WTFC Wintrust Financial · $164.30 Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤 Terminal终端 ↗

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Wintrust Financial · Financials

WTFC

$164.30
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。
Financial金融股 Large cap大盘 $11B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (momentum is fading — the daily moment已错过筑底入场——低点已经形成，目前价格已拉伸（动量正在衰竭——日线动量已开始掉头向下）。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
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Key Statistics关键统计

Price价格
$164.30
1.6% below 52-week high低于52周高点 1.6%
Market Cap市值
$11B
Normal volume正常成交量
P/E Ratio市盈率
13.3x
15.0x sector median
Beta贝塔
0.90
Moves about 0.9x the market波动幅度约为市场的 0.9 倍
RSI (14)RSI（14）
61
Elevated偏高
Next Earnings下次财报
2026-07-20 (1d)
Volatility Rank波动率分位
12th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
3.7% of float

Performance价格表现

Period周期 WTFC S&P 500vs Index对比指数
1 Week近1周 +1.7% -1.5% Beat the index by 3.2 points跑赢指数 3.2 个百分点
1 Month近1月 +6.7% +0.6% Beat the index by 6.1 points跑赢指数 6.1 个百分点
3 Months近3月 +11.3% +4.7% Beat the index by 6.6 points跑赢指数 6.6 个百分点
6 Months近6月 +13.4% +7.8% Beat the index by 5.6 points跑赢指数 5.6 个百分点
Year to date年初至今 +16.0% +9.1% Beat the index by 6.9 points跑赢指数 6.9 个百分点
1 Year近1年 +25.1% +19.4% Beat the index by 5.7 points跑赢指数 5.7 个百分点
3 Years近3年 +112.1% +69.4% Beat the index by 42.7 points跑赢指数 42.7 个百分点

Technicals技术面

RSI (14)RSI（14） 61 Elevated偏高
vs 50-day相对50日均线 +6.0% vs 50-day avg
vs 200-day相对200日均线 +14.8% vs 200-day avg
Volatility rank波动率分位 12th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$161.70
Don't chase above不追高于
$164.30
Stop止损
$154.00
Extended — wait for a pullback过度拉伸 — 等待回撤

Earnings财务业绩

1
days until next report天后公布财报
2026-07-20

Estimates being raised — 11 analysts预期上调 — 11 位分析师

Earnings call transcripts — coming soon财报电话会议记录 — 即将上线

Valuation估值

Multiple指标 WTFC Sector median行业中位 Cheaper than相对便宜
P/E (trailing)市盈率（历史） 13.35x 14.99
63%
P/B市净率 1.52x 1.52
50%
P/S市销率 41.43x 2.87
6%
Earnings yield盈利收益率 7.49% 6.58
65%
Analyst price targets — coming soon分析师目标价 — 即将上线

Financials财务数据

Revenue营业收入
$170.1M
2020
$207.2M
2021
$217.7M
2022
$220.4M
2023
$250.7M
2024
$265.6M
2025
5yr CAGR5年复合增速: 9.3%
Earnings Per Share每股收益
$4.68
2020
$7.58
2021
$8.02
2022
$9.58
2023
$10.31
2024
$11.40
2025
5yr CAGR5年复合增速: 19.5%
Free Cash Flow自由现金流
-$582.1M
2020
$1.1B
2021
$1.3B
2022
$698.0M
2023
$635.5M
2024
$860.4M
2025
Margins利润率
Net margin净利率
310.2%
FCF margin自由现金流利润率
342.7%
11.4%Return on Equity股本回报率
1.2%Return on Assets资产回报率
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%
Piotroski皮奥特罗斯基 4/6 Watch关注

Snapshot Gauges综合指标

Valuation vs Sector估值相对行业
Roughly fair vs sector相对行业估值合理
Cheaper than 40% of its sector on blended multiples综合估值倍数低于行业内 40% 的公司
Beta市场敏感度
0.90×
0.21×3×
Moves about 0.9× the market波动幅度约为市场的 0.9 倍
Financial Health财务健康
4/6
Weak financial health财务健康状况偏弱
Dividend分红
—
Does not pay a dividend不派发股息

Why Is It Moving为何波动

Sector / Theme行业/主题 Regional Banks theme — #4 of 46 themes「区域银行」主题 — 46 个主题中第 4 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 took relative-strength leadershipWTFC 取得相对强弱领先

Options Positioning期权持仓

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%
Call wall看涨密集区
$170
Gamma flip伽玛翻转
$127
25d risk reversal25d风险逆转
-38.2%
Flow资金流向

$0M premium traded; 0% 0DTE; P/C 0.0; net new PUT positioning (defensive / hedging) (ΔOI +12)成交权利金 $0M；0DTE占0%；看跌看涨比 0.0；净新增看跌持仓（防御/对冲）（ΔOI +12）

Skew: 偏斜：balanced

Ownership & Smart Money持仓与聪明钱

Insider activity内部人员活动: -$3.2M net (0 buyers, 5 sellers)-$3.2M 净值（0 买家，5 卖家）

Signal History信号历史

BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS. A daily bottoming setup did fire (swing low in, momentum turned up), but it's LATE — price is already extended above the cycle low (formed ~20 day(s) ago @ 153.96) and momentum is fading — the daily momentum is already rolling over. A momentum cross is a LAGGING confirmation: after a vertical run it only triggers once the move is mature, so the bottoming entry has already passed. This is a chase, not a fresh buy止盈。日线筑底形态确实已经触发（摆动低点出现、动量转向上行），但为时已晚——价格已显著高于周期低点（约 20 天前形成 @ 153.96）且动量正在衰竭——日线动量已开始掉头向下。动量交叉属于滞后确认：在垂直拉升之后，只有当走势已经成熟时才会触发，因此筑底入场早已错过。这是追高，而非新的买入
TOP WATCH NEARING A HIGH
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。
Jul 2, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈

Showing last 15 of显示最近15条，共 245 signals条信号

Factor Profile因子特征

Composite factor score综合因子得分: 0.08
Value价值
+0.3
Quality质量
-0.7
Investment资本投入
-0.1
Low volatility低波动
+0.8
Low market beta低市场敏感度
-0.1
Earnings quality盈利质量
-0.8
Short interest空头兴趣
+0.2

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。
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