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Wintrust FinancialWTFC +0.54%79 Debt-to-Equity is 0.64 as of Mar. 2026, which is 12% above its 10-year median of 0.57. GuruFocus rates WTFC with a GF Score™ of 79/100 and a GF Value™ of $124.84 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 1,422 Banks companies, Wintrust Financial ranks worse than 50.56% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Wintrust Financial's Debt-to-Equity or its related term are showing as below:
WTFC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.28 Med: 0.57 Max: 0.78
Current: 0.58
During the past 13 years, the highest Debt-to-Equity Ratio of Wintrust Financial was 0.78. The lowest was 0.28. And the median was 0.57.
WTFC's Debt-to-Equity is ranked worse than 50.56% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs WTFC: 0.58
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Wintrust Financial Debt-to-Equity Related Terms
Wintrust Financial Debt-to-Equity Historical Data
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The historical data trend for Wintrust Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
WTFC vs UMBF, BPOP, ZION: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Wintrust Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Wintrust Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Wintrust Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Wintrust Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Wintrust Financial (WTFC) has a Debt-to-Equity of 0.64 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Wintrust Financial and its competitors. This is 12% above median its historical median of 0.57. Over the past decade, Wintrust Financial's Debt-to-Equity has ranged from 0.28 to 0.78. According to the industry distribution chart, Wintrust Financial ranks #719 out of 1422 companies in the Banks industry, placing it in the top 50.6%.
Is Wintrust Financial's Debt-to-Equity too high?
Wintrust Financial's current Debt-to-Equity of 0.64 is 12% above median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.78. The Banks industry median Debt-to-Equity is 0.57. Wintrust Financial's value of 0.64 is 12.3% above this industry median. Based on the distribution chart, Wintrust Financial ranks #719 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Wintrust Financial has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Wintrust Financial's Debt-to-Equity compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #719 out of 1422 companies for Debt-to-Equity. This places Wintrust Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Wintrust Financial's value of 0.64 is 12.3% above this benchmark. Historically, Wintrust Financial's own Debt-to-Equity has ranged from 0.28 to 0.78 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 0.57, Wintrust Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wintrust Financial's current Debt-to-Equity of 0.64 is 12.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Wintrust Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wintrust Financial's current Debt-to-Equity is 0.64, which is 12% above median its own 10-year median of 0.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wintrust Financial stock overvalued right now?
Based on GuruFocus' analysis, Wintrust Financial (WTFC) is currently considered Modestly Overvalued. The stock's GF Value™ is $124.84, compared to a current price of $158.66 — trading 27.1% above its estimated fair value. The current Debt-to-Equity is 0.64, which is 12% above median its 10-year median of 0.57 and 12.3% above the Banks industry median of 0.57. Wintrust Financial's overall GF Score™ is 79/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Wintrust Financial (WTFC), the current Debt-to-Equity is 0.64 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Wintrust Financial (WTFC) Overvalued in 2026?
Based on GuruFocus' analysis, Wintrust Financial stock appears to be overvalued.
The current stock price of $158.66 is trading 27.1% above its estimated GF Value™ of $124.84.
GuruFocus considers Wintrust Financial to be Modestly Overvalued.
Key valuation signals for WTFC:
Debt-to-Equity: 0.64 (12% above median its 10-year median of 0.57)
GF Value™: $124.84 vs. price of $158.66 (27.1% above fair value)
Industry Position: 12.3% above the Banks median (#719 of 1422)
No single metric tells the full story. See the WTFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Wintrust Financial Corp is a financial holding company that provides community-oriented, personal, and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and western Michigan. The company provides specialty finance services, including financing for the payment of property and casualty insurance premiums and life insurance premiums, and wealth management services to customers in its market area. Its operations consist of three primary segments: community banking, specialty finance, and wealth management. The company generates the majority of its revenue from the community banking segment.
79GF Score
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