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Wintrust FinancialWTFC -0.09%81 Equity-to-Asset is 0.10 as of Jun. 2026, which is at its 10-year median of 0.10. GuruFocus rates WTFC with a GF Score™ of 81/100 and a GF Value™ of $136.33 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,523 Banks companies, Wintrust Financial ranks better than 54.5% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Wintrust Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $7,525 Mil. Wintrust Financial's Total Assets for the quarter that ended in Jun. 2026 was $74,668 Mil.
Therefore, Wintrust Financial's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.10.
The historical rank and industry rank for Wintrust Financial's Equity-to-Asset or its related term are showing as below:
WTFC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.1 Max: 0.11
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Wintrust Financial was 0.11. The lowest was 0.09. And the median was 0.10.
WTFC's Equity-to-Asset is ranked better than 54.5% of 1523
companies
in the Banks industry
Industry Median: 0.1
vs WTFC: 0.10
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Wintrust Financial Equity-to-Asset Related Terms
Wintrust Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Wintrust Financial's Equity-to-Asset 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, CFR: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Wintrust Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Wintrust Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Wintrust Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Wintrust Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Wintrust Financial and its competitors. This is near median its historical median of 0.10. Over the past decade, Wintrust Financial's Equity-to-Asset has ranged from 0.09 to 0.11. According to the industry distribution chart, Wintrust Financial ranks #693 out of 1523 companies in the Banks industry, placing it in the top 45.5%.
Is Wintrust Financial's Equity-to-Asset too high?
Wintrust Financial's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Wintrust Financial's value of 0.10 is 0% at this industry median. Based on the distribution chart, Wintrust Financial ranks #693 out of 1523 companies in the Banks industry, which is above 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 Equity-to-Asset compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #693 out of 1523 companies for Equity-to-Asset. This puts Wintrust Financial in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Wintrust Financial's value of 0.10 is 0% at this benchmark. Historically, Wintrust Financial's own Equity-to-Asset has ranged from 0.09 to 0.11 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Wintrust Financial has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wintrust Financial's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Wintrust Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wintrust Financial's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. 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 $136.33, compared to a current price of $162.45 — trading 19.2% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. Wintrust Financial's overall GF Score™ is 81/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Wintrust Financial (WTFC), the current Equity-to-Asset is 0.10 as of Jun. 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 $162.45 is trading 19.2% above its estimated GF Value™ of $136.33.
GuruFocus considers Wintrust Financial to be Modestly Overvalued.
Key valuation signals for WTFC:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: $136.33 vs. price of $162.45 (19.2% above fair value)
Industry Position: 0% at the Banks median (#693 of 1523)
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
Get the complete analysis for WTFC
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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