Wintrust FinancialWTFC -1.00%79 PEG Ratio is 1.46 as of Jul. 03, 2026, which is 3% below its 10-year median of 1.50. 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 1,228 Banks companies, Wintrust Financial ranks better than 51.06% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Wintrust Financial's PEG Ratio or its related term are showing as below:
WTFC'
s PEG Ratio Range Over the Past 10 Years
Min: 0.62 Med: 1.5 Max: 19.01
Current: 1.46
During the past 13 years, Wintrust Financial's highest PEG Ratio was 19.01. The lowest was 0.62. And the median was 1.50.
WTFC's PEG Ratio is ranked better than 51.06% of 1228
companies
in the Banks industry
Industry Median: 1.51
vs WTFC: 1.46
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Wintrust Financial (NAS:WTFC) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Wintrust Financial PEG Ratio Related Terms
Wintrust Financial PEG Ratio Historical Data
* Premium members only.
The historical data trend for Wintrust Financial's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Wintrust Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Wintrust Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Wintrust Financial (WTFC) has a PEG Ratio of 1.46 as of Jul. 03, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Wintrust Financial and its competitors. This is near median its historical median of 1.50. Over the past decade, Wintrust Financial's PEG Ratio has ranged from 0.62 to 19.01. According to the industry distribution chart, Wintrust Financial ranks #601 out of 1228 companies in the Banks industry, placing it in the top 48.9%.
Is Wintrust Financial's PEG Ratio too high?
Wintrust Financial's current PEG Ratio of 1.46 is near median its 10-year median of 1.50. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 19.01. The Banks industry median PEG Ratio is 1.51. Wintrust Financial's value of 1.46 is 3.3% below this industry median. Based on the distribution chart, Wintrust Financial ranks #601 out of 1228 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 PEG Ratio compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #601 out of 1228 companies for PEG Ratio. This puts Wintrust Financial in the upper half of its industry. The industry median PEG Ratio is 1.51. Wintrust Financial's value of 1.46 is 3.3% below this benchmark. Historically, Wintrust Financial's own PEG Ratio has ranged from 0.62 to 19.01 over the past decade. While the company's 10-year median is 1.50 vs. the industry median of 1.51, Wintrust Financial has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.51, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wintrust Financial's current PEG Ratio of 1.46 is 3.3% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Wintrust Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wintrust Financial's current PEG Ratio is 1.46, which is near median its own 10-year median of 1.50. 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 PEG Ratio is 1.46, which is near median its 10-year median of 1.50 and 3.3% below the Banks industry median of 1.51. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Wintrust Financial (WTFC), the current PEG Ratio is 1.46 as of Jul. 03, 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:
PEG Ratio: 1.46 (near median its 10-year median of 1.50)
GF Value™: $124.22 vs. price of $161.22 (29.8% above fair value)
Industry Position: 3.3% below the Banks median (#601 of 1228)
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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