Wintrust FinancialSTU:WF2 -2.10%79 EV-to-FCF is 7.26 as of Jul. 02, 2026, which is 20% below its 10-year median of 9.03. 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. Among 1,193 Banks companies, Wintrust Financial ranks worse than 51.63% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Wintrust Financial's Enterprise Value is €10,675 Mil.
Wintrust Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €1,470 Mil. Therefore, Wintrust Financial's EV-to-FCF for today is 7.26.
The historical rank and industry rank for Wintrust Financial's EV-to-FCF or its related term are showing as below:
STU:WF2'
s EV-to-FCF Range Over the Past 10 Years
Min: -146.8 Med: 9.03 Max: 122.8
Current: 7.13
During the past 13 years, the highest EV-to-FCF of Wintrust Financial was 122.80. The lowest was -146.80. And the median was 9.03.
STU:WF2's EV-to-FCF is ranked worse than 51.63% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs STU:WF2: 7.13
EV-to-FCF 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-FCF 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 €140.00.
Wintrust Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €10.254.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Wintrust Financial EV-to-FCF Related Terms
Wintrust Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Wintrust Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Wintrust Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Wintrust Financial's EV-to-FCF falls into.
Wintrust Financial's current Enterprise Value is €10,675 Mil.
Wintrust Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1,470 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 (STU:WF2) has a EV-to-FCF of 7.26 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Wintrust Financial and its competitors. This is 20% below median its historical median of 9.03. According to the industry distribution chart, Wintrust Financial ranks #616 out of 1193 companies in the Banks industry, placing it in the top 51.6%.
Is Wintrust Financial's EV-to-FCF too high?
Wintrust Financial's current EV-to-FCF of 7.26 is 20% below median its 10-year median of 9.03. The Banks industry median EV-to-FCF is 6.65. Wintrust Financial's value of 7.26 is 9.2% above this industry median. Based on the distribution chart, Wintrust Financial ranks #616 out of 1193 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 EV-to-FCF compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #616 out of 1193 companies for EV-to-FCF. This places Wintrust Financial in the lower half of its industry. The industry median EV-to-FCF is 6.65. Wintrust Financial's value of 7.26 is 9.2% above this benchmark. While the company's 10-year median is 9.03 vs. the industry median of 6.65, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.65, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wintrust Financial's current EV-to-FCF of 7.26 is 9.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Wintrust Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wintrust Financial's current EV-to-FCF is 7.26, which is 20% below median its own 10-year median of 9.03. 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 EV-to-FCF is 7.26, which is 20% below median its 10-year median of 9.03 and 9.2% above the Banks industry median of 6.65. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Wintrust Financial (STU:WF2), the current EV-to-FCF is 7.26 as of Jul. 02, 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:
EV-to-FCF: 7.26 (20% below median its 10-year median of 9.03)
GF Value™: €109.10 vs. price of €140.00 (28.3% above fair value)
Industry Position: 9.2% above the Banks median (#616 of 1193)
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 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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