What is Wintrust Financial Corporation's Shariah compliance score?

Wintrust Financial Corporation's (WTFC) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Wintrust Financial Corporation pass AAOIFI screening?

Wintrust Financial Corporation (WTFC) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (WTFC: 40.4%), (3) interest-bearing deposits below 30% (WTFC: 4.1%), and (4) prohibited income below 5% (WTFC: 1312.4%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Wintrust Financial Corporation stock?

Wintrust Financial Corporation (WTFC) has a non-permissible income ratio of 1312.41%. Muslim investors should purify this percentage of any dividends received and capital gains realized from WTFC shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Wintrust Financial Corporation for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Wintrust Financial Corporation (WTFC) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about WTFC's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

WTFC: Is Wintrust Financial Corporation Halal?

Wintrust Financial Corporation

NASDAQFinancial ServicesUS

$161.19

-0.98%

Market Cap: 10.9B

Compliance Status

Not Halal

Screened on Jul 18, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Wintrust Financial Corporation (WTFC) halal? Not Halal. Based on AAOIFI screening, Wintrust Financial Corporation has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

40.4% of 30.0% limit

What this means for you

Most scholars advise not holding WTFC

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Wintrust Financial Corporation

Wintrust Financial Corporation (WTFC) functions as a diversified financial holding company, structuring its operations across three primary business segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers a comprehensive array of financial products and services. This includes various deposit accounts, such as non-interest-bearing, interest-bearing transaction, savings, and domestic time deposits. On the lending side, it provides home equity loans, consumer loans, and real estate financing. Customers also have access to essential banking services like safe deposit facilities, ATMs, online banking, and mobile banking. Beyond standard offerings, this segment is actively involved in originating and acquiring residential mortgages for sale in the secondary market. It extends specialized lending, deposit, and treasury management solutions to condominium, homeowner, and community associations, alongside offering asset-based financing for middle-market enterprises. Further niche services encompass loan and deposit facilities for mortgage brokerage firms, financing for restaurant franchisees, direct leasing, Small Business Administration (SBA) loans, commercial mortgages, and construction loans, all forming part of its broader financial solutions. Its client base is diverse, ranging from individuals and small to mid-sized businesses to local governmental units and institutional clients, for whom it provides both personal and commercial banking. The Specialty Finance segment delivers targeted financial services, including the financing of commercial and life insurance premiums for both corporate and individual clients. It also handles accounts receivable financing, provides value-added administrative services, and offers outsourced solutions such as payroll processing, billing, and cash management tailored specifically for the temporary staffing industry. This segment rounds out its offerings with other specialized financial products. The Wealth Management segment is dedicated to assisting clients with a full suite of services, including trust and investment management, comprehensive asset management, tax-deferred exchange facilitation, securities brokerage, and retirement plan services. Wintrust maintains a significant physical presence, operating 173 banking facilities and 228 ATMs. Its geographic footprint covers the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. The company, established in 1991, is headquartered in Rosemont, Illinois.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

More Financial Services Stocks

JPM

JPMorgan Chase & Co.

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Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is Wintrust Financial Corporation (WTFC) halal to invest in?

Wintrust Financial Corporation (WTFC) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Wintrust Financial Corporation get a F compliance rating?

Wintrust Financial Corporation (WTFC) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 40.4% (limit 30%); interest-bearing deposits of 4.1% (limit 30%); prohibited income of 1312.41% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Wintrust Financial Corporation's Shariah verdict?

Wintrust Financial Corporation's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Wintrust Financial Corporation re-screened for Shariah compliance?

Wintrust Financial Corporation (WTFC) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.