NASDAQ: WTFC ยท Regional Banks
Wintrust Financial (WTFC) fair value and price range
As of 20 Sep 2026, Faircurve's model values Wintrust Financial (WTFC) at $149.68 a share. The stock last closed at $147.08, which puts the model's fair value 1.8% above the price. No verdict is shown for WTFC. Banks, insurers and real estate investment trusts (REITs) are valued with a separate method, and the model's evidence grade has not been worked out for that method yet. The fair value is shown for reference.
Revalued . Price is the close of 21 Sep 2026. Wintrust Financial Corporation.
What price range does the model give WTFC?
The calibrated range for WTFC over 63 trading days is $138.08 to $165.70. It sits around the last close, and its width comes from the volatility that WTFC's own options imply (26% a year), calibrated weekly against realised prices (n = 2,982 past valuations, refreshed 19 Sep 2026). Ranges built this way held the price 60% of the time at this horizon. The fair value is the model's opinion and rides beside the range. It is not the centre of it.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $116.17 to $189.25. In 52% of the simulations the fair value came out above the price the model ran on.
How does WTFC compare with similar companies?
The companies in regional banks closest to Wintrust Financial in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| CFR Cullen/Frost Bankers, Inc. | $158.74 | $129.75 | -18.3% | Not graded yet |
| SSB SouthState Bank Corp. | $103.11 | $88.79 | -13.9% | Fairly valued |
| UMBF UMB Financial Corporation | $133.53 | $129.36 | -3.1% | Not graded yet |
| ONB Old National Bancorp | $25.25 | $23.22 | -8.0% | Not graded yet |
| ZION Zions Bancorporation, National Association | $64.98 | $93.47 | +43.8% | Not graded yet |
| FHN First Horizon Corporation | $23.93 | $22.81 | -4.7% | Not graded yet |
| WAL Western Alliance Bancorporation | $78.65 | $98.06 | +24.7% | Not graded yet |
| COLB Columbia Banking System, Inc. | $29.90 | $27.32 | -8.6% | Not graded yet |
When does WTFC report earnings, and how has the stock reacted?
Wintrust Financial's next earnings report is scheduled for 19 Oct 2026. Companies can move their dates.
Options prices on 21 Sep 2026 imply a move of about 5.3% in either direction through the nearest expiry, about 24 days out. That is the size the market is pricing, not a direction. WTFC's 30 day implied volatility works out to about 7.5% over one month.
How WTFC moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 2.3%.
| Report date | Two session move |
|---|---|
| 20 Jul 2026 | -3.3% |
| 20 Apr 2026 | +1.4% |
| 20 Jan 2026 | +3.8% |
| 20 Oct 2025 | +5.4% |
| 21 Jul 2025 | +1.0% |
| 21 Apr 2025 | +17.6% |
| 21 Jan 2025 | -1.3% |
| 21 Oct 2024 | -0.5% |
Wintrust Financial at a glance
Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management.
- Market value
- $9.9B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- -29.8%
- Analysts with estimates
- 10
- Beta to the US market
- 0.81
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Wintrust Financial on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 12 Sep 2026 the model's fair value for WTFC was $158.74. As of 20 Sep 2026 it is $149.68, a change of -5.7%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Wintrust Financial's valuation
Is Wintrust Financial stock undervalued or overvalued?
Faircurve's model puts WTFC's fair value at $149.68 a share against a last close of $147.08, as of 20 Sep 2026. No verdict is shown for WTFC. Banks, insurers and real estate investment trusts (REITs) are valued with a separate method, and the model's evidence grade has not been worked out for that method yet. The fair value is shown for reference.
What is WTFC's fair value?
$149.68 a share as of 20 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $116.17 to $189.25.
What price range does the model give WTFC?
$138.08 to $165.70 over 63 trading days. Ranges built this way held the price 60% of the time across 2,982 past valuations, refreshed 19 Sep 2026.
When does Wintrust Financial report earnings next?
The next report is scheduled for 19 Oct 2026. Companies can move their dates.
How much has WTFC moved on past earnings reports?
Across its last 8 reports the median two session move was 2.3%, ignoring direction. The largest was +17.6% around the report of 21 Apr 2025.
How confident is the model in this valuation?
Model confidence for WTFC has not been graded yet. Banks, insurers and real estate investment trusts are valued with a separate method, and the evidence grade has not been worked out for it. No grade is a probability that a fair value is right.