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Wintrust FinancialWTFC -0.24%81 EV-to-OCF is 6.90 as of Aug. 09, 2026, which is 18% below its 10-year median of 8.39. GuruFocus rates WTFC with a GF Score™ of 81/100 and a GF Value™ of $135.26 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,498 Banks companies, Wintrust Financial ranks worse than 60.01% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Wintrust Financial's Enterprise Value is $11,339 Mil.
Wintrust Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $1,644 Mil. Therefore, Wintrust Financial's EV-to-OCF for today is 6.90.
The historical rank and industry rank for Wintrust Financial's EV-to-OCF or its related term are showing as below:
WTFC'
s EV-to-OCF Range Over the Past 10 Years
Min: -76.71 Med: 8.39 Max: 183.28
Current: 6.9
During the past 13 years, the highest EV-to-OCF of Wintrust Financial was 183.28. The lowest was -76.71. And the median was 8.39.
WTFC's EV-to-OCF is ranked worse than 60.01% of 1498
companies
in the Banks industry
Industry Median: 4.04
vs WTFC: 6.90
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Wintrust Financial's PE Ratio (TTM) for today is calculated as:
Wintrust Financial's share price for today is $158.75.
Wintrust Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.450.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Wintrust Financial EV-to-OCF Related Terms
Wintrust Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Wintrust Financial's EV-to-OCF 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.
For the Banks - Regional subindustry, Wintrust Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Wintrust Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Wintrust Financial's EV-to-OCF falls into.
Wintrust Financial's current Enterprise Value is $11,339 Mil.
Wintrust Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,644 Mil.
* 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 EV-to-OCF of 6.90 as of Aug. 09, 2026. This is 18% below median its historical median of 8.39. According to the industry distribution chart, Wintrust Financial ranks #899 out of 1498 companies in the Banks industry, placing it in the top 60%.
Is Wintrust Financial's EV-to-OCF too high?
Wintrust Financial's current EV-to-OCF of 6.90 is 18% below median its 10-year median of 8.39. The Banks industry median EV-to-OCF is 4.04. Wintrust Financial's value of 6.90 is 70.8% above this industry median. Based on the distribution chart, Wintrust Financial ranks #899 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, Wintrust Financial has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Wintrust Financial's EV-to-OCF compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #899 out of 1498 companies for EV-to-OCF. This places Wintrust Financial in the lower half of its industry. The industry median EV-to-OCF is 4.04. Wintrust Financial's value of 6.90 is 70.8% above this benchmark. While the company's 10-year median is 8.39 vs. the industry median of 4.04, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.04, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wintrust Financial's current EV-to-OCF of 6.90 is 70.8% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wintrust Financial's current EV-to-OCF is 6.90, which is 18% below median its own 10-year median of 8.39. 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 $135.26, compared to a current price of $158.75 — trading 17.4% above its estimated fair value. The current EV-to-OCF is 6.90, which is 18% below median its 10-year median of 8.39 and 70.8% above the Banks industry median of 4.04. Wintrust Financial's overall GF Score™ is 81/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Wintrust Financial (WTFC), the current EV-to-OCF is 6.90 as of Aug. 09, 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 $158.75 is trading 17.4% above its estimated GF Value™ of $135.26.
GuruFocus considers Wintrust Financial to be Modestly Overvalued.
Key valuation signals for WTFC:
EV-to-OCF: 6.90 (18% below median its 10-year median of 8.39)
GF Value™: $135.26 vs. price of $158.75 (17.4% above fair value)
Industry Position: 70.8% above the Banks median (#899 of 1498)
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.
81GF Score
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