Wintrust Financial (STU:WF2) Long-Term Debt: €3,463 Mil (As of Mar. 2026)


STU:WF2 Wintrust Financial Corp STU:WF2
81 GF Score
Price €142.00
GF Value €107.96
Valuation Significantly Overvalued
! 9 Warning Signs
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What is Wintrust Financial Long-Term Debt?

Wintrust Financial STU:WF2 +0.71% 81 Long-Term Debt is €3,463 Mil as of Mar. 2026. GuruFocus rates STU:WF2 with a GF Score™ of 81/100 and a GF Value™ of €107.96 (Significantly Overvalued). The stock has 9 warning signs investors should review.

Wintrust Financial's Long-Term Debt for the quarter that ended in Mar. 2026 was €3,463 Mil.

Wintrust Financial's quarterly Long-Term Debt increased from Sep. 2025 (€3,649 Mil) to Dec. 2025 (€3,827 Mil) but then declined from Dec. 2025 (€3,827 Mil) to Mar. 2026 (€3,463 Mil).

Wintrust Financial's annual Long-Term Debt increased from Dec. 2023 (€3,347 Mil) to Dec. 2024 (€4,047 Mil) but then declined from Dec. 2024 (€4,047 Mil) to Dec. 2025 (€3,827 Mil).

Wintrust Financial  (STU:WF2) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Wintrust Financial Long-Term Debt Related Terms

Wintrust Financial Long-Term Debt Historical Data

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The historical data trend for Wintrust Financial's Long-Term Debt 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.

Wintrust Financial Long-Term Debt Chart

Wintrust Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,072.24 3,111.45 3,346.95 4,047.25 3,827.18

Wintrust Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,915.07 3,753.01 3,648.89 3,827.18 3,463.11
STU:WF2
81GF Score
Wintrust Financial Corp STU:WF2
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of €3,463 Mil mean?
Wintrust Financial (STU:WF2) has a Long-Term Debt of €3,463 Mil as of Mar. 2026.
Is Wintrust Financial's Long-Term Debt too high?
Wintrust Financial's current Long-Term Debt is €3,463 Mil. Overall, Wintrust Financial has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Wintrust Financial's Long-Term Debt compare to UMBF and BPOP?
Wintrust Financial's Long-Term Debt of €3,463 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Wintrust Financial's current Long-Term Debt is €3,463 Mil. 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 Significantly Overvalued. The stock's GF Value™ is €107.96, compared to a current price of €142.00 — trading 31.5% above its estimated fair value. The current Long-Term Debt is €3,463 Mil. Wintrust Financial's overall GF Score™ is 81/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Wintrust Financial (STU:WF2), the current Long-Term Debt is €3,463 Mil 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 (STU:WF2) Overvalued in 2026?

Based on GuruFocus' analysis, Wintrust Financial stock appears to be overvalued. The current stock price of €142.00 is trading 31.5% above its estimated GF Value™ of €107.96. GuruFocus considers Wintrust Financial to be Significantly Overvalued.

Key valuation signals for STU:WF2:

  • Long-Term Debt: €3,463 Mil
  • GF Value™: €107.96 vs. price of €142.00 (31.5% above fair value)
  • GF Score™: 81/100 with 9 warning signs

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 Business Description

Other Exchanges WTFC:USA
Address 9700 West Higgins Road, Suite 800, Rosemont, IL, USA, 60018
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 STU:WF2

Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€142.00
Price
€107.96
GF Value