📊 WTFCN Key Takeaways
Is Wintrust Financial Corp. (WTFCN) a Good Investment?
Wintrust demonstrates resilient earnings growth (+16.1% net income YoY, +10.6% EPS YoY) and strong cash generation ($860.4M FCF), supported by conservative leverage (0.11x debt/equity). However, critical financial distress signals including interest coverage of only 0.7x—indicating inability to cover interest from operating income—combined with an unexplained 92.9% revenue collapse and unrealistic profitability margins, necessitate immediate investigation before investment.
Why Buy Wintrust Financial Corp. Stock? WTFCN Key Strengths
- Strong free cash flow generation of $860.4M with positive operating cash flow of $910.3M
- Growing profitability with net income up 16.1% YoY and diluted EPS up 10.6% YoY
- Conservative capital structure with debt-to-equity ratio of only 0.11x and manageable long-term debt of $764.3M
WTFCN Stock Risks: Wintrust Financial Corp. Investment Risks
- Critical interest coverage ratio of 0.7x indicates company cannot cover interest obligations from operating income—major financial distress signal requiring immediate clarification
- Revenue collapsed 92.9% year-over-year, suggesting either severe business deterioration, significant accounting changes, or data quality errors
- Reported operating margin (421%) and net margin (310%) are mathematically unrealistic and indicate potential data anomalies or accounting irregularities
Key Metrics to Watch
- Interest coverage ratio—must improve above 2.5x minimum threshold to indicate financial stability
- Revenue stabilization and quarterly trend—investigate causes of 92.9% YoY decline
- Operating margin normalization and validation of reported profitability metrics
Wintrust Financial Corp. (WTFCN) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 323.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
WTFCN Profit Margin, ROE & Profitability Analysis
WTFCN vs Finance Sector: How Wintrust Financial Corp. Compares
How Wintrust Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Wintrust Financial Corp. Stock Overvalued? WTFCN Valuation Analysis 2026
Based on fundamental analysis, Wintrust Financial Corp. appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Wintrust Financial Corp. Balance Sheet: WTFCN Debt, Cash & Liquidity
WTFCN Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Wintrust Financial Corp.'s revenue has grown significantly by 28% over the 5-year period, indicating strong business expansion. The most recent EPS of $9.58 reflects profitable operations.
WTFCN Revenue Growth, EPS Growth & YoY Performance
WTFCN Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2024 | $574.8M | $164.2M | $2.47 |
| Q2 2024 | $560.6M | $152.4M | $2.32 |
| Q1 2024 | $565.8M | $180.2M | $2.80 |
| Q3 2023 | $502.9M | $143.0M | $2.21 |
| Q2 2023 | $440.7M | $94.5M | $1.49 |
| Q1 2023 | $462.1M | $127.4M | $2.07 |
| Q3 2022 | $53.2M | $109.1M | $1.77 |
| Q2 2022 | $50.7M | $94.5M | $1.49 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Wintrust Financial Corp. Dividends, Buybacks & Capital Allocation
WTFCN SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Wintrust Financial Corp. (CIK: 0001015328)
📋 Recent SEC Filings
❓ Frequently Asked Questions about WTFCN
What is the AI rating for WTFCN?
Wintrust Financial Corp. (WTFCN) has an AI rating of HOLD with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are WTFCN's key strengths?
Claude: Strong free cash flow generation of $860.4M with positive operating cash flow of $910.3M. Growing profitability with net income up 16.1% YoY and diluted EPS up 10.6% YoY.
What are the risks of investing in WTFCN?
Claude: Critical interest coverage ratio of 0.7x indicates company cannot cover interest obligations from operating income—major financial distress signal requiring immediate clarification. Revenue collapsed 92.9% year-over-year, suggesting either severe business deterioration, significant accounting changes, or data quality errors.
What is WTFCN's revenue and growth?
Wintrust Financial Corp. reported revenue of $265.6M.
Does WTFCN pay dividends?
Wintrust Financial Corp. pays dividends, with $169.4M distributed to shareholders in the trailing twelve months.
Where can I find WTFCN SEC filings?
Official SEC filings for Wintrust Financial Corp. (CIK: 0001015328) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is WTFCN's EPS?
Wintrust Financial Corp. has a diluted EPS of $11.40.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is WTFCN a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Wintrust Financial Corp. has a HOLD rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is WTFCN stock overvalued or undervalued?
Valuation metrics for WTFCN: ROE of 11.3% (sector avg: 12%), net margin of 310.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy WTFCN stock in 2026?
Our dual AI analysis gives Wintrust Financial Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is WTFCN's free cash flow?
Wintrust Financial Corp.'s operating cash flow is $910.3M, with capital expenditures of $50.0M. FCF margin is 323.9%.
How does WTFCN compare to other Finance stocks?
Vs Finance sector averages: Net margin 310.1% (avg: 25%), ROE 11.3% (avg: 12%), current ratio N/A (avg: 1.2).