NASDAQ · STOCK
Wintrust Financial
$163.70
52W $119.61 – $167.22
66/100
—
13.5
0.84
Explore WTFC Further
Is WTFC Bullish or Bearish?
Bullish.
Innellis AI committee rates Wintrust Financial (WTFC) Buy with a composite score of 66/100
, based on 7 analysts with 86% agreement.
Last updated July 20, 2026.
Executive Summary
The primary driver is low leverage (debt-to-equity 0.14) -- balance sheet can absorb a shock. The main limiting factor is sector concentration is already high (hhi 2975.52). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
- Higher Highs / Higher Lows structure confirms bullish price action.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- MACD histogram is negative (-0.009) — bearish momentum.
- Bearish candlestick pattern(s) detected: Evening Star.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 20, 2026
Overall Committee Score
66/100
Agreement
86%
Analysts
7
Conviction
High
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.9 is inexpensive for the broad market
Growth Analyst
bullish
67
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 79.3% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
63
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.14) -- balance sheet can absorb a shock
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2975.52)
Investment Thesis Evolution
Committee score moved marginally from 65.9 to 66.2.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Portfolio Manager: +1 bearish signal(s).
Comparing 2026-07-19 to 2026-07-20 (1 day apart).
Technical Analysis
RSI (14)
57.3
Neutral
MACD Histogram
-0.009
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.74
Inside Bands
Price vs Moving Averages
EMA 9
$163.05
Above
EMA 21
$160.89
Above
EMA 50
$156.49
Above
EMA 200
$145.22
Above
Fundamental Analysis
Valuation
100
Growth
77
Profitability
0
Financial Health
48
Cash Flow
37
Valuation
P/E Ratio
13.5×
P/B Ratio
1.49×
PEG Ratio
0.77
Dividend Yield
0.01%
52W High
$167.22
52W Low
$119.61
Quality & Growth
ROE
11.3%
ROA
1.2%
Gross Margin
62.8%
Operating Margin
27.2%
Revenue Growth YoY
—
Debt / Equity
0.59
AI Fundamental Assessment
P/E ratio of 13.5 (inexpensive relative to a 15-40x range); Price-to-book of 1.5x; PEG ratio of 0.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.6%; Current ratio of 0.27 (tight short-term liquidity); Debt-to-equity of 0.59; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (25.01); Most recent quarter beat estimates by 2.8%; 5 consecutive earnings beats; EPS growth roughly steady (+2.2% -> +2.5% QoQ); Average YoY EPS growth of 18.7%; Analyst estimates rising over recent quarters
Key Risks
- MACD histogram is negative (-0.009) — bearish momentum.
- Bearish candlestick pattern(s) detected: Evening Star.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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