Stocks股票 / Financials / WTFC
Wintrust Financial · Financials
WTFC US listed · USD美股 · 美元
Wintrust is a financial holding company in the United States that operates 15 chartered community banks in northern Illinois and southern Wisconsin. Wintrust is usually classified as a medium-sized banking institution in the United States and it trades on the...Wintrust 是一家美国金融控股公司，在伊利诺伊州北部和威斯康星州南部运营15家特许社区银行。Wintrust 通常被归类为美国中型银行机构，并在纳斯达克全球精选市场交易，股票代码为 WTFC。
Large cap大盘 · $11B
Financial金融股
Financials
S&P 400标普400中盘
$163.66
-$0.64 · -0.39%
52w low52周低 $117high高 $169
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
Stretched/late — protect gains and don't start new positions; let the next low set up first.已拉伸／晚期——保护利润，不要新开仓；先等下一个低点构筑成形。
Engine read引擎解读 · 2026-07-21
Price chart价格图表
daily · interactive日线 · 可交互
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Candles, volume and moving averages — pan and zoom inside the chart.蜡烛图、成交量与均线 — 图内可缩放拖动。
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Technicals技术面
daily bars日线数据 · 2026-07-21
Momentum (RSI 14)动量（RSI 14）
59
Neutral zone中性区域
vs 50-day average相对50日均线
+5.5% above上方
Uptrend intact趋势完好
vs 200-day average相对200日均线
+14.2% above上方
Long trend up长期向上
Volatility波动率
13th percentile第13百分位
These readings feed the stance at the top — one source per number, refreshed nightly.以上读数构成页首的引擎立场 — 每个数字只有一个来源，每晚更新。
Earnings财务业绩
next report下次财报 2026-07-200days to go天后公布
Estimates being raised — 11 analysts预期上调 — 11 位分析师
Valuation估值
Roughly fair vs sector相对行业估值合理| Multiple指标 | WTFC | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 13.30x | 14.95 | |
| P/B市净率 | 1.51x | 1.51 | |
| P/S市销率 | 41.26x | 2.84 | |
| Earnings yield盈利收益率 | 7.52% | 6.65 |
"Cheaper than" = share of sector peers trading richer on that multiple.「相对便宜」= 行业中该指标估值更高的同行占比。
Financials财务数据
fiscal years财年Revenue营业收入
5-yr growth5年复合增速 9.3%
Earnings per share每股收益
5-yr growth5年复合增速 19.5%
Free cash flow自由现金流
Net margin净利率
310.2%
FCF margin自由现金流利润率
342.7%
Balance-sheet quality财务体质 4/6
Return on equity股本回报率 11%
Watch关注
Capital allocation资本配置
Stock-based comp股权薪酬$41.6M
Share count change (1y)股数变化（1年）+0.7%
Why is it moving为何波动
6 checks · nightly六项检查 · 每晚
Sector / Theme行业/主题
Regional Banks theme — #5 of 46 themes「区域银行」主题 — 46 个主题中第 5 位
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
WTFC daily MACD crossed downWTFC 日线MACD下穿
Options positioning期权持仓
as of last close截至上一收盘Market makers are net long gamma — price pinned near current level做市商净持有正伽玛，价格倾向于在当前水平附近震荡
Expected daily move预期日波动
±1.83%
Expected weekly move预期周波动
±4.09%
Gamma flip伽玛翻转位
$127
25d risk reversal25d风险逆转
-38.2%
Flow:资金流向： $0M premium traded; 41% 0DTE; 2 fresh positions; P/C 0.02; net new PUT positioning (defensive / hedging) (ΔOI +12); ~leans bullish (direction approx)成交权利金 $0M；0DTE占41%；2个新建仓；看跌看涨比 0.02；净新增看跌持仓（防御/对冲）（ΔOI +12）；≈偏看涨（方向近似）
Skew: balanced偏斜：balanced
Call and put walls are plotted on the Trade levels ladder →看涨/看跌期权墙已标注在「交易点位」阶梯上 →
Ownership & smart money持仓与聪明钱
13FInsider activity:内部人动向： -$3.2M net (0 buyers, 5 sellers)-$3.2M 净值（0 买家，5 卖家）
Signal history信号历史
engine events引擎事件
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS. Late in the daily cycle (day 43 of ~23-44) — odds favor a dip into the next cycle low from here even with the trend intact止盈。处于日线周期晚期（约 23-44 天中的第 43 天）——即便趋势完好，从此处概率上仍倾向于回落至下一个周期低点
Jul 20, 2026
WTFC daily MACD crossed downWTFC 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $163.66.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$163.66。
Jul 16, 2026
WTFC took relative-strength leadershipWTFC 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $166.90.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$166.90。
Jul 16, 2026
WTFC made a new 52-week highWTFC 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $166.90.价格创出52周新高 — 全市场关注的动量/趋势极值。$166.90。
Jul 16, 2026
WTFC daily MACD crossed upWTFC 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $166.90.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$166.90。
Jul 13, 2026
WTFC took relative-strength leadershipWTFC 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $161.50.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$161.50。
Jul 9, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 8, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 8, 2026
WTFC daily MACD crossed downWTFC 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $158.42.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$158.42。
Jul 7, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 6, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 6, 2026
WTFC made a new 52-week highWTFC 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $162.79.价格创出52周新高 — 全市场关注的动量/趋势极值。$162.79。
Showing the last 15 of显示最近15条，共 245 signals条信号
Company profile公司档案
Wintrust is a financial holding company in the United States that operates 15 chartered community banks in northern Illinois and southern Wisconsin. Wintrust is usually classified as a medium-sized banking institution in the United States and it trades on the...Wintrust 是一家美国金融控股公司，在伊利诺伊州北部和威斯康星州南部运营15家特许社区银行。Wintrust 通常被归类为美国中型银行机构，并在纳斯达克全球精选市场交易，股票代码为 WTFC。
Style DNA — how it trades vs the market风格基因 — 相对市场的交易特征
Value价值
Below market低于市场
Quality质量
Below market低于市场
Investment资本投入
Below market低于市场
Low volatility低波动
Above market高于市场
Low market beta低市场敏感度
Below market低于市场
Earnings quality盈利质量
Above market高于市场
Short interest空头兴趣
Below market低于市场
The whole US universe — S&P 1500 and Russell 2000 — read nightly.覆盖标普1500与罗素2000全部成分股 — 每晚更新解读。
Signals, options positioning, smart-money moves and factor DNA — the same engine that wrote this page covers 2,700+ US stocks.信号、期权持仓、聪明钱动向与因子基因 — 撰写本页的引擎覆盖2700多只美股。
Statistics — full detail统计数据 — 完整明细
Valuation vs sector估值对比行业
| Multiple指标 | This stock本股 | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（静态） | 13.3× | 14.9× | 62% |
| Price / Book市净率 | 1.5× | 1.5× | 50% |
| Price / Sales市销率 | 41.3× | 2.8× | 6% |
| Earnings yield盈利收益率 | 7.5% | 6.7% | 64% |
| Free-cash-flow yield自由现金流收益率 | 8.3% | 8.2% | 51% |
Relative strength相对强度
vs market, 1 month相对大盘（1个月）
63/100 — middle of the pack居中
vs market, 3 months相对大盘（3个月）
63/100 — middle of the pack居中
vs market, 6 months相对大盘（6个月）
58/100 — middle of the pack居中
vs market, 12 months相对大盘（12个月）
56/100 — middle of the pack居中
Rank in sector行业内排名
#72 / 252
0–100 percentile of total return vs all covered stocks.总回报在全部覆盖股票中的百分位（0–100）。
Price history价格历史
| Period周期 | This stock本股 | S&P 500标普500 |
|---|---|---|
| 1 Week近1周 | +1.3% | -0.9% |
| 1 Month近1月 | +6.2% | -0.6% |
| 3 Months近3月 | +9.3% | +5.4% |
| 6 Months近6月 | +8.8% | +8.6% |
| Year to date年初至今 | +15.6% | +8.9% |
| 1 Year近1年 | +23.9% | +19.2% |
| 3 Years近3年 | +107.1% | +69.9% |
Trading information交易信息
Beta vs market贝塔
0.90
Volatility rank波动率分位
13th pctile
Short interest空头占比
3.7% of float
Market cap市值
$11B
EPS (trailing)每股收益
$12.30
Off 52-week high距52周高点
-1.9%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Financials — full detail财务数据 — 完整明细
Multi-year record多年财务记录
| 20202020 | 20212021 | 20222022 | 20232023 | 20242024 | 20252025 | |
|---|---|---|---|---|---|---|
| Revenue营业收入 | $170M | $207M | $218M | $220M | $251M | $266M |
| EPS每股收益 | $4.68 | $7.58 | $8.02 | $9.58 | $10.31 | $11.40 |
| Free cash flow自由现金流 | $-582M | $1.1B | $1.3B | $698M | $636M | $860M |
| Gross margin毛利率 | — | — | — | — | — | — |
| Net margin净利率 | 172.2% | 225.0% | 234.1% | 282.4% | 277.2% | 310.1% |
| FCF margin自由现金流利润率 | -342.2% | 518.3% | 607.0% | 316.6% | 253.5% | 323.9% |
Latest fiscal year最近财年
Revenue (FY)营业收入（财年）
$266M
Net income净利润
$824M
Operating cash flow经营现金流
$910M
Total assets总资产
$71.1B
Shareholder equity股东权益
$7.3B
Shares outstanding总股本
0.07B
Returns & growth回报与增长
Return on equity股本回报率
11.4%
Return on assets资产回报率
1.2%
Profit growth利润增速
+18.6%
Asset growth资产增速
+9.7%
Accounting quality checks会计质量检查
- Earnings quality: accruals elevated vs peers (earnings lean on non-cash items)盈利质量：应计利润高于同业（盈利依赖非现金项目）
- Capital discipline: share count +18.0% over 6 years (dilution)资本纪律：股本 6 年增加 18.0%（稀释）
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Technicals — full detail技术面 — 完整明细
Indicator readings指标读数
RSI (14-day)RSI（14日）
59
RSI (2-day)RSI（2日）
38
vs 20-day average相对20日均线
+1.4%
vs 50-day average相对50日均线
+5.5%
vs 200-day average相对200日均线
+14.2%
Golden cross (50>200)金叉（50>200）
in effect生效中
MACDMACD
below signal位于信号线下方
Timeframe alignment多周期共振
Daily日线
momentum down — fresh downturn动能向下——刚刚转弱
3-day3日线
momentum up动能向上
Weekly周线
momentum up动能向上
When daily through monthly point the same way, moves carry further.当日线到月线方向一致时，行情往往更有延续性。
Volatility regime波动状态
Range state波幅状态
CompressedCOMPRESSED
Days compressed已压缩天数
1
Range width percentile波幅宽度分位
12/100
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Earnings — full detail财务业绩 — 完整明细
Estimate revisions预期修正
Analysts covering覆盖分析师
11
Estimate direction预期调整方向
mostly raising多数上调
Estimate change, 90 days预期变化（90天）
+3.0%
Net upgrades, 30 days净上调（30天）
+9
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Options — full detail期权持仓 — 完整明细
Dealer positioning map做市商持仓地图
Call wall看涨期权墙
$170
Gamma flip伽玛翻转位
$127
Upside magnet上方磁吸位
$170
Downside magnet下方磁吸位
$165
Net dealer gamma做市商净伽玛
+$0.0B
Distance to flip距翻转位
+23.8%
Walls and magnets are strikes with heavy open interest — price often slows or gravitates there.期权墙与磁吸位是未平仓集中的行权价 — 价格常在附近减速或被吸引。
Volatility pricing波动率定价
Implied volatility (30d)隐含波动率（30天）
0%
25-delta risk reversal25-delta风险逆转
-38.2%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Ownership — full detail持仓 — 完整明细
Insiders & shorts内部人与空头
Insider net buying (6 months)内部人净买入（6个月）
-$3.2M
Insider buyers vs sellers内部人买家vs卖家
0 : 5
Short interest空头占流通盘
3.7%
Days to cover回补天数
4.1
Short interest change空头变化
-5.0%
Recent fund flows近期基金流向
SPDR S&P Regional BankingSPDR S&P Regional Banking
trimming减持
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Seasonality — full detail季节性 — 完整明细
Strongest month最强月份
Jan · 100%
Weakest month最弱月份
Sep · 0%
Month by month逐月统计
| Month月份 | Closed higher收涨占比 | Median move中位涨跌 | Years年数 |
|---|---|---|---|
| Jan1月 | 100% | +5.0% | 3 |
| Feb2月 | 33% | -1.5% | 3 |
| Mar3月 | 33% | -3.3% | 3 |
| Apr4月 | 67% | +0.8% | 3 |
| May5月 | 100% | +2.6% | 3 |
| Jun6月 | 100% | +3.9% | 4 |
| Jul7月 | 100% | +9.9% | 4 |
| Aug8月 | 67% | +1.5% | 3 |
| Sep9月 | 0% | -2.5% | 3 |
| Oct10月 | 33% | -0.8% | 3 |
| Nov11月 | 100% | +14.7% | 3 |
| Dec12月 | 67% | +4.4% | 3 |
History is a tendency, not a promise — small samples wobble.历史规律只是倾向而非保证 — 样本少时波动大。
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。