this region at that time.
- For Wisconsin, state-chartered banks reported total assets of $72.8 billion as of September 30, 2025.
- In Florida, total deposits reached $831 billion in 2024.
- The broader United States retail banking market, which includes various deposit accounts, was valued at approximately $870 billion in 2025 and is projected to grow to about $1.11 trillion by 2031.
- Residential Mortgages: The U.S. home mortgage market was valued at around $180.91 billion in 2023 and is projected to grow to approximately $501.67 billion by 2032. Another estimate places the U.S. home loan market at $2.42 trillion in 2026, expected to reach $3.17 trillion by 2031.
- Consumer Loans: The U.S. retail banking market, which encompasses consumer loans, had a valuation of $870 billion in 2025.
- Commercial Mortgages and Construction Loans (part of Commercial Lending): The U.S. commercial banking market size is estimated at $765.53 billion in 2026 and is forecast to reach $954.48 billion by 2031. Specifically for commercial lending, the global market was valued at $14.15 trillion in 2023 and is expected to reach $30.09 trillion by 2028. The U.S. commercial banking market was valued at $231.9 billion in 2024 and is expected to reach $351.8 billion by 2033. In Illinois, the commercial banking industry's market size grew at an average annual rate of 7.0% from 2020 to 2025.
- Small Business Administration (SBA) Loans and other Small Business Lending: The U.S. small business loan market was valued at $245.39 billion in 2023 and is projected to reach $349.64 billion by 2033.
Specialty Finance Segment
- Commercial and Life Insurance Premiums Financing: The U.S. Premium Finance market was valued at approximately $17.81 billion in 2023 and is projected to reach about $37.52 billion by 2032. The U.S. market for premium finance was worth over $11 billion in 2024, with North America dominating the global premium finance market. The commercial premium segment holds the largest share in the global premium finance market.
- Accounts Receivable Financing: The U.S. is a significant market for accounts receivable financing, with an estimated volume of $120 billion in receivables financed annually. Globally, the accounts receivable financing market was valued at approximately $150 billion in 2025 and is projected to reach an estimated $275 billion by 2033. North America was the largest region in the accounts receivable financing market in 2025.
- Data Processing of Payrolls, Billing, and Cash Management Services to Temporary Staffing Industry: null
Wealth Management Segment
- Trust and Investment, Asset Management, Securities Brokerage, and Retirement Plan Services: The United States Assets Under Management (AUM) market is valued at approximately $140 trillion, based on a five-year historical analysis. Another source indicates the U.S. Asset Management Market was valued at $52.08 trillion in 2024 and is expected to reach $134.67 trillion by 2030. The overall wealth management industry in the U.S. represents $62 trillion in AUM and is expected to grow to $85 trillion in AUM by 2028. The U.S. asset management market generated revenue of approximately $115.63 billion in 2023, with projections to reach about $849.25 billion by 2030.
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Wintrust Financial Corporation (WTFC) anticipates several key drivers for its revenue growth over the next two to three years:
* Mid-to-High Single-Digit Loan Growth: Wintrust expects to achieve mid-to-high single-digit loan growth, driven by expansion across its diverse loan portfolio. This includes strong pipelines in commercial and industrial (C&I) and commercial real estate (CRE) markets, as well as continued momentum in specialized lending verticals such as mortgage warehouse, direct leasing, and premium finance (both property and casualty, and life insurance).
* Similar Levels of Deposit Growth: To fund its loan expansion and maintain a stable net interest margin, Wintrust aims for deposit growth to be at similar levels to its loan growth. The company emphasizes gaining deposit market share in its core Midwestern markets.
* Organic Growth and Market Share Expansion in Core Markets: Wintrust is focused on growing its market share organically within its established geographic footprint, which includes the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and West Michigan. This strategy emphasizes relationship-based banking and capitalizing on local growth opportunities.
* Growth in Fee-Based Revenue: The company expects improved non-interest income, particularly from its wealth management and other service-based fee income businesses. Wintrust's specialty finance segments, such as premium finance, are also significant contributors to fee-based revenue.
* Strategic Acquisitions: While prioritizing organic expansion, Wintrust remains open to strategic acquisitions that align with its cultural fit and concentric growth strategy within its existing Midwest markets, targeting opportunities generally in the $2 billion to $10 billion asset range.
AI Analysis | Feedback
Wintrust Financial (WTFC) has made the following capital allocation decisions over the last 3-5 years:
Share Repurchases
- Wintrust Financial's Board of Directors authorized a share repurchase program of up to $200 million, which was incremental to approximately $23 million remaining under a previous program, totaling over $223 million authorized.
- As of September 30, 2024, the company had not repurchased any common shares during the preceding nine-month period, indicating a strategic pause in buybacks.
- In January 2026, Wintrust noted it still had "a little over $200 million of an authorized buyback plan" but was prioritizing organic growth and acquisitions over share repurchases.
Share Issuance
- On May 22, 2025, Wintrust Financial completed a public offering of 17 million depositary shares (Series F Preferred Stock) with a liquidation preference of $25.00 per share, generating gross proceeds of $425 million.
- The net proceeds from this Series F Preferred Stock offering were intended for general corporate purposes, including the redemption of outstanding Series D and Series E preferred stock.
- Wintrust Financial redeemed all outstanding shares of its Series D and Series E preferred stock on July 15, 2025, utilizing proceeds from the Series F offering. This redemption included 5 million shares of Series D Preferred Stock at $25.00 per share and 11.5 million depositary shares representing Series E Preferred Stock at $25.00 per depositary share.
Outbound Investments
- Wintrust Financial entered into an all-stock merger agreement on April 15, 2024, to acquire Macatawa Bank Corporation (MCBC) for approximately $510.3 million.
- The acquisition of Macatawa Bank Corporation, which had $2.7 billion in assets as of June 30, 2024, was completed on August 2, 2024.
- In November 2022, Wintrust's subsidiary, Great Lakes Advisors, LLC, agreed to acquire Rothschild & Co Asset Management US Inc. and Rothschild & Co Risk Based Investments LLC, which collectively managed approximately $8 billion in assets, to expand Wintrust's Investment Management business.
Capital Expenditures
- Wintrust Financial's capital expenditures have primarily focused on investing in tools, technology, and personnel to support current banking operations and future growth.
Peer Outperformance in Regional Banks
WTFC has outperformed 78% of its 265 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that WTFC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
19%
of 290 industry peers · 10.1% return
3Y
59%
of 279 industry peers · 100.7% return
5Y
78%
of 265 industry peers · 102.6% return
No Regional Banks peer with a comparable growth profile has beaten WTFC by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is WTFC's own industry. Use this to see which corners of the sector have carried the returns.
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 7 | 25.1% | 63.7% | 118.0% | SPNT 171% · RGA 146% · RNR 139% |
| Diversified Banks | 13 | 30.7% | 131.4% | 112.5% | CM 152% · RY 141% · JPM 139% |
| Investment Banking & Brokerage | 13 | -1.5% | 107.8% | 109.6% | IBKR 507% · SNEX 256% · GS 174% |
| Life & Health Insurance | 20 | 7.5% | 51.6% | 98.0% | JXN 517% · UNM 350% · FG 195% |
| Multi-Sector Holdings | 4 | 4.9% | 46.9% | 78.8% | JONE 362% · BRK-B 81% · VOYA 77% |
| Property & Casualty Insurance | 42 | 8.4% | 64.8% | 65.7% | ASIC 2701900% · HRTG 395% · UVE 312% |
| Regional Banks ← | 266 | 24.8% | 91.2% | 61.2% | ESQ 365% · BLX 356% · GCBC 312% |
| Multi-line Insurance | 9 | 7.0% | 69.5% | 58.1% | GNW 176% · L 103% · SLF 98% |
| Financial Exchanges & Data | 15 | -3.1% | 16.7% | 28.8% | VIRT 173% · CBOE 130% · CME 70% |
| Diversified Financial Services | 4 | -7.4% | 22.5% | 24.8% | FRHC 165% · EQH 103% · TMS -53% |
| Consumer Finance | 30 | -1.3% | 89.1% | 21.8% | ENVA 409% · EZPW 306% · FCFS 166% |
| Insurance Brokers | 16 | -18.3% | -10.1% | 14.3% | LIFE 190% · ARX 88% · CRD-A 63% |
| Commercial & Residential Mortgage Finance | 15 | -44.3% | 26.6% | 12.7% | FNMA 445% · FMCC 407% · ACT 174% |
| Asset Management & Custody Banks | 87 | -11.0% | 14.3% | 7.5% | WT 330% · SII 291% · VCTR 263% |
| Specialized Finance | 3 | 13.3% | 43.6% | -3.2% | EFC 27% · CACC -3% · HASI -17% |
| Mortgage REITs | 33 | -10.2% | 8.5% | -21.2% | NREF 59% · RITM 43% · DX 34% |
| Diversified Capital Markets | 25 | -32.4% | 9.5% | -47.0% | OPY 180% · LPLA 105% · CD 82% |
| Transaction & Payment Processing Services | 17 | -1.2% | -8.2% | -47.9% | V 65% · MA 62% · CPAY 49% |
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 42.53 |
| Mkt Cap | 6.8 |
| Rev LTM | 2,509 |
| Op Inc LTM | 505 |
| FCF LTM | 598 |
| FCF 3Y Avg | 480 |
| CFO LTM | 639 |
| CFO 3Y Avg | 591 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 12.2% |
| Rev Chg 3Y Avg | 7.4% |
| Rev Chg Q | 10.4% |
| QoQ Delta Rev Chg LTM | 2.5% |
| Op Inc Chg LTM | -6.2% |
| Op Inc Chg 3Y Avg | 7.2% |
| Op Mgn LTM | 11.6% |
| Op Mgn 3Y Avg | 12.2% |
| QoQ Delta Op Mgn LTM | -0.6% |
| CFO/Rev LTM | 36.7% |
| CFO/Rev 3Y Avg | 37.7% |
| FCF/Rev LTM | 30.8% |
| FCF/Rev 3Y Avg | 33.4% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Community Banking | 2,072 | 1,816 | 1,704 | 1,479 | 1,291 |
| Specialty Finance | 509 | 476 | 435 | 344 | 294 |
| Wealth Management | 192 | 198 | 466 | 163 | 161 |
| Intersegment Eliminations | -47 | -39 | -36 | -30 | -35 |
| Total | 2,726 | 2,451 | 2,568 | 1,956 | 1,711 |
| $ Mil | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|
| Community banking | 162 | 159 | 144 | 209 | 135 |
| Specialty Finance | 68 | 68 | 64 | 92 | 86 |
| Wealth Management | 21 | 20 | 17 | 11 | 12 |
| Parent and inter-segment eliminations | 0 | 0 | 0 | -131 | -105 |
| Total | 252 | 246 | 224 | 180 | 128 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Community Banking | 577 | 459 | 414 | 349 | 319 |
| Specialty Finance | 205 | 186 | 176 | 121 | 109 |
| Wealth Management | 42 | 50 | 33 | 39 | 38 |
| Intersegment Eliminations | 0 | 0 | 0 | 0 | 0 |
| Total | 824 | 695 | 623 | 510 | 466 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Community Banking | 57,334 | 52,501 | 44,356 | 41,368 | 40,254 |
| Specialty Finance | 12,502 | 11,234 | 10,665 | 9,826 | 8,383 |
| Wealth Management | 1,306 | 1,145 | 1,239 | 1,755 | 1,506 |
| Intersegment Eliminations | 0 | 0 | 0 | 0 | 0 |
| Total | 71,142 | 64,880 | 56,260 | 52,950 | 50,142 |
Price Behavior
Price Behavior
| Market Price | $144.70 | |
| Market Cap ($ Bil) | 9.8 | |
| First Trading Date | 04/16/1998 | |
| Distance from 52W High | -13.0% | |
| 50 Days | 200 Days | |
| DMA Price | $156.00 | $148.91 |
| DMA Trend | up | down |
| Distance from DMA | -7.2% | -2.8% |
| 3M | 1YR | |
| Volatility | 18.5% | 25.0% |
| Downside Capture | 98.62 | 77.39 |
| Upside Capture | 33.17 | 74.37 |
| Correlation (SPY) | 22.9% | 41.4% |
WTFC Betas & Captures as of 8/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.61 | 0.48 | 0.21 | 0.61 | 0.80 | 1.10 |
| Up Beta | 0.94 | 0.40 | -0.14 | 0.73 | 1.02 | 1.14 |
| Down Beta | 0.95 | 0.39 | 0.27 | 0.66 | 0.85 | 1.19 |
| Up Capture | -11% | 17% | 29% | 48% | 58% | 115% |
| Bmk +ve Days | 10 | 21 | 32 | 68 | 138 | 427 |
| Stock +ve Days | 8 | 17 | 31 | 63 | 123 | 375 |
| Down Capture | 130% | 99% | 34% | 62% | 77% | 100% |
| Bmk -ve Days | 11 | 21 | 32 | 59 | 113 | 324 |
| Stock -ve Days | 13 | 25 | 33 | 63 | 127 | 373 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WTFC | |
|---|---|---|---|---|
| WTFC | 8.7% | 25.0% | 0.29 | - |
| Sector ETF (XLF) | 2.6% | 14.7% | -0.05 | 66.1% |
| Equity (SPY) | 17.6% | 13.0% | 0.98 | 41.3% |
| Gold (GLD) | 18.0% | 29.3% | 0.56 | 4.9% |
| Commodities (DBC) | 46.6% | 20.7% | 1.75 | -20.9% |
| Real Estate (VNQ) | 5.2% | 13.6% | 0.12 | 39.9% |
| Bitcoin (BTCUSD) | -26.0% | 44.9% | -0.54 | 13.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WTFC | |
|---|---|---|---|---|
| WTFC | 16.5% | 31.3% | 0.52 | - |
| Sector ETF (XLF) | 9.8% | 18.4% | 0.39 | 75.6% |
| Equity (SPY) | 13.3% | 17.2% | 0.59 | 58.8% |
| Gold (GLD) | 18.9% | 18.8% | 0.81 | -1.9% |
| Commodities (DBC) | 10.8% | 19.6% | 0.43 | 10.0% |
| Real Estate (VNQ) | 1.0% | 18.9% | -0.05 | 49.2% |
| Bitcoin (BTCUSD) | 12.7% | 52.6% | 0.42 | 23.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WTFC | |
|---|---|---|---|---|
| WTFC | 11.7% | 37.2% | 0.41 | - |
| Sector ETF (XLF) | 12.8% | 22.1% | 0.53 | 78.6% |
| Equity (SPY) | 15.4% | 17.9% | 0.73 | 58.7% |
| Gold (GLD) | 12.2% | 16.4% | 0.61 | -6.6% |
| Commodities (DBC) | 8.3% | 18.1% | 0.37 | 21.6% |
| Real Estate (VNQ) | 4.7% | 20.7% | 0.19 | 51.7% |
| Bitcoin (BTCUSD) | 64.0% | 66.2% | 1.04 | 17.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 8/20/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/20/2026 | -2.9% | -2.9% | -2.6% |
| 4/20/2026 | 1.0% | 0.3% | -1.3% |
| 1/20/2026 | 4.7% | 0.5% | 6.4% |
| 10/20/2025 | 2.3% | 3.8% | -0.7% |
| 7/21/2025 | 3.0% | 0.5% | -2.2% |
| 4/21/2025 | 5.2% | 10.6% | 20.8% |
| 1/21/2025 | -2.7% | -3.5% | -5.6% |
| 10/21/2024 | 2.2% | 3.4% | 17.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 18 | 14 | 14 |
| # Negative | 6 | 10 | 10 |
| Median Positive | 2.2% | 3.6% | 9.0% |
| Median Negative | -2.8% | -3.9% | -4.6% |
| Max Positive | 8.5% | 10.6% | 20.8% |
| Max Negative | -5.0% | -8.7% | -10.5% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/20/2026 | -2.9% | -2.9% | -2.6% |
| 4/20/2026 | 1.0% | 0.3% | -1.3% |
| 1/20/2026 | 4.7% | 0.5% | 6.4% |
| 10/20/2025 | 2.3% | 3.8% | -0.7% |
| 7/21/2025 | 3.0% | 0.5% | -2.2% |
| 4/21/2025 | 5.2% | 10.6% | 20.8% |
| 1/21/2025 | -2.7% | -3.5% | -5.6% |
| 10/21/2024 | 2.2% | 3.4% | 17.2% |
| 7/17/2024 | -5.0% | -4.3% | -9.6% |
| 4/17/2024 | 0.4% | 5.4% | 8.1% |
| 1/17/2024 | 2.7% | 6.2% | 5.1% |
| 10/17/2023 | 0.2% | -3.1% | 10.8% |
| 7/20/2023 | -1.2% | -0.2% | -7.7% |
| 4/19/2023 | -4.1% | -8.7% | -9.4% |
| 1/18/2023 | 2.4% | 7.4% | 11.7% |
| 10/18/2022 | 0.3% | 1.1% | -3.6% |
| 7/20/2022 | 0.1% | 1.1% | 5.7% |
| 4/19/2022 | 3.6% | -4.5% | -10.5% |
| 1/19/2022 | 0.1% | -1.7% | 0.7% |
| 10/19/2021 | 8.5% | 7.8% | 10.1% |
| 7/19/2021 | 2.1% | 1.2% | 4.9% |
| 4/20/2021 | 2.9% | 7.0% | 5.1% |
| 1/21/2021 | 1.0% | -4.5% | 9.9% |
| 10/22/2020 | -0.1% | -8.2% | 9.9% |
| SUMMARY STATS | |||
| # Positive | 18 | 14 | 14 |
| # Negative | 6 | 10 | 10 |
| Median Positive | 2.2% | 3.6% | 9.0% |
| Median Negative | -2.8% | -3.9% | -4.6% |
| Max Positive | 8.5% | 10.6% | 20.8% |
| Max Negative | -5.0% | -8.7% | -10.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/05/2026 | 10-Q |
| 03/31/2026 | 05/06/2026 | 10-Q |
| 12/31/2025 | 02/26/2026 | 10-K |
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/06/2025 | 10-Q |
| 03/31/2025 | 05/05/2025 | 10-Q |
| 12/31/2024 | 02/28/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 02/28/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 02/28/2023 | 10-K |
| 09/30/2022 | 11/08/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/05/2026 | 10-Q |
| 03/31/2026 | 05/06/2026 | 10-Q |
| 12/31/2025 | 02/26/2026 | 10-K |
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/06/2025 | 10-Q |
| 03/31/2025 | 05/05/2025 | 10-Q |
| 12/31/2024 | 02/28/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 02/28/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 02/28/2023 | 10-K |
| 09/30/2022 | 11/08/2022 | 10-Q |
| 06/30/2022 | 08/08/2022 | 10-Q |
| 03/31/2022 | 05/06/2022 | 10-Q |
| 12/31/2021 | 02/25/2022 | 10-K |
| 09/30/2021 | 11/08/2021 | 10-Q |
| 06/30/2021 | 08/06/2021 | 10-Q |
| 03/31/2021 | 05/07/2021 | 10-Q |
| 12/31/2020 | 02/26/2021 | 10-K |
| 09/30/2020 | 11/06/2020 | 10-Q |
| 06/30/2020 | 08/10/2020 | 10-Q |
| 03/31/2020 | 05/05/2020 | 10-Q |
| 12/31/2019 | 02/28/2020 | 10-K |
| 09/30/2019 | 11/08/2019 | 10-Q |
Insider Activity
Updated 8/21/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Dykstra, David A | VICE CHAIRMAN AND COO | Direct | Sell | 8132026 | 162.77 | 13,515 | 2,199,837 | 27,092,904 | Form |
| 2 | McKinney, Suzet M | Direct | Sell | 5062026 | 148.96 | 500 | 74,480 | 492,015 | Form | |
| 3 | Dykstra, David A | VICE CHAIRMAN AND COO | Direct | Sell | 4282026 | 148.82 | 9,579 | 1,425,547 | 26,759,324 | Form |
| 4 | Stoehr, David L | CHIEF FINANCIAL OFFICER | Direct | Sell | 4242026 | 150.45 | 3,020 | 454,359 | 1,987,896 | Form |
| 5 | Hahnfeld, Jeffrey D | EVP-CONTROLLER & CHIEF ACC OFF | Direct | Sell | 3062026 | 145.65 | 530 | 77,194 | 174,052 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Dykstra, David A | VICE CHAIRMAN AND COO | Direct | Sell | 8132026 | 162.77 | 13,515 | 2,199,837 | 27,092,904 | Form |
| 2 | McKinney, Suzet M | Direct | Sell | 5062026 | 148.96 | 500 | 74,480 | 492,015 | Form | |
| 3 | Dykstra, David A | VICE CHAIRMAN AND COO | Direct | Sell | 4282026 | 148.82 | 9,579 | 1,425,547 | 26,759,324 | Form |
| 4 | Stoehr, David L | CHIEF FINANCIAL OFFICER | Direct | Sell | 4242026 | 150.45 | 3,020 | 454,359 | 1,987,896 | Form |
| 5 | Hahnfeld, Jeffrey D | EVP-CONTROLLER & CHIEF ACC OFF | Direct | Sell | 3062026 | 145.65 | 530 | 77,194 | 174,052 | Form |
| 6 | Murphy, Richard B | VICE CHAIR,CHIEF LENDING OFC | Direct | Sell | 3042026 | 147.12 | 3,979 | 585,390 | 5,723,556 | Form |
| 7 | Boege, Kathleen M | EVP, CHIEF LEGAL OFC, AND SEC | Direct | Sell | 2232026 | 159.61 | 5,000 | 798,050 | 2,854,306 | Form |
| 8 | Lee, David Eric | VICE CHAIR, WINTRUST FINANCIAL | Direct | Sell | 2032026 | 147.42 | 558 | 82,260 | 2,371,251 | Form |
| 9 | Boege, Kathleen M | EVP, CHIEF LEGAL OFC, AND SEC | Direct | Sell | 1302026 | 146.38 | 5,000 | 731,909 | 3,349,653 | Form |
| 10 | Murphy, Richard B | VICE CHAIR,CHIEF LENDING OFC | Direct | Sell | 1302026 | 146.05 | 3,291 | 480,651 | 6,725,456 | Form |
| 11 | Stoehr, David L | CHIEF FINANCIAL OFFICER | Direct | Sell | 1292026 | 146.16 | 2,499 | 365,254 | 2,724,130 | Form |
| 12 | Hahnfeld, Jeffrey D | EVP-CONTROLLER & CHIEF ACC OFF | Direct | Sell | 1292026 | 145.43 | 314 | 45,665 | 283,152 | Form |
| 13 | Murphy, Richard B | VICE CHAIR,CHIEF LENDING OFC | by 401(k) Plan | Sell | 8042025 | 127.98 | 3,746 | Form |
Investor Activity (13F)
Updated Sep 23, 202613F holdings as of Mar 31, 2026 (Q1 2026)
Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.
| Active Manager |
|---|
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