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
151.27 USD
Price as of 6 Nov 2026Daily close, not a live quote
Screened 2026-11-06 · the tape above runs as of 02:03 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price151.27 USD at the 6 Nov 2026 close
Our value readUndervalued vs our fair value, as of 6 Nov 2026
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.11, read 2026-11-03
Ethical does not pass the values gate
Price151.27 USD
Fair value187.89
Ethical score30.0/100
Value readUndervaluedas of 6 Nov 2026
Our investment reviews on this name
2026-10-26Read Accumulation144.08+5.0% to today ✓Markdown gives way to Accumulation
2026-09-17Read Markdown150.75+0.3% to today Accumulation gives way to Markdown after a 5% slide in 4 weeks
2026-08-18Read Accumulation159.13-4.9% to today Markdown gives way to Accumulation
2026-07-02Read Markdown159.26-5.0% to today ✓First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Wintrust Financial Corp holds its Accumulation at $151.27. Consolidating, no directional conviction, held for 341 days.
As held on the ledger · 2026-11-06
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 341 days
Price at the screen
$151.27
Valuation
11.91 trailing · 10.96 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.86
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.
The Ethical Read
Why It Falls Short, in Plain English
Wintrust Financial does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-07. It updates when the underlying figures move, and past reads are kept below.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Undervalued vs our fair value, as of 6 Nov 2026: it trades at roughly a 19% discount to our $187.89 fair value, narrow competitive moat, 8.20% revenue growth.
Fair value range in USD, drawn from the 2026-11-06 screen. The gold marker is the market price at the same screen. A 19.5% discount to the base estimate.
Where our models see it going: fair-value estimate $187.89, with a range of $149.46 to $249.10, dated to the 2026-11-06 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.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
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
2026-11-02Accumulation$152.38+5.8%Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 5.8% 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 2% 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. Insiders have been net sellers over the past quarter.
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 0.0% 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 C, carrying a low risk profile. Technically it is holding around 2% 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.
2026-10-19Markdown$144.08+0.0%Entry 14
The analysis 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 C, carrying a low risk profile. Technically it is holding around 4% above its long-term trend line with momentum reading neutral. 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. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-18Markdown$144.08+0.0%Entry 13
The analysis 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 C, 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. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-17Markdown$144.08+2.2%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 2.2% 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 C, 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. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-16Markdown$141.02-1.6%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 1.6% 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 C, 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. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-15Markdown$143.25+0.0%Entry 10
The analysis 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 C, 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. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Markdown$143.25+0.0%Entry 9
The analysis 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 C, 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. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-13Markdown$143.25+0.0%Entry 8
The analysis 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 C, 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. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-12Markdown$143.25-0.2%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.2% 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 C, 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. It reported earnings in this window, a natural checkpoint for the thesis.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
