Hold. WTFC scores well on growth momentum (68/100 compounder score, likely driven by mid-teens revenue expansion) and trades at an attractive 11.8× forward P/E, but a maxed-out Vulnerability Index tied solely to weak financial buffers—thin cash, high leverage, or limited liquidity reserves—creates material downside risk in a downturn. Leadership alignment (55/100) also trails peer benchmarks, suggesting misaligned incentives or moderate insider ownership. Suitable as a core holding only for risk
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Stocky rates Wintrust Financial Corporation (WTFC) at 65/100 — a Hold — quality is solid but valuation or risk factors cap upside. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Hold. WTFC scores well on growth momentum (68/100 compounder score, likely driven by mid-teens revenue expansion) and trades at an attractive 11.8× forward P/E, but a maxed-out Vulnerability Index tied solely to weak financial buffers—thin
WTFC's current Stocky Verdict is 65/100, placing it in the "Hold" band. This composite combines a 68/100 Compounder score, 55/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for Wintrust Financial Corporation yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
Wintrust Financial Corporation scores 55/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
Wintrust Financial Corporation's Vulnerability Profile scores 100/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to Wintrust Financial Corporation.
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