WTFC
Wintrust Financial Corporation Financial Services - Banking Investor Relations →
Wintrust Financial Corporation (WTFC) closed at $149.57 as of 2026-05-01, trading 46.2% above its 200-week moving average of $102.31. The stock moved further from the line this week, up from 45.1% last week. The 14-week RSI sits at 53, indicating neutral momentum.
Trading volume is running at 1.0x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.01 ratio) is neutral — neither side is clearly dominating.
Over the past 1415 weeks of data, WTFC has crossed below its 200-week moving average 20 times. On average, these episodes lasted 18 weeks. Historically, investors who bought WTFC at the start of these episodes saw an average one-year return of +9.5%.
With a market cap of $10.1 billion, WTFC is a large-cap stock. Return on equity stands at 12.3%. The stock trades at 1.5x book value.
Share count has increased 10.2% over three years, indicating dilution.
Over the past 27.2 years, a hypothetical investment of $100 in WTFC would have grown to $1655, compared to $901 for the S&P 500. That represents an annualized return of 10.9% vs 8.4% for the index — confirming WTFC as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -13.3% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: WTFC vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After WTFC Crosses Below the Line?
Across 20 historical episodes, buying WTFC when it crossed below its 200-week moving average produced an average return of +8.8% after 12 months (median +4.0%), compared to +15.6% for the S&P 500 over the same periods. 50% of those episodes were profitable after one year. After 24 months, the average return was +32.4% vs +29.6% for the index.
Each line shows $100 invested at the moment WTFC crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
WTFC has crossed below its 200-week MA 20 times with an average 1-year return of +9.5% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Mar 1999 | May 1999 | 7 | 6.2% | -18.6% | +1520.6% |
| May 1999 | Jan 2001 | 85 | 25.8% | -18.4% | +1471.5% |
| Nov 2006 | Dec 2006 | 4 | 1.7% | -24.6% | +298.1% |
| Jan 2007 | Jan 2010 | 157 | 74.8% | -35.5% | +302.0% |
| Feb 2010 | Feb 2010 | 2 | 6.3% | +7.2% | +480.1% |
| Jul 2010 | Sep 2010 | 8 | 9.5% | +10.4% | +480.7% |
| Oct 2010 | Nov 2010 | 2 | 2.0% | -4.2% | +488.6% |
| Nov 2010 | Nov 2010 | 2 | 4.1% | -6.2% | +503.8% |
| Aug 2011 | Aug 2011 | 2 | 2.5% | +32.4% | +546.4% |
| Sep 2011 | Oct 2011 | 3 | 8.4% | +43.5% | +573.0% |
| Nov 2011 | Nov 2011 | 2 | 8.1% | +28.2% | +543.7% |
| Dec 2011 | Dec 2011 | 1 | 2.0% | +31.3% | +554.3% |
| Jan 2016 | Feb 2016 | 5 | 6.6% | +75.6% | +328.5% |
| Apr 2016 | Apr 2016 | 1 | 0.9% | +60.4% | +305.8% |
| Dec 2018 | Dec 2018 | 1 | 1.2% | +12.4% | +162.5% |
| Mar 2019 | Mar 2019 | 1 | 3.7% | -51.7% | +163.1% |
| Jul 2019 | Dec 2019 | 22 | 9.9% | -36.3% | +152.4% |
| Jan 2020 | Feb 2021 | 57 | 56.7% | -3.5% | +143.4% |
| Apr 2023 | Jun 2023 | 6 | 13.0% | +47.9% | +130.7% |
| Jun 2023 | Jun 2023 | 1 | 1.5% | +39.3% | +127.9% |
| Average | 18 | — | +9.5% | — |
Frequently Asked Questions
Is WTFC below its 200-week moving average?
No. Wintrust Financial Corporation (WTFC) is currently 46.2% above its 200-week moving average of $102.31. It would need to fall to $102.31 to cross below the line.
What is WTFC's 200-week moving average price?
Wintrust Financial Corporation's 200-week moving average is $102.31 as of 2026-05-01. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when WTFC drops below its 200-week moving average?
WTFC has crossed below its 200-week moving average 20 times in our data. On average, buying at that moment produced a one-year return of +9.5%. These dips have historically been decent entry points. These episodes lasted 18 weeks on average.
Is WTFC a good value right now?
Here's what our data says about WTFC as of 2026-05-01: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 53. Return on equity is 12.3%. Price-to-book is 1.5x. This is not a buy or sell recommendation — always do your own research.
How does WTFC compare to the S&P 500?
Over the past 27.2 years, $100 invested in WTFC would have grown to $1655, compared to $901 for the S&P 500. That's 10.9% annualized vs 8.4% for the index. WTFC has outperformed the broader market over this period.
Does WTFC pay a dividend?
Yes. Wintrust Financial Corporation currently pays a dividend yield of 140.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-05-01