Operating through Community Banking, Specialty Finance, and Wealth Management segments, Wintrust leverages its Midwest foundation while expanding into specialty markets including insurance premium financing and accounts receivable financing. With 10.6% annualized revenue growth over the last five years, Wintrust's growth was slightly above the average banking company, demonstrating competitive positioning in the regional banking sector.
Cyborg Score Rationale
Wintrust posted adjusted profit of $3.15 per share, beating analyst estimates, with revenue exceeding forecasts at $714.3 million. Q4 2025 revenue growth of 10.8% exceeded expectations by 1.6%, with lending operations as the largest revenue source. Solid fundamentals support a strong investment thesis despite valuation concerns.
Top Insights
Latest Q4 2025 earnings beat consensus expectations with $3.15 EPS vs. $2.93 estimate and $714.26M revenue vs. $700.85M estimate
Return on equity of 12.95% and net margin of 19.48% demonstrate strong operational efficiency
Outperforming 73.78% of all stocks on a yearly basis, reflecting strong market performance
Market capitalization of $10.30 billion with PE ratio of 13.49, reflecting reasonable valuation for a mid-cap financial
Named Competitors
Chase Bank — Diversified financial services and regional banking
Wells Fargo — Large-cap regional and community banking