Wintrust Financial is a Chicago-based regional bank holding company whose core products are commercial and retail deposits and loans, plus a sizeable niche in specialty lending (premium finance, equipment and asset-based lending) and wealth management through its trust and investment arm. Its edge is a decentralized, community-bank structure: a federation of local bank subsidiaries that keep local decision-making while sharing a common platform, which has let it grow its footprint across the Chicago metro area and Wisconsin without the cost base of a money-center bank. The near-term driver is loan growth into a stable rate environment, with revenue up 8.4% and an ROE of 12.9%, and a P/E of 11.5 against a forward P/E of 10.6, which implies the market expects earnings to rise modestly rather than sharply. At roughly $10.1 billion in market cap, the stock sits in a range where it has not yet drawn index-level institutional attention (no index memberships), which may be part of why the multiple is undemanding. The score of 70/100 justifies a deeper look at credit quality, deposit costs and net interest margin trends, which are the variables that will decide whether that discount is earned.
Plain-English pros, cons, and what to watch. Pro feature.
See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.
The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.
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| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 23 Oct 2026, 11:04 CEST | Fair value | $157 | $152 | $150 |
| 23 Oct 2026, 01:52 CEST | ACCE price target | $162 | $152 | $150 |
| 21 Oct 2026, 11:06 CEST | Fair value | $152 | $150 | $146 |
| 20 Oct 2026, 14:06 CEST | Fair value | $150 | $151 | $142 |
| 19 Oct 2026, 17:05 CEST | Rating | Fairly valued | first publication | $144 |
| 10 Oct 2026, 00:00 CEST | ACCE price target | $152 | first publication | $144 |
| 30 Sept 2026, 00:00 CEST | Fair value | $151 | $155 | $144 |
| 22 Sept 2026, 00:00 CEST | Fair value | $155 | $157 | $148 |
| 11 Sept 2026, 00:00 CEST | Fair value | $157 | $159 | $151 |
| 1 Sept 2026, 00:00 CEST | Fair value | $159 | $254 | $153 |
Answered from Wintrust Financial Corporation Common Stock fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| WTFC Wintrust Financial Corporation Common Stock | $150.77 | $157 | 4% below | 11.3x | 12.9% | 86 | 70 |
| 8331.T The Chiba Bank, Ltd. | ¥2371.50 | ¥1486 | 60% above | 17.0x | 8.3% | 61 | 80 |
| 8421.T Shinkin Central Bank | ¥187900.00 | - | - | 37.4x | 2.9% | 55 | 49 |
| 5831.T Shizuoka Financial Group,Inc. | ¥2894.00 | ¥2015 | 44% above | 15.7x | 8.2% | 61 | 72 |
| 7186.T Yokohama Financial Group, Inc. | ¥1611.50 | ¥1110 | 45% above | 16.9x | - | 71 | 73 |
| 7167.T Mebuki Financial Group,Inc. | ¥1445.00 | - | - | 14.4x | 9.2% | 61 | 73 |
| INDIANB.NS Indian Bank | ₹837.15 | - | - | 8.7x | 16.1% | 68 | 69 |
Where WTFC ranks against its sector peers on each metric.