Wintrust FinancialWTFC -1.00%79 PB Ratio is 1.56 as of Jul. 02, 2026, which is 25% above its 10-year median of 1.25. 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 1,517 Banks companies, Wintrust Financial ranks worse than 80.55% on this metric.
Wintrust Financial Corp stock PB Ratio (=1.58) is close to 5-year high of 1.58.
The historical rank and industry rank for Wintrust Financial's PB Ratio or its related term are showing as below:
WTFC'
s PB Ratio Range Over the Past 10 Years
Min: 0.5 Med: 1.25 Max: 1.88
Current: 1.56
During the past 13 years, Wintrust Financial's highest PB Ratio was 1.88. The lowest was 0.50. And the median was 1.25.
WTFC's PB Ratio is ranked worse than 80.55% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs WTFC: 1.56
During the past 12 months, Wintrust Financial's average Book Value Per Share Growth Rate was 11.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Wintrust Financial was 30.90% per year. The lowest was -1.10% per year. And the median was 8.65% per year.
Back to Basics: PB Ratio
Wintrust Financial (NAS:WTFC) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Wintrust Financial PB Ratio Related Terms
Wintrust Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Wintrust Financial's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Wintrust Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Wintrust Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Wintrust Financial (WTFC) has a PB Ratio of 1.56 as of Jul. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Wintrust Financial and its competitors. This is 25% above median its historical median of 1.25. Over the past decade, Wintrust Financial's PB Ratio has ranged from 0.50 to 1.88. According to the industry distribution chart, Wintrust Financial ranks #1222 out of 1517 companies in the Banks industry, placing it in the top 80.6%.
Is Wintrust Financial's PB Ratio too high?
Wintrust Financial's current PB Ratio of 1.56 is 25% above median its 10-year median of 1.25. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 1.88. The Banks industry median PB Ratio is 1.10. Wintrust Financial's value of 1.56 is 41.8% above this industry median. Based on the distribution chart, Wintrust Financial ranks #1222 out of 1517 companies in the Banks industry, which is in the bottom quartile 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 PB Ratio compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #1222 out of 1517 companies for PB Ratio. This places Wintrust Financial in the lower half of its industry. The industry median PB Ratio is 1.10. Wintrust Financial's value of 1.56 is 41.8% above this benchmark. Historically, Wintrust Financial's own PB Ratio has ranged from 0.50 to 1.88 over the past decade. While the company's 10-year median is 1.25 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wintrust Financial's current PB Ratio of 1.56 is 41.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Wintrust Financial and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wintrust Financial's current PB Ratio is 1.56, which is 25% above median its own 10-year median of 1.25. 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 PB Ratio is 1.56, which is 25% above median its 10-year median of 1.25 and 41.8% above the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Wintrust Financial (WTFC), the current PB Ratio is 1.56 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:
PB Ratio: 1.56 (25% above median its 10-year median of 1.25)
GF Value™: $124.22 vs. price of $161.22 (29.8% above fair value)
Industry Position: 41.8% above the Banks median (#1222 of 1517)
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
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