윈트러스트 파이낸셜(WTFC) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

WTFC

Wintrust Financial Corp

7월 27일 3:53 PM ET (한국 7/28 04:53)

$158.66

+0.89 ▲ +0.56%

윈트러스트 파이낸셜(WTFC) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$10.7B

미드캡

P/E

12.8

저평가 구간

배당수익률

1.39%

52주 위치

82%

저점 +33% · 고점 -5%

애널리스트

매수

Fundamental health

vs. Banks - Regional 중형주

수익성

Top 56%

성장

Top 61%

밸류에이션

Top 56%

재무 안정

Top 66%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 5년 (not other companies).

Very cheap

Cheap

Typical

Pricey

🔥 Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 12원. Over the past 5년, it usually traded around 11원. One of the priciest stretches of the past 5년.

Pricy doesn't mean bad — it means expectations are already baked in.

Index ⓘ	-	P/E ⓘ	12.75	EPS (ttm) ⓘ	12.45	Insider Own ⓘ	1.53%	Shs Outstand ⓘ	67.5M	Perf Week ⓘ	-3.43%
Market Cap ⓘ	10.70B	Forward P/E ⓘ	11.5	EPS next Y ⓘ	5.07%	Insider Trans ⓘ	-3.21%	Shs Float ⓘ	66.4M	Perf Month ⓘ	-0.72%
Enterprise Value ⓘ	-	PEG ⓘ	1.18	EPS next Q ⓘ	3.27	Inst Own ⓘ	97.37%	Short Float ⓘ	3.7%	Perf Quarter ⓘ	5.39%
Income ⓘ	0.85B	P/S ⓘ	2.46	EPS this Y ⓘ	15.14%	Inst Trans ⓘ	0.21%	Short Ratio ⓘ	4.64	Perf Half Y ⓘ	4.24%
Sales ⓘ	4.34B	P/B ⓘ	1.51	EPS next 5Y ⓘ	9.78%	ROA ⓘ	1.25%	Short Interest ⓘ	2.46M	Perf YTD ⓘ	13.47%
Book/sh ⓘ	105.26	P/C ⓘ	-	EPS past 3/5Y ⓘ	12.46% 19.49%	ROE ⓘ	12.21%	52W High ⓘ	-5.12% ($167.21)	Perf Year ⓘ	19.47%
Cash/sh ⓘ	-	P/FCF ⓘ	6.38	Sales past 3/5Y ⓘ	23.37% 17.97%	ROIC ⓘ	7.57%	52W Low ⓘ	32.65% ($119.61)	Perf 3Y ⓘ	90.67%
Dividend Est. ⓘ	$2.2 (1.39%)	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	17.55%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	2.06% 1.94%	Perf 5Y ⓘ	126.17%
Dividend TTM ⓘ	2.1	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	5.67%	Oper. Margin ⓘ	27.85%	ATR (14) ⓘ	3.4	Perf 10Y ⓘ	196.45%
Dividend Ex-Date ⓘ	2026/5/14	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	18.71%	Profit Margin ⓘ	19.53%	RSI (14) ⓘ	47.98	Recom ⓘ	1.8
Dividend Gr. 3/5Y ⓘ	13.72% 12.3%	Current Ratio ⓘ	0.08	Sales Q/Q ⓘ	4.36%	SMA20 ⓘ	-1.68% ($161.37)	Beta ⓘ	0.85	Target Price ⓘ	$179.13
Payout ⓘ	17.54%	Debt/Eq ⓘ	0.58	Earnings ⓘ	2026/7/20	SMA50 ⓘ	1.77% ($155.9)	Rel Volume ⓘ	1.02	Prev Close ⓘ	$157.77
Employees ⓘ	5902	LT Debt/Eq ⓘ	0.58	EPS/Sales Surpr. ⓘ	5.08% 0.45%	SMA200 ⓘ	9.8% ($144.5)	Avg Volume(3M) ⓘ	0.53M	Price ⓘ	$158.66
IPO ⓘ	1996/9/23	Option/Short ⓘ	Yes/Yes			Trades ⓘ	9633	Volume ⓘ	543,552	Change ⓘ	0.56%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12*

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $928M (YoY +5%) · 순이익 $227M (YoY +20%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Wintrust Financial Corp (WTFC) Investment Analysis

What kind of company is Wintrust Financial Corp?

윈트러스트 파이낸셜(WTFC) 성장주

Financial · Banks - Regional

#904 by Market Cap — Mid-Cap

A U.S. regional banking company, this regional bank holding company provides deposits, lending, asset management, and specialty financial services in the Midwest, including Chicago. Its performance is driven by net interest margin, loan growth, and its asset management and specialty finance businesses.

Learn more about Wintrust Financial Corp →

Market Cap

$10.7B

Approx. KRW 14.7 trillion

⚖️ 4% of Samsung Electronics

Market Cap Rank904

Employees5,902people

IPO1996/09/23

Current Price$158.66 ≈ 217,364원

NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 7월 20일 (월) · 장 마감 후 EPS +5.1% 매출 +0.5%

🎯 Ex-div 2026년 5월 14일 (목) 주당 $0.55

🔔 Earnings release 2026년 4월 20일 (월) · 장 마감 후 EPS +8.7% 매출 +0.8%

Is it profitable?

Financial health caution

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

27.9%

✓ 양호

My positionMid-range

Low range Average High range

Banks - Regional 중형주 Median 27.0% · Top 46%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

19.5%

✓ 평균

My positionMid-range

Low range Average High range

Banks - Regional 중형주 Median 21.0% · Bottom 41%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

12.2%

✓ 양호

My positionMid-range

Low range Average High range

Financial 중형주 Median 12.1% · Top 50%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

1.3%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 1.5% · Bottom 34%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

7.6%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 8.4% · Bottom 43%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.58

✓ Average

My positionMid-range

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.08

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$179.13

현재가 대비 +12.9%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

11.50배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

PEG (성장 반영 밸류)

1.18

적정

💡 PEG 1~1.5 — 성장 대비 합리적

내년 EPS 예상 성장률

+5.1%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

5년 EPS 예상 연평균

+9.8%

💡 장기 성장 전망. 15% 이상이면 고성장 기업

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Reliability

Beat estimates in 2 of the last 2 quarters

예상 상회

예상 부합

예상 하회

100%

상회 비율

+6.4%

평균 서프라이즈

2026.07.20

상회

실적 $3.28 · 예상 $3.15 +4.0%

2026.04.20

상회

실적 $3.22 · 예상 $2.96 +8.7%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Growth Expected to Slow

Historical growth is expected to lose momentum

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+15.1%

양호

My positionMid-range

Low range Average High range

성장주 중형주 Median 13.7% · Top 46%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+5.1%

매우 부진

My positionBottom 5%

Low range Average High range

성장주 중형주 Median 15.1% · Bottom tier

5-Year EPS CAGR Outlook

Projected average annual EPS growth over the next 5 years

+9.8%

매우 부진

My positionBottom 5%

Low range Average High range

성장주 중형주 Median 15.9% · Bottom tier

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+12.5%

양호

My positionMid-range

Low range Average High range

성장주 중형주 Median 8.2% · Top 43%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+19.5%

양호

My positionMid-range

Low range Average High range

성장주 중형주 Median 13.1% · Top 39%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+18.0%

우수

My positionTop 25%

Low range Average High range

성장주 중형주 Median 10.6% · Top 24%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+4.4%

부진

My positionBottom 25%

Low range Average High range

성장주 중형주 Median 11.1% · Bottom 24%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Outperformed the market by 58%p over 5 years

WTFC +126.2% · S&P 500 +68.0%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

+58.2%p

well ahead of the market

1-year basis

vs S&P 500

+3.0%p

roughly in line with the market

Rank among peers

5-year return Top 14% Based on 77 peers

1-year return Lower-Mid (lower 42%) Based on 78 peers

Current position within 52-week range

Low (-32.6%p) High (-5.1%p)

Current price is 32.6% above the 52-week low and 5.1% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-19.3%

Annualized volatility

24.5%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟡

Current diagnosis · 2026-07-24

Squeeze — volatility contraction, breakout imminent

Band width narrowed to 5.4%. Big move may be near. Inside the Ichimoku cloud (neutral).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡

Current diagnosis · 2026-07-24

Neutral zone — weak trend

MACD 0.927 · Signal 1.819 · Hist -0.892. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🔴

Current diagnosis · 2026-07-24

Bearish zone

RSI 48.0 (below the neutral level of 50). Selling pressure leads, indicating a weak trend. Stoch %K is also 27.4.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Earnings·Vs. Sales·Vs. Cash Flow, In line with peers on Vs. Assets

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🏢 Vs. Assets Mid-range

🧾 Vs. Sales Cheap

💧 Vs. Cash Flow Cheap

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

12.75x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Regional 중형주 median 13.04x · Around the industry average

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

11.50x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 중형주 median 10.67x · Around the industry average

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.51x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 중형주 median 1.29x · Around the industry average

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

2.46x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Regional 중형주 median 2.67x · Around the industry average

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

6.38x

✓ Very cheap

My positionTop 5%

Low range Average High range

Banks - Regional 중형주 median 12.58x · Top 1% — relatively cheap within the industry

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

Analyst target price (reference)

$179.13 vs. current price +12.9%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 중형주

Who owns it?

Ownership is broadly stable

Insider modest net selling -3.2% · Institutional modest net buying +0.2% · Short interest light 3.7% · Short interest up +0.6pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

-3.2%

Insiders net selling

🏦 Institutions (funds & investors)

+0.2%

Institutions net buying

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 97.4%

Institution-led, stable structure

Financial 중형주 Median 76.4%

🧑‍💼 Insiders 1.5%

Typical level

Financial 중형주 Median 3.1%

👤 Retail investors (estimated) 1.1%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

3.7%

Low — limited short-side pressure

Financial 중형주 Median 5.1%

Past 90 days 📈 +0.6%p increase

Short interest days to cover

4.6 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 67.5M주

Float (tradable shares) 66.4M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding WTFC

ETFs with the highest weightings · 10 total shown

QABA

First Trust NASDAQ ABA Community Bank Index Fund

4.53%

$91M

SMLL

Harbor Active Small Cap ETF

3.83%

$14M

PJFM

PGIM Jennison Focused Mid-Cap ETF

2.70%

$20M

PFFV

Global X Variable Rate Preferred ETF

2.34%

$303M

TSCV

Thrivent Small Cap Value ETF

2.30%

$184M

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당 지급 — 연 1.39%

배당보다 주가 성장에 가까운 비중

Dividend Yield

1.39%

Industry average 2.62%

Dividend Per Share

$2.20

Annualized

Payout Ratio

18%

Share of net income paid as dividends

5-Year Growth

12.3%

Annualized dividend growth

🏆 12년 연속 배당 증가

📅 지급월 2월 · 8월 · 11월

📊 총 이력 2000~2026 (77건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$0.48 +9.1%

2016

$0.56 +16.7%

2017

$0.76 +35.7%

2018

$1.00 +31.6%

2019

$1.12 +12.0%

2020

$1.24 +10.7%

2021

$1.36 +9.7%

2022

$1.60 +17.6%

2023

$1.80 +12.5%

2024

$2.00 +11.1%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 77건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2026-02-05

$0.550

—

1.61%

2025-11-06

$0.500

—

1.90%

2025-08-07

$0.500

—

1.95%

2025-05-08

$0.500

—

2.01%

2025-02-06

$0.500

—

1.75%

2024-11-07

$0.450

—

1.73%

2024-08-08

$0.450

—

2.19%

2024-05-08

$0.450

—

2.08%

2024-02-07

$0.450

—

2.24%

2023-11-08

$0.400

—

2.45%

2023-08-09

$0.400

—

2.27%

2023-05-10

$0.400

—

2.93%

2023-02-08

$0.400

—

1.86%

2022-11-09

$0.340

—

1.78%

2022-08-10

$0.340

—

1.54%

2022-05-11

$0.340

—

1.55%

2022-02-09

$0.340

—

1.54%

2021-11-09

$0.310

—

1.65%

2021-08-04

$0.310

—

2.12%

2021-05-05

$0.310

—

1.86%

2021-02-10

$0.310

—

1.69%

2020-11-10

$0.280

—

2.09%

2020-08-05

$0.280

—

3.13%

2020-05-06

$0.280

—

3.67%

2020-02-05

$0.280

—

1.94%

2019-11-06

$0.250

—

1.76%

2019-08-07

$0.250

—

1.72%

2019-05-08

$0.250

—

1.43%

2019-02-06

$0.250

—

1.40%

2018-11-07

$0.190

—

1.16%

2018-08-08

$0.190

—

0.95%

2018-05-09

$0.190

—

0.86%

2018-02-07

$0.190

—

0.91%

2017-11-08

$0.140

—

0.87%

2017-08-08

$0.140

—

0.87%

2017-05-09

$0.140

—

0.89%

2017-02-07

$0.140

—

0.87%

2016-11-08

$0.120

—

1.10%

2016-08-09

$0.120

—

0.87%

2016-05-10

$0.120

—

0.90%

2016-02-09

$0.120

—

1.13%

2015-11-09

$0.110

—

0.83%

2015-08-04

$0.110

—

0.99%

2015-05-05

$0.110

—

1.07%

2015-02-03

$0.110

—

1.12%

2014-11-04

$0.100

—

0.87%

2014-08-05

$0.100

—

0.86%

2014-05-06

$0.100

—

0.66%

2014-02-04

$0.100

—

0.65%

2013-08-06

$0.090

—

0.65%

2013-02-05

$0.090

—

0.73%

2012-08-07

$0.090

—

0.73%

2012-02-07

$0.090

—

0.85%

2011-08-09

$0.090

—

0.92%

2011-02-08

$0.090

—

0.81%

2010-08-10

$0.090

—

0.88%

2010-02-09

$0.090

—

1.14%

2009-08-11

$0.090

—

1.00%

2009-02-10

$0.180

—

2.79%

2008-08-05

$0.180

—

2.32%

2008-02-05

$0.180

—

1.40%

2007-08-07

$0.160

—

1.16%

2007-02-06

$0.160

—

0.94%

2006-08-08

$0.140

—

0.58%

2006-02-07

$0.140

—

0.50%

2005-08-05

$0.120

—

0.66%

2005-02-04

$0.120

—

0.40%

2004-08-06

$0.100

—

0.39%

2004-02-03

$0.100

—

0.55%

2003-08-01

$0.080

—

0.63%

2003-02-04

$0.080

—

0.47%

2002-08-02

$0.060

—

0.52%

2002-02-01

$0.060

—

0.75%

2001-08-07

$0.047

—

0.59%

2001-02-06

$0.047

—

0.77%

2000-08-08

$0.033

—

0.44%

2000-02-08

$0.017

—

0.16%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 1.2만원

5년 누적 (세후) 7.5만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 12.3% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
WTFC This Stock	$10.7B	12.8 ▲	1.5 ▼	12.21% ▲	1.39% ▼	+0.6%
BRK-A	$963.8B	14.8 ▼	1.5 ▼	10.49% ▲	-	+1.1%
BRK-B	$960.9B	14.7 ▼	1.5 ▼	10.49% ▲	-	+0.8%
JPM	$946.4B	15.1 ▼	2.7 ▼	17.71% ▲	1.81% ▼	+0.9%
V	$670.3B	31.3 ▼	19.1 ▼	59.8% ▲	0.76% ▼	+1.2%
MA	$476.8B	31.2 ▼	71.2 ▼	232.56% ▲	0.64% ▼	+1.8%
Sector Avg	-	13.6	1.3	9.13%	2.62%	-