Wintrust Financial (WTFC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$156.12+0.48%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · WTFC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 1.3% |
| Our one-year growth estimate | diamond | -14.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 15.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
WTFC — credit agreement
Dated 2025-12-08
Entry into a Material Definitive Agreement. On December 4, 2025, Wintrust Financial Corporation ("Wintrust") entered into the Fourth Amendment to Amended and Restated Credit Agreement dated December 4, 2025 (the "Fourth Amendment"), among Wintrust, the lenders named therein, and U.S. Bank National Association, as administrative agent. Capitalized terms used but not defined herein shall have the respective meanings ascribed to them by the Amended and Restated Credit Agreement dated December 12…
Why it matters: Loan and deposit growth has supported Wintrust's record results. Another strong quarter would back its growth plan.
Supportive ifQ4 loans and deposits both grow from Q3 levels, with loans rising at least 6% annualized.
Worry ifQ4 loans or deposits fall from Q3 levels, or loan growth drops below 3% annualized.
Why it matters: Q3 expenses rose, but expenses took a smaller share of assets. The next quarter can show if cost control holds as the bank grows.
Worry ifQ4 non-interest expense rises by more than 8% annualized from $405.7 million. Expense as a share of average assets tops 2.16%.
Less concerning ifQ4 non-interest expense rises by no more than 8% annualized. Expense as a share of average assets stays at or below 2.16%.
Why it matters: More net interest income helped drive record results. The margin has edged down, so both measures matter.
Watch forQ4 net interest income is above $621.6 million. Reported net interest margin stays at or above 3.49%.
Also watch forQ4 net interest income falls below $621.6 million and margin drops below 3.40%.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$82 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $199 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,930 loss on $10,000 · 19.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.