Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States.
FAIL · Does not pass the screen
150.75 USD
At the last full screen 2026-09-10
Screened 2026-09-10 · the tape above runs as of 23:00 UTC · 20 Sep · two dates, stated on purpose · verdict and workings shown in full · never trimmed
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 150.75 against the desk's fair-value range, base estimate 195.00, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price150.75 USD
Fair value195.00
Ethical score30.0/100
Our investment reviews on this name
2026-09-17Read Markdown150.75+0.0% to today
2026-08-18Read Accumulation159.13-5.3% to today
2026-07-02Read Markdown159.26-5.3% to today ✓
Our analytic regime reads on this name, dated and marked against today's price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Wintrust Financial Corp holds its Markdown at $150.75. The statistical read favours the sellers, held for 269 days.
As held on the ledger · 2026-09-10
Phase
Markdown · caution
Quantitative state
The statistical read favours the sellers, held for 269 days
Price at the screen
$150.75
Valuation
12.10 trailing · 10.91 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.83
The Workings
Five Screens, Shown in Full
Does not pass. Excluded industry: Banks - Regional
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Excluded industry: Banks - Regional
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-10 screen. The gold marker is the market price at the same screen. A 29.4% margin of safety to the base estimate.
Third-party analyst targets: 14 covering, consensus Buy. The average target sits +21% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-10 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Banks hit our ethical line first
Picture a local lender handing out mortgages and small-business loans across the Midwest. Wintrust looks solid on paper with 10% revenue growth, a 32% profit margin and a forward P/E of 11.9x. None of that matters once the ethical screen flags the entire regional-banks sector as excluded.
We pass without hesitation. The screen exists to keep us out of industries whose core activity conflicts with our standards, and banks sit squarely inside that boundary. A narrow moat and 12% ROE do not change the call.
Valuation sits below our internal fair value, yet the ethical block overrides any margin-of-safety calculation. Currency or credit cycles could still swing results sharply, but the industry exclusion is the decisive factor. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
WTFC trades on NASDAQ. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-09-17Markdown · changed$150.75-5.3%Entry 5
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 5.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 28%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (12 analysts) rates it none, with a mean price target of $175.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 28%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (12 analysts) rates it none, with a mean price target of $175.
2026-07-18Markdown$159.26+0.0%Entry 3
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 28%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (12 analysts) rates it none, with a mean price target of $175.
2026-07-03Markdown$159.26+0.0%Entry 2
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Markdown$159.26Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
