Since January 2025, Wintrust Financial has been in a holding pattern, posting a small return of 4.5% while floating around $130.24.

Is now the time to buy WTFC? Find out in our full research report, it’s free.

Why Do Investors Watch WTFC Stock?

Founded in 1991 as a community-focused alternative to big banks in the Chicago area, Wintrust Financial (NASDAQGS:WTFC) operates community banks in the Chicago area and provides specialty finance services including insurance premium financing and wealth management.

Three Things to Like:

1. Net Interest Income Skyrockets, Fueling Growth Opportunities

Net interest income commands greater market attention due to its reliability and consistency, whereas non-interest income is often seen as lower-quality revenue that lacks the same dependable characteristics.

Wintrust Financial’s net interest income has grown at a 18.1% annualized rate over the last four years, much better than the broader bank industry. Its growth was driven by both an increase in its outstanding loans and net interest margin, which represents how much a bank earns in relation to its outstanding loan book.

2. Outstanding Long-Term EPS Growth

Analyzing the long-term change in earnings per share (EPS) shows whether a company's incremental sales were profitable – for example, revenue could be inflated through excessive spending on advertising and promotions.

Wintrust Financial’s astounding 11.5% annual EPS growth over the last five years aligns with its revenue performance. This tells us its incremental sales were profitable.

3. TBVPS Growth Demonstrates Strong Asset Foundation

In the banking industry, tangible book value per share (TBVPS) provides the clearest picture of shareholder value, as it focuses on concrete assets while excluding intangible items that may not hold value during challenging times.

Wintrust Financial’s TBVPS increased by 9.5% annually over the last five years, and growth has recently accelerated as TBVPS grew at a decent 10.8% annual clip over the past two years (from $64.22 to $78.83 per share).

Final Judgment

There are definitely things to like about Wintrust Financial, but at $130.24 per share (or 1.3× forward P/B), is now the right time to buy the stock? See for yourself in our full research report, it’s free.

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