WTFC Wintrust Financial Corp

XNAS 144.08 Delayed
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Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

WTFC $144.08 —
Key stats
$144.08
52-Week Range
$122.00 – $167.22
YTD
+1.00%
IV Rank (30D)
84.94
Straddle Price
$10.25
P/C Vol Ratio
0.75
Market Cap
$9.7B
Open
$144.31
Day Range
$143.08 – $146.66
Volume
383,378
Prev Close
$143.54
Fair Value
MODEL: LONG

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)5.21%
Beta vs SPY0.96
Cost of Equity (CAPM)10.01% (VRP-adj)
WACC8.57%
Volatility Risk Premium+19.9pp (IV − HV30)
Effective Tax Rate26.1%
Rev. Growth (YoY, DCF input)+1.6%
DCF Horizon10 years explicit + fade
Forward Tilt (NTM/TTM)×1.02 (applied to P/E, EV/EBITDA, P/S)
Free Cash Flow (TTM)$1.6B
Return on Equity (TTM)11.3%
Book / Price75.6% — banking bias active (P/B is primary)
Bank Quality Adj×1.02 (target ROE vs peer median)
Gross Margin (TTM)65.2%
FCF Margin (TTM)36.7%
Debt / Equity0.54
Quality Score3/6 — normal (10y DCF)
Market-Implied Growth-9.1% (reverse-DCF on current price)
SMA 50$150.29 (Market Anchor value)
SMA 20 / Bollinger Mid$144.15
Bollinger Width / SMA203.0% (drives anchor stability)
Net Debt$3.5B
Market Cap$10B
Peers used for multiples: BAC, EWBC, FITB, MTB, PNC, RF, TFC, USB
60-Day Conviction
51%
20-Day Fair Value
≈ by Nov 16, 2026
$146.93
α +2.0% rank 18%
conviction
89%
40-Day Fair Value
≈ by Dec 15, 2026
$147.62
α +2.5% rank 16%
conviction
71%
60-Day Fair Value
≈ by Jan 13, 2027
$145.99
α +1.3% rank 17%
conviction
51%
MethodImplied PriceWeightDetail
DCF $319.68 21%
DDM (Gordon) $25.97 0%
Peer P/E $138.96 6% median 11.2× · 8 peers
Peer EV/EBITDA n/a 0% median 14.4× · 8 peers
Peer P/B $136.82 10% median 1.3× · 8 peers
Peer P/S $155.08 3% median 2.4× · 8 peers
Market Anchor (SMA50) $150.29 43% stability 100% (BB-width)
Options Expected (B-L 30d) $145.00 17% 16 strikes · skew +0.66
As of 2026-10-16 · updated
About
Industry (SIC)
STATE COMMERCIAL BANKS (6022) · industry map
Exchange
XNAS
Market Cap
$9.7B
Employees
5,902
List Date
1996-09-23
CIK
0001015328
Next Earnings
2026-10-19 (After-Close)
EPS Forecast
$3.29 (7 est.)
Headquarters
Rosemont, IL
Homepage
https://www.wintrust.com

Wintrust Financial Corp is a financial holding company that provides community-oriented, personal, and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and western Michigan. The company provides specialty finance services, including financing for the payment of property and casualty insurance premiums and life insurance premiums, and wealth management services to customers in its market area. Its operations consist of three primary segments: community banking, specialty finance, and wealth management. The compan…

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan-1.21%5.54%9.30%4.68%5.48%3.39%4.53%
Feb19.69%0.31%-0.87%2.81%-2.18%-3.77%2.67%
Mar-0.84%0.66%-20.85%7.57%-7.69%-5.28%-4.41%
Apr1.29%-5.19%-4.99%-6.24%-1.15%7.50%-1.46%
May3.90%-0.87%-5.58%0.50%6.02%0.44%0.73%
Jun-7.64%-7.57%11.07%2.90%3.70%9.27%1.96%
Jul-6.39%5.80%15.75%8.78%0.21%-2.00%3.69%
Aug5.89%-2.77%-6.99%3.53%10.70%-7.05%0.55%
Sep9.71%-3.16%-5.10%0.81%-3.16%-4.65%-0.92%
Oct7.59%11.80%0.48%10.83%-1.20%0.37%*4.98%
Nov-4.63%-3.06%14.55%20.65%4.05%--6.31%
Dec4.97%-7.21%3.78%-9.16%2.85%---0.95%
Total33.49%-7.26%4.28%54.80%17.57%-3.07%16.64%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $143.98
SMA 50: $149.99
SMA 200: $149.99
Current: $144.08
EMA 12: $143.74
EMA 26: $145.63
MACD: -1.8905 | Signal: 0.3333
BEARISH
ADX (14): 33.34
TREND
+DI: 23.56
−DI: 30.98

Momentum Oscillators

RSI (14): 45.05
NEUTRAL
Stoch %K: 52.07
Stoch %D: 49.68
Williams %R: -34.49

Volume & Volatility

BB Upper: $146.68
BB Lower: $141.27
NEUTRAL
OBV: -2,426,597
Vol SMA 20: 504,268
Vol ROC: -16.55%
ATR: $3.02
True Range: $3.58
HV 20: 17.0%
HV 30: 16.0%
HV 60: 17.2%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-18T00:00:00 – 2026-10-16T00:00:00
AI Analysis

LLM Stock Analysis Report

SYMBOL: WTFC

System Prompt: You are a professional financial analyst providing comprehensive stock analysis reports.

Executive Summary: BULLISH (Confidence Level: 8/10)

Key drivers: Positive earnings and dividend announcements, increasing quarterly common stock dividend rate by 10%

Primary risks:

  • High volatility and beta indicating amplification of market movements
  • Options market pricing a $8.80 move by expiration, potentially leading to increased uncertainty

Investment thesis: WTFC's recent positive news and dividend announcements support the bullish outlook. However, the high volatility and beta indicate that market movements can amplify quickly, making it essential to monitor risk levels.

Recent news sentiment impact: The recent news headlines all have a positive sentiment, emphasizing the company's financial performance and shareholder value initiatives.

Technical Analysis:

  • Trend Direction: Short-term (1-4 weeks): Uptrend, Medium-term (1-3 months): Range-bound, Long-term (3-12 months): Bullish
  • Support/Resistance Levels: Upper Bollinger Band ($153.26), Middle Line of Bollinger Bands ($149.11), Lower Bollinger Band ($144.97)
  • Momentum Signals:
    • RSI interpretation: Neutral (55.26%)
    • MACD signal: Bullish (0.69 / Signal: -0.25 / Histogram: 0.93)
    • Bollinger Bands position: Squeeze
  • Volume Analysis: Volume SMA 20 ($408836.05), On-Balance Volume (OBV) ($3021156.03), Volume Rate of Change: -26.92%

News & Sentiment Analysis:

  • Recent Headlines Summary: Positive earnings and dividend announcements, increasing quarterly common stock dividend rate by 10%
  • Sentiment Assessment: Positive (85%)
  • Catalyst Identification: Cash dividends, increasing quarterly common stock dividend rate by 10%, upcoming events
  • Market Narrative: Recent news aligns with the bullish technical signals

Risk & Volatility Assessment:

  • Beta Interpretation: High risk relative to market (beta >1.12)
  • Volatility Regime: Current volatility is above average, but still relatively low compared to historical levels
  • Options Market Signals: IV rank: 56.1% (Medium), Put/Call volume ratio: 6.77 (Bearish sentiment), Options market pricing a $8.80 move by expiration
  • Downside Protection: Support levels include the Middle Line of Bollinger Bands ($149.11) and Lower Bollinger Band ($144.97)

Market Context & Positioning:

  • Sector Performance: Relative strength vs sector/market: Above average
  • Institutional Activity: Volume patterns suggesting institutional interest (Volume SMA 20: $408836.05, On-Balance Volume: $3021156.03)
  • Correlation Analysis: How stock moves relative to market (R-squared interpretation): Highly correlated with the S&P 500
  • Relative Valuation: Position within trading range

Key Levels & Action Items:

  • Critical Price Levels: Upper Bollinger Band ($153.26), Middle Line of Bollinger Bands ($149.11)
  • Breakout/Breakdown Levels: Lower Bollinger Band ($144.97)
  • Time-Sensitive Catalysts: Cash dividends, increasing quarterly common stock dividend rate by 10%
  • Risk Management: Stop-loss levels and position sizing considerations based on volatility and beta

Conclusion:

WTFC's recent positive news and dividend announcements support the bullish outlook. However, the high volatility and beta indicate that market movements can amplify quickly, making it essential to monitor risk levels. The options market pricing a $8.80 move by expiration also adds uncertainty. Investors should carefully consider their position sizing and risk management strategies before entering or exiting this stock.

Generated
News
All WTFC news →
Earnings History
21 of 23 under expected move
Avg Expected Move
6.36%
Avg Actual Move
2.54%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2021-01-21 After-Close 6.90% 1.01% 0.15x Within
2021-04-20 After-Close 4.23% 2.93% 0.69x Within
2021-07-19 After-Close 8.56% 2.13% 0.25x Within
2021-10-19 After-Close 4.57% 8.52% 1.86x Exceeded
2022-01-19 After-Close 5.29% 0.08% 0.02x Within
2022-04-19 After-Close 4.03% 3.61% 0.90x Within
2022-07-20 After-Close 8.61% 0.10% 0.01x Within
2022-10-18 After-Close 5.42% 0.28% 0.05x Within
2023-01-18 After-Close 3.93% 2.44% 0.62x Within
2023-04-19 After-Close 6.37% 4.11% 0.65x Within
2023-07-20 After-Close 2.33% 1.20% 0.52x Within
2023-10-17 After-Close 5.48% 0.21% 0.04x Within
2024-01-17 After-Close 4.41% 2.66% 0.60x Within
2024-04-17 After-Close 4.56% 0.36% 0.08x Within
2024-07-17 After-Close 4.67% 4.98% 1.07x Exceeded
2024-10-21 After-Close 8.19% 2.20% 0.27x Within
2025-01-21 After-Close 14.83% 2.65% 0.18x Within
2025-04-21 After-Close 9.81% 5.16% 0.53x Within
2025-07-21 After-Close 6.76% 3.02% 0.45x Within
2025-10-20 After-Close 8.22% 2.26% 0.27x Within
2026-01-20 After-Close 6.39% 4.71% 0.74x Within
2026-04-20 After-Close 6.18% 0.99% 0.16x Within
2026-07-20 After-Close 6.57% 2.89% 0.44x Within

Earnings calendar: this week’s reports with expected vs actual moves →

WTFC Options Activity & IV Rank

WTFC IV rank history, 52-week IV rank and IV percentile →

Volatility Metrics

Current IV: 28.5%
7-DTE IV: —
Expected Move: $10.25
7-DTE Move: $2.75
Days to Exp: 35 (2026-11-20)

Options Flow

Call Volume: 8
Put Volume: 6
P/C Volume: 0.75
NEUTRAL
Call OI: 6
Put OI: 22
P/C OI: 3.667
Total OI: 28

ATM Options Pricing

ATM Call: $4.60
ATM Put: $5.65
Call %: 3.2%
Put %: 3.9%

Chain Summary

Chain Volume: 257
Chain OI: 364
Last Updated: 10/16/2026
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Dealer Positioning
LOW γ vs HISTORY

Estimated net dealer gamma is at the 0th percentile of this name's own daily history, near the low end of its range. This describes current positioning; it is not a forecast or a trading signal.

Gamma percentile
0%
vs own history
GEX tilt
-0.75
OI-weighted, today
Vanna tilt
+0.73
δ-sensitivity to IV
Charm tilt
-0.54
δ-decay vs time
Vanna tilt +0.73: the estimated dealer exposure leans positive, so the modeled hedge would shift noticeably if implied volatility changed.
Charm tilt -0.54: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.

Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.

Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.

Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.

This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.

· 7 ATM contracts, 0k total OI
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
as of Oct 16 · No data
30 DTE / 10d —
— pts EXTREME
as of Oct 16 · ATM 28.5% / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)84.9HighOct 16
Straddle Price (30 DTE)$10.25Oct 16
Beta Analysis

Risk Metrics

Beta: 0.7473
Alpha: 9.52%
Correlation: 0.4022
R-Squared: 16.2%
Stock Volatility: 23.7%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own WTFC
3 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Millennium Management Hedge fund
Izzy Englander
$105.6M
0.07%
#317 of 3716-6.0%13F
Point72 Hedge fund
Steve Cohen
$7.6M
0.01%
#850 of 1945new13F
Rockefeller Capital Management Family office
Rockefeller family
$952K
0.00%
#1730 of 4729+4.3%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

WTFC Institutional Ownership (13F)

Latest filings — 2026-09-30
Diluted shares outstanding: 67,947,500 (as of 2026-03-31)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

620 filers72,397,103 shares$11.44B value106.55% of float
# Filer Shares Value % of Total % of Float Period
1 BlackRock, Inc. Custodian 6,583,424 $1.06B 9.25% 9.69% 2026-06-30
2 Vanguard Group Inc Custodian 6,747,204 $943.39M 8.25% 9.93% 2025-12-31
3 FMR LLC Custodian 5,122,321 $823.26M 7.20% 7.54% 2026-06-30
4 Vanguard Portfolio Management LLC 3,595,895 $577.93M 5.05% 5.29% 2026-06-30
5 Vanguard Capital Management LLC 3,071,434 $493.64M 4.32% 4.52% 2026-06-30
6 Dimensional Fund Advisors LP Custodian 2,675,991 $430.09M 3.76% 3.94% 2026-06-30
7 State Street Corp 2,658,319 $427.24M 3.74% 3.91% 2026-06-30
8 First Trust Advisors LP 1,749,346 $281.15M 2.46% 2.57% 2026-06-30
9 EARNEST PARTNERS LLC 1,374,559 $220.92M 1.93% 2.02% 2026-06-30
10 Geode Capital Management, LLC Custodian 1,337,969 $215.09M 1.88% 1.97% 2026-06-30
11 Principal Financial Group, Inc. 1,246,124 $200.28M 1.75% 1.83% 2026-06-30
12 Invesco Ltd. Custodian 1,174,971 $188.84M 1.65% 1.73% 2026-06-30
13 Bank of America Corp Custodian 1,045,426 $168.02M 1.47% 1.54% 2026-06-30
14 Clearbridge Investments, LLC 1,007,925 $161.99M 1.42% 1.48% 2026-06-30
15 Capital International Investors 927,769 $149.11M 1.30% 1.37% 2026-06-30
16 Jennison Associates LLC 872,304 $140.20M 1.23% 1.28% 2026-06-30
17 JPMorgan Chase & Co Custodian 815,162 $131.22M 1.15% 1.20% 2026-06-30
18 Charles Schwab Investment Management, Inc. 801,412 $128.80M 1.13% 1.18% 2026-06-30
19 Northern Trust Corp Custodian 785,184 $126.19M 1.10% 1.16% 2026-06-30
20 FULLER & THALER ASSET MANAGEMENT, INC. 764,128 $122.81M 1.07% 1.12% 2026-06-30
21 Norges Bank 742,963 $119.41M 1.04% 1.09% 2026-06-30
22 SEI INVESTMENTS CO Custodian 721,897 $116.02M 1.01% 1.06% 2026-06-30
23 Millennium Management LLC Custodian 657,273 $105.64M 0.92% 0.97% 2026-06-30
24 Clark Capital Management Group, Inc. 643,788 $103.47M 0.90% 0.95% 2026-06-30
25 Morgan Stanley Custodian 604,963 $97.23M 0.85% 0.89% 2026-06-30
3 filers$2.14M notional
# Filer Notional Value % of Total Period
1 Susquehanna International Group, LLP Custodian $1.03M 48.12% 2026-06-30
2 Jane Street Group, LLC Custodian $594.66K 27.82% 2026-06-30
3 Citadel Advisors LLC Custodian $514.30K 24.06% 2026-06-30
2 filers$1.06M notional
# Filer Notional Value % of Total Period
1 Susquehanna International Group, LLP Custodian $723.24K 68.18% 2026-06-30
2 Citadel Advisors LLC Custodian $337.51K 31.82% 2026-06-30

WTFC Insider Trading (Form 4)

Latest: 2026-09-30
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-09-30 Laura A. Kohl Director Award (A) +346 $160.72 $55.6K EDGAR
2026-09-30 David S Richter Director Award (A) +394 $160.72 $63.3K EDGAR
2026-09-30 Suzet M McKinney Director Award (A) +354 $160.72 $56.9K EDGAR
2026-09-30 Gregory A Smith Director Award (A) +388 $160.72 $62.4K EDGAR
2026-09-30 Karin Gustafson Teglia Director Award (A) +420 $160.72 $67.5K EDGAR
2026-09-30 Deborah L. Hall Lefevre Director Award (A) +439 $160.72 $70.6K EDGAR
2026-09-30 Brian A Kenney Director Award (A) +470 $160.72 $75.5K EDGAR
2026-09-30 Alex E Washington III Director Award (A) +434 $160.72 $69.8K EDGAR
2026-09-30 Elizabeth H. Connelly Director Award (A) +412 $160.72 $66.2K EDGAR
2026-09-30 Peter D Crist Director Award (A) +616 $160.72 $99.0K EDGAR
2026-09-30 Marla F Glabe Director Award (A) +361 $160.72 $58.0K EDGAR
2026-08-21 Edward J Wehmer FOUNDER AND SENIOR ADVISOR Award (A) +218 $152.61 $33.3K EDGAR
2026-08-21 David A Dykstra VICE CHAIRMAN AND COO Award (A) +153 $152.61 $23.3K EDGAR
2026-08-18 Thomas P Zidar CHAIRMAN SR MKT HD WEALTH -MTG Gift (G) −1,000 — EDGAR
2026-08-13 David A Dykstra VICE CHAIRMAN AND COO Sell (S) −13,515 $162.77 -$2.20M EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

WTFC Insider Holdings

14 insiders · @ $144.08
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 David A Dykstra VICE CHAIRMAN AND COO 166,602 $24.00M -$2.78M 41 2026-08-21
2 Peter D Crist Director 76,253 $10.99M $0 19 2026-09-30
3 Thomas P Zidar CHAIRMAN SR MKT HD WEALTH -MTG 60,139 $8.66M $0 4 2026-08-18
4 Marla F Glabe Director 24,137 $3.48M $0 2 2026-09-30
5 Alex E Washington III Director 21,390 $3.08M $0 2 2026-09-30
6 Edward J Wehmer FOUNDER AND SENIOR ADVISOR 20,869 $3.01M -$2.45M 42 2026-08-21
7 Karin Gustafson Teglia Director 19,884 $2.86M $0 2 2026-09-30
8 Deborah L. Hall Lefevre Director 17,222 $2.48M $0 2 2026-09-30
9 Brian A Kenney Director 13,418 $1.93M $0 2 2026-09-30
10 Elizabeth H. Connelly Director 9,362 $1.35M $0 2 2026-09-30
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

WTFC Proposed Insider Sales (Form 144)

Latest: 2026-08-13
Last 30d: 0 filings  ·  Last 90d: 1 filing · $2.2M notice value · 1 unique filer

What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.

How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.

10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.

"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.

Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.

Top 90-day filers: DAVID A DYKSTRA (1, $2.2M)
Filed Filer Role Shares Notice Value Planned Sale Broker Plan Link
2026-08-13 DAVID A DYKSTRA OFFICER 13,515 $2.19M 2026-08-13 LPL Financial LLC — EDGAR
2026-05-04 MCKINNEY SUZET M Director 500 $74.5K 2026-05-04 Fidelity Brokerage Services LLC — EDGAR
2026-04-27 DYKSTRA DAVID A Officer 9,579 $1.43M 2026-04-27 Fidelity Brokerage Services LLC — EDGAR
2026-04-23 STOEHR DAVID L Officer 3,020 $454.4K 2026-04-23 Fidelity Brokerage Services LLC — EDGAR
2026-03-04 Hahnfeld Jeffrey D Officer 530 $77.2K 2026-03-04 Fidelity Brokerage Services LLC — EDGAR
2026-03-02 MURPHY RICHARD B Officer 3,979 $585.4K 2026-03-02 Fidelity Brokerage Services LLC — EDGAR
2026-02-04 Boege Kathleen M Officer 5,000 $798.0K 2026-02-04 Fidelity Brokerage Services LLC — EDGAR
2026-01-30 Lee David Eric Officer 558 $82.3K 2026-01-30 Fidelity Brokerage Services LLC — EDGAR
2026-01-29 Boege Kathleen M Officer 5,000 $731.9K 2026-01-29 Fidelity Brokerage Services LLC — EDGAR
2026-01-29 STOEHR DAVID L Officer 2,499 $365.3K 2026-01-29 Fidelity Brokerage Services LLC — EDGAR
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
Recent SEC Filings
Latest: 2026-05-29
Current reports — material events the company must disclose within 4 business days (earnings releases, M&A, executive changes, etc.).
Filing Date Accession Link
2026-05-29 0001015328-26-000016 EDGAR
2026-04-20 0001015328-26-000011 EDGAR
2026-01-20 0001015328-26-000004 EDGAR
2025-12-16 0001015328-25-000213 EDGAR
2025-12-08 0001015328-25-000211 EDGAR
2025-10-20 0001015328-25-000203 EDGAR
2025-10-02 0001015328-25-000194 EDGAR
2025-07-21 0001015328-25-000172 EDGAR
2025-07-16 0001104659-25-068365 EDGAR
2025-06-13 0001104659-25-059374 EDGAR
Annual report — audited financial statements, MD&A, risk factors. Filed 60–90 days after fiscal year-end.
Filing Date Accession Link
2026-02-26 0001015328-26-000007 EDGAR
2025-02-28 0001015328-25-000093 EDGAR
2024-02-28 0001015328-24-000083 EDGAR
2023-02-28 0001015328-23-000070 EDGAR
2022-02-25 0001015328-22-000057 EDGAR
2021-02-26 0001015328-21-000057 EDGAR
2020-02-28 0001015328-20-000067 EDGAR
2019-02-28 0001015328-19-000055 EDGAR
2018-02-28 0001015328-18-000080 EDGAR
Quarterly report — unaudited financials and MD&A. Filed 40–45 days after each of the first three fiscal quarters.
Filing Date Accession Link
2026-05-06 0001015328-26-000014 EDGAR
2025-11-06 0001015328-25-000207 EDGAR
2025-08-06 0001015328-25-000188 EDGAR
2025-05-05 0001015328-25-000130 EDGAR
2024-11-08 0001015328-24-000253 EDGAR
2024-08-08 0001015328-24-000187 EDGAR
2024-05-09 0001015328-24-000143 EDGAR
2023-11-08 0001015328-23-000204 EDGAR
2023-08-09 0001015328-23-000164 EDGAR
2023-05-09 0001015328-23-000117 EDGAR
ETF Holders
151 ETFs hold WTFC
25 shown · $2.14B total exposure · 0.25% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 IJH iShares Core S&P Mid-Cap ETF iShares (BlackRock) 0.28% $347.0M $121.3B 2026-10-15
2 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.01% $303.6M — 2026-09-30
3 VB Vanguard Morningstar Small-Cap ETF Vanguard 0.12% $215.4M — 2026-09-30
4 VBR Vanguard Morningstar Small-Cap Value ETF Vanguard 0.22% $140.2M — 2026-09-30
5 AIRR First Trust RBA American Industrial Renaissance® ETF First Trust 1.41% $120.8M $8.5B 2026-10-16
6 VXF Vanguard Extended Market ETF Vanguard 0.12% $107.5M — 2026-09-30
7 SDVY First Trust SMID Cap Rising Dividend Achievers ETF First Trust 0.87% $94.9M $11.0B 2026-10-16
8 DFSV Dimensional US Small Cap Value ETF Dimensional 0.34% $91.8M — 2026-10-15
9 DFAT Dimensional US Targeted Value ETF Dimensional 0.29% $87.0M — 2026-10-15
10 MDY State Street® SPDR® S&P MIDCAP 400® ETF Trust SPDR (State Street) 0.28% $72.5M $25.8B 2026-10-15
11 DFAS Dimensional US Small Cap ETF Dimensional 0.21% $72.4M — 2026-10-15
12 VIG Vanguard Dividend Appreciation ETF Vanguard 0.04% $54.1M — 2026-09-30
13 SPMD State Street® SPDR® Portfolio S&P 400™ Mid Cap ETF SPDR (State Street) 0.28% $52.1M $18.4B 2026-10-15
14 IJJ iShares S&P Mid-Cap 400 Value ETF iShares (BlackRock) 0.58% $49.4M $8.5B 2026-10-15
15 SCHA Schwab U.S. Small-Cap ETF Nport 0.21% $48.3M — 2026-05-31
16 IWR iShares Russell Mid-Cap ETF iShares (BlackRock) 0.07% $39.9M $56.3B 2026-10-15
17 VYM Vanguard High Dividend Yield ETF Vanguard 0.04% $38.3M — 2026-09-30
18 KRE State Street® SPDR® S&P® Regional Banking ETF SPDR (State Street) 1.11% $37.9M $3.4B 2026-10-15
19 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.04% $37.1M — 2026-10-15
20 SCHM Schwab U.S. Mid-Cap ETF Nport 0.19% $27.2M — 2026-05-31
21 PFF iShares Preferred and Income Securities ETF iShares (BlackRock) 0.22% $26.3M $12.0B 2026-10-15
22 IWD iShares Russell 1000 Value ETF iShares (BlackRock) 0.03% $21.2M $83.7B 2026-10-15
23 FNDA Schwab Fundamental U.S. Small Company ETF Nport 0.20% $17.7M — 2026-05-31
24 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.04% $17.5M — 2026-10-15
25 PGX Invesco Preferred ETF Invesco 0.45% $16.3M — 2026-10-17
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
12.08
TTM Diluted EPS
$11.93
TTM Revenue
$4.29B
TTM Net Income
$811.13M
TTM Op. Cash Flow
$1.72B
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q1 '262026-03-31$1.06B$219.02M$3.22$927.18M
Q4 '252025-12-31$1.09B$214.66M$3.15$251.66M
Q3 '252025-09-30$1.09B$188.91M$2.78$209.78M
Q2 '252025-06-30$1.04B$188.54M$2.78$329.16M
Q1 '252025-03-31$1.00B$182.05M$2.69$119.75M
Q4 '242024-12-31$1.03B$178.37M$2.64$490.82M
Q3 '242024-09-30$1.02B$163.01M$2.47$-61.63M
Q2 '242024-06-30$971.13M$145.40M$2.32$221.24M
Q1 '242024-03-31$946.09M$180.30M$2.89$71.12M
Q4 '232023-12-31$894.68M$116.49M$1.87$247.93M
Q3 '232023-09-30$874.88M$157.21M$2.53$88.26M
Q2 '232023-06-30$810.21M$147.76M$2.38$339.75M
Q1 2026 • period ending 2026-03-31 • filed 2026-05-06
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
12.08
P/B
1.33
P/S
2.28
EV/EBITDA
11.36
EV/Sales
3.09
ROE
11.0%
ROA
1.1%
Div Yield
1.85%
FCF Yield
17.55%
Debt/Equity
0.54
Current Ratio
—
Market Cap
$9.79B
as of 2026-10-16
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
2.95M
SI % of Float
4.42%
Days to Cover
6.48
Short Vol Ratio
65.7%
Free Float
66.74M
Float %
98.9%
Short interest 2026-09-30 • Short volume 2026-10-16 • Float 2026-08-24