Wintrust Financial (STU:WF2) E10: €7.38 (As of Mar. 2026)


STU:WF2 Wintrust Financial Corp STU:WF2
79 GF Score
Price €140.00
GF Value €109.10
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Wintrust Financial E10?

Wintrust Financial STU:WF2 -2.10% 79 E10 is €7.38 as of Mar. 2026. GuruFocus rates STU:WF2 with a GF Score™ of 79/100 and a GF Value™ of €109.10 (Modestly Overvalued). The stock has 9 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Wintrust Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was €2.785. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €7.38 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Wintrust Financial's average E10 Growth Rate was 13.70% per year. During the past 3 years, the average E10 Growth Rate was 13.20% per year. During the past 5 years, the average E10 Growth Rate was 15.30% per year. During the past 10 years, the average E10 Growth Rate was 14.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Wintrust Financial was 17.50% per year. The lowest was 0.70% per year. And the median was 9.75% per year.

As of today (2026-07-03), Wintrust Financial's current stock price is €140.00. Wintrust Financial's E10 for the quarter that ended in Mar. 2026 was €7.38. Wintrust Financial's Shiller PE Ratio of today is 18.97.

During the past 13 years, the highest Shiller PE Ratio of Wintrust Financial was 35.70. The lowest was 8.55. And the median was 17.74.


Wintrust Financial  (STU:WF2) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Wintrust Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=140.00/7.38
=18.97

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Wintrust Financial was 35.70. The lowest was 8.55. And the median was 17.74.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Wintrust Financial E10 Related Terms


Wintrust Financial E10 Historical Data

* Premium members only.

The historical data trend for Wintrust Financial's E10 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.

Wintrust Financial E10 Chart

Wintrust Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 5.86 6.92 7.03

Wintrust Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.95 6.62 6.75 7.03 7.38

STU:WF2 vs UMBF, BPOP, ZION: E10 Comparison

For the Banks - Regional subindustry, Wintrust Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Wintrust Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Wintrust Financial's Shiller PE Ratio falls into.


STU:WF2
79GF Score
Wintrust Financial Corp STU:WF2
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Wintrust Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Wintrust Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.785/330.2130*330.2130
=2.785

Current CPI (Mar. 2026) = 330.2130.

Wintrust Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.801 241.018 1.097
201609 0.820 241.428 1.122
201612 0.891 241.432 1.219
201703 0.935 243.801 1.266
201706 0.988 244.955 1.332
201709 0.940 246.819 1.258
201712 0.989 246.524 1.325
201803 1.135 249.554 1.502
201806 1.310 251.989 1.717
201809 1.345 252.439 1.759
201812 1.187 251.233 1.560
201903 1.345 254.202 1.747
201906 1.221 256.143 1.574
201909 1.535 256.759 1.974
201912 1.296 256.974 1.665
202003 0.941 258.115 1.204
202006 0.302 257.797 0.387
202009 1.418 260.280 1.799
202012 1.340 260.474 1.699
202103 2.134 264.877 2.660
202106 1.411 271.696 1.715
202109 1.505 274.310 1.812
202112 1.398 278.802 1.656
202203 1.880 287.504 2.159
202206 1.410 296.311 1.571
202209 2.232 296.808 2.483
202212 2.105 296.797 2.342
202303 2.615 301.836 2.861
202306 2.197 305.109 2.378
202309 2.371 307.789 2.544
202312 1.715 306.746 1.846
202403 2.659 312.332 2.811
202406 2.155 314.175 2.265
202409 2.225 315.301 2.330
202412 2.512 315.605 2.628
202503 2.488 319.799 2.569
202506 2.410 322.561 2.467
202509 2.369 324.800 2.408
202512 2.690 324.054 2.741
202603 2.785 330.213 2.785

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €7.38 mean?
Wintrust Financial (STU:WF2) has a E10 of €7.38 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Wintrust Financial and its competitors.
Is Wintrust Financial's E10 too high?
Wintrust Financial's current E10 is €7.38. 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 E10 compare to UMBF and BPOP?
Wintrust Financial's E10 of €7.38 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Wintrust Financial and its competitors. Wintrust Financial's current E10 is €7.38. 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 (STU:WF2) is currently considered Modestly Overvalued. The stock's GF Value™ is €109.10, compared to a current price of €140.00 — trading 28.3% above its estimated fair value. The current E10 is €7.38. Wintrust Financial's overall GF Score™ is 79/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Wintrust Financial (STU:WF2), the current E10 is €7.38 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 (STU:WF2) Overvalued in 2026?

Based on GuruFocus' analysis, Wintrust Financial stock appears to be overvalued. The current stock price of €140.00 is trading 28.3% above its estimated GF Value™ of €109.10. GuruFocus considers Wintrust Financial to be Modestly Overvalued.

Key valuation signals for STU:WF2:

  • E10: €7.38
  • GF Value™: €109.10 vs. price of €140.00 (28.3% above fair value)
  • GF Score™: 79/100 with 9 warning signs

No single metric tells the full story. See the STU:WF2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Wintrust Financial Business Description

Other Exchanges WTFC:USA
Address 9700 West Higgins Road, Suite 800, Rosemont, IL, USA, 60018
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

Get the complete analysis for STU:WF2

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€140.00
Price
€109.10
GF Value