Wintrust FinancialWTFC +1.51%79 FCF Margin % is 128.16% as of Mar. 2026, which is 353% above its 10-year median of 28.27. GuruFocus rates WTFC with a GF Score™ of 79/100 and a GF Value™ of $124.04 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,504 Banks companies, Wintrust Financial ranks better than 77.93% on this metric.
The historical rank and industry rank for Wintrust Financial's FCF Margin % or its related term are showing as below:
WTFC'
s FCF Margin % Range Over the Past 10 Years
Min: -35.41 Med: 28.27 Max: 67.55
Current: 60.96
During the past 13 years, the highest FCF Margin % of Wintrust Financial was 67.55%. The lowest was -35.41%. And the median was 28.27%.
WTFC's FCF Margin % is ranked better than 77.93% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs WTFC: 60.96
Wintrust Financial FCF Margin % Related Terms
Wintrust Financial FCF Margin % Historical Data
* Premium members only.
The historical data trend for Wintrust Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Wintrust Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Wintrust Financial's FCF Margin % 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 FCF Margin % of 128.16% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Wintrust Financial and its competitors. This is 353% above median its historical median of 28.27. According to the industry distribution chart, Wintrust Financial ranks #332 out of 1504 companies in the Banks industry, placing it in the top 22.1%.
Is Wintrust Financial's FCF Margin % too high?
Wintrust Financial's current FCF Margin % of 128.16% is 353% above median its 10-year median of 28.27. The Banks industry median FCF Margin % is 26.50. Wintrust Financial's value of 128.16% is 383.6% above this industry median. Based on the distribution chart, Wintrust Financial ranks #332 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #332 out of 1504 companies for FCF Margin %. This places Wintrust Financial in the top 22% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. Wintrust Financial's value of 128.16% is 383.6% above this benchmark. While the company's 10-year median is 28.27 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wintrust Financial's current FCF Margin % of 128.16% is 383.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Wintrust Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wintrust Financial's current FCF Margin % is 128.16%, which is 353% above median its own 10-year median of 28.27. 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 $124.04, compared to a current price of $159.81 — trading 28.8% above its estimated fair value. The current FCF Margin % is 128.16%, which is 353% above median its 10-year median of 28.27 and 383.6% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Wintrust Financial (WTFC), the current FCF Margin % is 128.16% 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 $159.81 is trading 28.8% above its estimated GF Value™ of $124.04.
GuruFocus considers Wintrust Financial to be Modestly Overvalued.
Key valuation signals for WTFC:
FCF Margin %: 128.16% (353% above median its 10-year median of 28.27)
GF Value™: $124.04 vs. price of $159.81 (28.8% above fair value)
Industry Position: 383.6% above the Banks median (#332 of 1504)
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
Get the complete analysis for WTFC
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WTFC has been successfully added to your 
