What is the 13F Pro Quality Score for WTFC?

13F Pro ranks WINTRUST FINANCIAL CORP (WTFC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View WTFC's current score at https://13fpro.ai/research/WTFC (free sign-up required for the full ranking).

Which hedge funds own the most WTFC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of WTFC include BlackRock,, FMR, VANGUARD PORTFOLIO MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/WTFC as soon as new 13F filings post.

Where does 13F Pro source WTFC data?

All WINTRUST FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. WINTRUST FINANCIAL CORP files with the SEC under CIK 1015328. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is WTFC in?

WINTRUST FINANCIAL CORP (WTFC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is WTFC research updated on 13F Pro?

WTFC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

WINTRUST FINANCIAL CORP(WTFC)Stock Analysis

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13F Pro Quality Score

34.1/100

Rank #2,211 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

30.0/100

Profitability

30.0/100

Balance Sheet

45.3/100

Earnings Quality

54.9/100

Free Cash Flow

30.0/100

Institutional Flow

58.7/100

Revenue Scale

30.0/100

Dilution Risk

11.9/100

WTFC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for WINTRUST FINANCIAL CORP (WTFC), a Financials sector company. 13F Pro's AI-powered ranking engine scores WTFC at 34.1/100 on a 32-signal composite quality model, placing it at rank #2,211 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include revenue growth (30.0) and profitability (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 11.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), WINTRUST FINANCIAL CORP reports quarterly revenue of $713.2M, net income of $227.4M, an operating margin of 42.2%. Top institutional holders of WTFC by reported 13-F value include BlackRock,, FMR, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. WTFC trades on the Nasdaq exchange and files with the SEC under CIK 1015328. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate WTFC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for WINTRUST FINANCIAL CORP directly from SEC EDGAR. WINTRUST FINANCIAL CORP's 13F Pro composite quality score has ranged between 33 and 79 since 2021, currently 34.1 — a declining long-term trajectory across 28 quarterly and live scoring snapshots.

Revenue

Q1 2026

$713.2M

Net Income

Q1 2026

$227.4M

Free Cash Flow

Q1 2026

$927.2M

Operating Margin

Q1 2026

42.2%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+5.9% YoY

$265.6MFY 2025

FY22 $217.7MFY23 $220.4MFY24 $250.7MFY25 $265.6M

Net Income

+18.6% YoY

$824.0MFY 2025

FY22 $510.0MFY23 $623.0MFY24 $695.0MFY25 $824.0M

EPS (Diluted)

+10.6% YoY

$11.40FY 2025

FY22 $8.02FY23 $9.58FY24 $10.31FY25 $11.40

Total Assets

+9.7% YoY

$71.14BFY 2025

FY22 $52.95BFY23 $56.26BFY24 $64.88BFY25 $71.14B

Total Debt

—FY 2025

FY22 $17.6MFY23 $13.4MFY24 $0.00FY25 —

Op. Cash Flow

+26.2% YoY

$910.3MFY 2025

FY22 $1.38BFY23 $744.4MFY24 $721.6MFY25 $910.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$265.6M +5.9%	$250.7M +13.7%	$220.4M +1.3%	$217.7M +5.1%	$207.2M +21.8%	$170.1M
Net Income	$824.0M +18.6%	$695.0M +11.6%	$623.0M +22.2%	$510.0M +9.4%	$466.0M +59.0%	$293.0M
EPS (Diluted)	$11.40 +10.6%	$10.31 +7.6%	$9.58 +19.5%	$8.02 +5.8%	$7.58 +62.0%	$4.68
Total Assets	$71.14B +9.7%	$64.88B +15.3%	$56.26B +6.3%	$52.95B +5.6%	$50.14B +11.2%	$45.08B
Total Debt	—	$0.00 -100.0%	$13.4M -23.7%	$17.6M +91.5%	$9.2M -19.1%	$11.4M
Operating Cash Flow	$910.3M +26.2%	$721.6M -3.1%	$744.4M -45.9%	$1.38B +21.6%	$1.13B +318.1%	$-518.5M

AI Insight: WTFC Financial Trends

Net income has surged 49% from $152M in Q2 2024 to $227M in Q1 2026, with equity growing steadily to $7,378M.

• Net income rose every quarter from $152M in Q2 2024 to $227M in Q1 2026 — an unbroken eight-quarter streak.

• Equity expanded from $5,537M in Q2 2024 to $7,378M in Q1 2026, a gain of $1,841M over eight quarters.

• Operating cash flow is volatile: swinging from -$62M in Q3 2024 to $927M in Q1 2026, with no stable trend.

⚠ Revenue data disappears after Q3 2024, making margin and top-line growth impossible to assess beyond two quarters.

⚠ Equity dipped from $6,400M in Q3 2024 to $6,344M in Q4 2024 and again from $7,226M to $7,046M in Q3 2025 — watch for recurrence.

AI Insight: WTFC Ratio Trends

WTFC's ROA reached 1.3% and ROE held at 12.3% in Q1 2026, marking the strongest profitability readings in the dataset.

• ROE climbed from 10.6% in Q3 2024 to 12.3% in Q1 2026, recovering fully from its mid-cycle trough.

• ROA improved steadily from 1.0% in Q2 2024 to 1.3% in Q1 2026, signaling stronger asset-level earnings.

• ROIC troughed at 14.5% in Q3 2024, recovered to 16.8% in Q3 2025, and remained elevated at 16.3% in Q1 2026.

• D/E held at 0.00 across all quarters where reported, indicating minimal financial leverage.

⚠ OpMargin and NPM data are absent beyond Q3 2024, limiting visibility into revenue-cost dynamics in recent quarters.

⚠ ROE dipped to 10.8% in Q2 2025 before rebounding — monitor whether that soft patch re-emerges seasonally.

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Available Research

13F Pro tracks comprehensive data for WINTRUST FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of WTFC

BlackRock, Inc.
$874.8M6,296,593 sh
FMR LLC
$734.5M5,286,382 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$498.4M3,586,873 sh
VANGUARD CAPITAL MANAGEMENT LLC
$420.4M3,025,764 sh
DIMENSIONAL FUND ADVISORS LP
$375.4M2,701,984 sh
STATE STREET CORP
$359.3M2,586,355 sh
FIRST TRUST ADVISORS LP
$254.3M1,830,268 sh
EARNEST PARTNERS LLC
$194.6M1,400,634 sh
Invesco Ltd.
$190.2M1,368,735 sh
GEODE CAPITAL MANAGEMENT, LLC
$183.3M1,319,317 sh

Fund	Value	Shares
BlackRock, Inc.	$874.8M	6,296,593
FMR LLC	$734.5M	5,286,382
VANGUARD PORTFOLIO MANAGEMENT LLC	$498.4M	3,586,873
VANGUARD CAPITAL MANAGEMENT LLC	$420.4M	3,025,764
DIMENSIONAL FUND ADVISORS LP	$375.4M	2,701,984
STATE STREET CORP	$359.3M	2,586,355
FIRST TRUST ADVISORS LP	$254.3M	1,830,268
EARNEST PARTNERS LLC	$194.6M	1,400,634
Invesco Ltd.	$190.2M	1,368,735
GEODE CAPITAL MANAGEMENT, LLC	$183.3M	1,319,317

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Is WTFC a good stock to buy?

13F Pro's AI-powered analysis of WINTRUST FINANCIAL CORP (WTFC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for WTFC are available on the WTFC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own WTFC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling WTFC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of WINTRUST FINANCIAL CORP's investment landscape.