Wintrust FinancialWTFC +1.51%79 FCF Yield % is 15.81 as of Jun. 25, 2026, which is 78% above its 10-year median of 8.90. 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 1,505 Banks companies, Wintrust Financial ranks better than 73.22% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Wintrust Financial FCF Yield % Related Terms
Wintrust Financial FCF Yield % Historical Data
* Premium members only.
The historical data trend for Wintrust Financial's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Wintrust Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Wintrust Financial's FCF Yield % 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 Yield % of 15.81 as of Jun. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Wintrust Financial and its competitors. This is 78% above median its historical median of 8.90. According to the industry distribution chart, Wintrust Financial ranks #403 out of 1505 companies in the Banks industry, placing it in the top 26.8%.
Is Wintrust Financial's FCF Yield % too high?
Wintrust Financial's current FCF Yield % of 15.81 is 78% above median its 10-year median of 8.90. The Banks industry median FCF Yield % is 8.26. Wintrust Financial's value of 15.81 is 91.4% above this industry median. Based on the distribution chart, Wintrust Financial ranks #403 out of 1505 companies in the Banks industry, which is above 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 FCF Yield % compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #403 out of 1505 companies for FCF Yield %. This puts Wintrust Financial in the upper half of its industry. The industry median FCF Yield % is 8.26. Wintrust Financial's value of 15.81 is 91.4% above this benchmark. While the company's 10-year median is 8.90 vs. the industry median of 8.26, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.26, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wintrust Financial's current FCF Yield % of 15.81 is 91.4% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Wintrust Financial and its competitors. For the Banks industry, the median FCF Yield % is 8.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wintrust Financial's current FCF Yield % is 15.81, which is 78% above median its own 10-year median of 8.90. 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 Yield % is 15.81, which is 78% above median its 10-year median of 8.90 and 91.4% above the Banks industry median of 8.26. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Wintrust Financial (WTFC), the current FCF Yield % is 15.81 as of Jun. 25, 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 Yield %: 15.81 (78% above median its 10-year median of 8.90)
GF Value™: $124.04 vs. price of $159.81 (28.8% above fair value)
Industry Position: 91.4% above the Banks median (#403 of 1505)
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 Yield % 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 
