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Wintrust FinancialSTU:WF2 81 5-Year Yield-on-Cost % is 2.29 as of Jul. 21, 2026, which is 12% below its 10-year median of 2.60. GuruFocus rates STU:WF2 with a GF Score™ of 81/100 and a GF Value™ of €108.88 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,254 Banks companies, Wintrust Financial ranks worse than 76.48% on this metric.
Wintrust Financial's yield on cost for the quarter that ended in Mar. 2026 was 2.29.
The historical rank and industry rank for Wintrust Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
STU:WF2'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.11 Med: 2.6 Max: 6.02
Current: 2.29
During the past 13 years, Wintrust Financial's highest Yield on Cost was 6.02. The lowest was 1.11. And the median was 2.60.
STU:WF2's 5-Year Yield-on-Cost % is ranked worse than 76.48% of 1254
companies
in the Banks industry
Industry Median: 3.865
vs STU:WF2: 2.29
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Wintrust Financial 5-Year Yield-on-Cost % Related Terms
STU:WF2 vs UMBF, BPOP, ZION: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Wintrust Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Wintrust Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Wintrust Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Wintrust Financial (STU:WF2) has a 5-Year Yield-on-Cost % of 2.29 as of Jul. 21, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Wintrust Financial and its competitors. This is 12% below median its historical median of 2.60. Over the past decade, Wintrust Financial's 5-Year Yield-on-Cost % has ranged from 1.11 to 6.02. According to the industry distribution chart, Wintrust Financial ranks #959 out of 1254 companies in the Banks industry, placing it in the top 76.5%.
Is Wintrust Financial's 5-Year Yield-on-Cost % too high?
Wintrust Financial's current 5-Year Yield-on-Cost % of 2.29 is 12% below median its 10-year median of 2.60. Over the past 10 years, this metric has ranged from a low of 1.11 to a high of 6.02. The Banks industry median 5-Year Yield-on-Cost % is 3.87. Wintrust Financial's value of 2.29 is 40.8% below this industry median. Based on the distribution chart, Wintrust Financial ranks #959 out of 1254 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to UMBF and BPOP?
According to the Banks industry distribution chart, Wintrust Financial ranks #959 out of 1254 companies for 5-Year Yield-on-Cost %. This places Wintrust Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. Wintrust Financial's value of 2.29 is 40.8% below this benchmark. Historically, Wintrust Financial's own 5-Year Yield-on-Cost % has ranged from 1.11 to 6.02 over the past decade. While the company's 10-year median is 2.60 vs. the industry median of 3.87, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wintrust Financial's current 5-Year Yield-on-Cost % of 2.29 is 40.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Wintrust Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wintrust Financial's current 5-Year Yield-on-Cost % is 2.29, which is 12% below median its own 10-year median of 2.60. 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 €108.88, compared to a current price of €143.00 — trading 31.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.29, which is 12% below median its 10-year median of 2.60 and 40.8% below the Banks industry median of 3.87. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Wintrust Financial (STU:WF2), the current 5-Year Yield-on-Cost % is 2.29 as of Jul. 21, 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 €143.00 is trading 31.3% above its estimated GF Value™ of €108.88.
GuruFocus considers Wintrust Financial to be Significantly Overvalued.
Key valuation signals for STU:WF2:
5-Year Yield-on-Cost %: 2.29 (12% below median its 10-year median of 2.60)
GF Value™: €108.88 vs. price of €143.00 (31.3% above fair value)
Industry Position: 40.8% below the Banks median (#959 of 1254)
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 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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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