Wintrust Financial
WTFCMarket price data through October 23, 2026.
Performance
Oct 2021 – Oct 2026
Track record
How this pick has done since Benson first called it.
- Benson Return
- +3%
- How much this stock is up since Benson first picked it — measured from the price at the time of that first pick, not from today.
- First pick price
- ~$147
- Roughly what one share cost when Benson first picked this stock. This is the starting line for the Benson Return.
- Tracking since
- May 2026
- The month this stock first became a Benson pick.
- Tracking duration
- 5 months
- How long Benson has been tracking this pick.
About Wintrust Financial
Wintrust is a Chicago-based bank with a clever twist. Instead of running one big bank, it runs a group of separately chartered community banks across the Chicago area and Wisconsin. That lets one customer spread deposits around and get far more federal deposit insurance than normal. It also runs a business that lends companies money to pay their insurance bills, plus a wealth management arm, and it just earned a record 239.1 million dollars in the third quarter.
The case for and against
Both sides of the story, in plain English.
- Record Run
Wintrust just posted its seventh quarter in a row of record profit, earning 239.1 million dollars in the third quarter. Profit for the first nine months reached 700.1 million dollars, up 17 percent from 600.8 million dollars a year earlier. This bank keeps getting more profitable every quarter.
- Growth Engine
What Wintrust earns from lending, after paying its savers, climbed to 621.6 million dollars, up 24.2 million dollars from last quarter. In just three months, customers borrowed 1.1 billion dollars more and deposited 1.3 billion dollars more, and management sees steady loan demand heading into year end. Its business that lends companies money for insurance bills made about 5.4 billion dollars of new loans this quarter.
- Rising Write-Offs
Loans Wintrust had to write off as lost rose to 21.0 million dollars this quarter, up from 13.4 million dollars last quarter. It also set aside 25.9 million dollars to cover future losses, and management said the outlook for jobs and business confidence is uncertain. Bad loans are still small at 0.31 percent of everything it lends, but this is the number to watch if the economy cools.
- Fading Fees
Money from fees and side services fell to 136.3 million dollars from 141.3 million dollars last quarter, and mortgage revenue slipped to 25.5 million dollars. Its profit margin on lending also dipped slightly to 3.49 percent, so almost all the growth is coming from simply getting bigger. If loan growth slows, not much else is pushing profits higher.
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How to read this page
This automated research summary uses Financial Modeling Prep market data through 2026-10-23. Model signals, scores, and risk labels can change and may be incomplete or wrong.
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