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Wintrust FinancialWTFC 81 3-Year Share Buyback Ratio is -3.30 as of Jun. 2026. GuruFocus rates WTFC with a GF Score™ of 81/100 and a GF Value™ of $136.43 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,041 Banks companies, Wintrust Financial ranks worse than 74.06% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Wintrust Financial's current 3-Year Share Buyback Ratio was -3.30%.
The historical rank and industry rank for Wintrust Financial's 3-Year Share Buyback Ratio or its related term are showing as below:
WTFC'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -15.8 Med: -6 Max: 1.7
Current: -3.3
During the past 13 years, Wintrust Financial's highest 3-Year Share Buyback Ratio was 1.70%. The lowest was -15.80%. And the median was -6.00%.
WTFC's 3-Year Share Buyback Ratio is ranked worse than 74.06% of 1041
companies
in the Banks industry
Industry Median: -0.2
vs WTFC: -3.30
Wintrust Financial (NAS:WTFC) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Wintrust Financial 3-Year Share Buyback Ratio Related Terms
WTFC vs UMBF, BPOP, CFR: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Wintrust Financial's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Wintrust Financial's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Wintrust Financial's 3-Year Share Buyback Ratio falls into.
Wintrust Financial 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -3.30 mean?
Wintrust Financial (WTFC) has a 3-Year Share Buyback Ratio of -3.30 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Wintrust Financial and its competitors. According to the industry distribution chart, Wintrust Financial ranks #771 out of 1041 companies in the Banks industry, placing it in the top 74.1%.
Is Wintrust Financial's 3-Year Share Buyback Ratio too high?
Wintrust Financial's current 3-Year Share Buyback Ratio is -3.30. Based on the distribution chart, Wintrust Financial ranks #771 out of 1041 companies in the Banks industry, which is below the industry midpoint. Overall, Wintrust Financial has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Wintrust Financial's 3-Year Share Buyback Ratio compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #771 out of 1041 companies for 3-Year Share Buyback Ratio. This places Wintrust Financial in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Wintrust Financial and its competitors. Wintrust Financial's current 3-Year Share Buyback Ratio is -3.30. 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 $136.43, compared to a current price of $162.47 — trading 19.1% above its estimated fair value. The current 3-Year Share Buyback Ratio is -3.30. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Wintrust Financial (WTFC), the current 3-Year Share Buyback Ratio is -3.30 as of Jun. 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 $162.47 is trading 19.1% above its estimated GF Value™ of $136.43.
GuruFocus considers Wintrust Financial to be Modestly Overvalued.
Key valuation signals for WTFC:
3-Year Share Buyback Ratio: -3.30
GF Value™: $136.43 vs. price of $162.47 (19.1% above fair value)
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.
81GF Score
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3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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