WTFC (Wintrust Financial) Moat Score: 5/10 (As of Jul. 02, 2026)


WTFC Wintrust Financial Corp WTFC
79 GF Score
Price $161.22
GF Value $124.22
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Wintrust Financial Moat Score?

Wintrust Financial WTFC -1.00% 79 Moat Score is 5 as of Jul. 02, 2026. GuruFocus rates WTFC with a GF Score™ of 79/100 and a GF Value™ of $124.22 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,612 Banks companies, Wintrust Financial ranks better than 94.04% on this metric.

Wintrust Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Wintrust Financial has Narrow Moat: Wintrust Financial Corp has a solid narrow moat due to its regional market presence and customer loyalty. However, it lacks significant regulatory barriers or proprietary technology to elevate it to a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Wintrust Financial might have Narrow Moat - Solid narrow moat.

Wintrust Financial  (NAS:WTFC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Wintrust Financial Moat Score Related Terms

WTFC vs UMBF, BPOP, ZION: Moat Score Comparison

For the Banks - Regional subindustry, Wintrust Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Wintrust Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Wintrust Financial's Moat Score falls into.


WTFC
79GF Score
Wintrust Financial Corp WTFC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Wintrust Financial (WTFC) has a Moat Score of 5 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Wintrust Financial ranks #96 out of 1612 companies in the Banks industry, placing it in the top 6%.
Is Wintrust Financial's Moat Score too high?
Wintrust Financial's current Moat Score is 5. Based on the distribution chart, Wintrust Financial ranks #96 out of 1612 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 Moat Score compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #96 out of 1612 companies for Moat Score. This places Wintrust Financial in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Wintrust Financial's current Moat Score is 5. 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 $124.22, compared to a current price of $161.22 — trading 29.8% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Wintrust Financial (WTFC), the current Moat Score is 5 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 (WTFC) Overvalued in 2026?

Based on GuruFocus' analysis, Wintrust Financial stock appears to be overvalued. The current stock price of $161.22 is trading 29.8% above its estimated GF Value™ of $124.22. GuruFocus considers Wintrust Financial to be Modestly Overvalued.

Key valuation signals for WTFC:

  • Moat Score: 5
  • GF Value™: $124.22 vs. price of $161.22 (29.8% above fair value)
  • GF Score™: 79/100 with 9 warning signs

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 Business Description

Other Exchanges WF2:Germany
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.
79GF Score

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

$161.22
Price
$124.22
GF Value