What Is Wintrust Financial Corporation (WTFC) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Wintrust Financial Corporation's intrinsic value is estimated at a composite fair value of $181.77. Trading at $162.62, the stock is approaching fair value or slight overvaluation (implied return of +11.8%), as 8 of 13 models suggest limited further upside. Model dispersion is worth noting: ML-RIV targets $663.93 (+308.3%), versus Sentiment SOTP at $8.12 (-95.0%). This +403.3% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About WTFC?
13 of 13 models are currently active for WTFC. Of these, 3 models suggest upside while 10 models suggest overvaluation. The Bayesian DCF estimates WTFC's intrinsic value at $62.70, implying -61.4% downside from the current price. See which stocks rank higher →
How Does WTFC Rank in State Commercial Banks?
Among 166 State Commercial Banks stocks, WTFC ranks #160 by Quality of Company score. CirclFi's QOC score of 3.7/10 evaluates 32 fundamental signals. A score of 3.7 signals below-average fundamentals.
See all Most Undervalued State Commercial Banks Stocks →
The State Commercial Banks sector introduces analytical considerations specific to lending environment businesses. For Wintrust Financial Corporation, metrics like deposit growth provide important context that general-purpose valuation models may underweight.
Is WTFC a Value Trap?
CirclFi's Value Trap algorithm assigns WTFC a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
13 of 13 models are active for Wintrust Financial Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Wintrust Financial Corporation scores 3.7 out of 10 on our 32-signal quality assessment, a moderate rating that shows mixed signals across our quality framework with notable weaknesses. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +403.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every WTFC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across WTFC's 13 active models, average confidence is 36%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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