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Wintrust Financial (WTFC) Financials

Wintrust Financial logo
$138.10 -0.07 (-0.05%)
As of 01:39 PM Eastern
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Annual Income Statements for Wintrust Financial

Annual Income Statements for Wintrust Financial

This table shows Wintrust Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 146 - - - 347 272 438 482 595 667
Consolidated Net Income / (Loss)		 157 - - - 356 293 466 510 623 695
Net Income / (Loss) Continuing Operations		 157 - - - 381 -1,026 466 510 623 695
Total Pre-Tax Income 		252 - - - 480 -929 638 701 845 947
Total Revenue		 913 - - - 1,487 288 1,711 1,956 2,272 2,451
Net Interest Income / (Expense)		 642 - - - 1,055 1,040 1,125 1,495 1,838 1,963
Total Interest Income		 718 - - - 1,385 1,293 1,275 1,747 2,893 3,478
Loans and Leases Interest Income		 656 - - - 1,247 6.89 1,173 1,538 2,574 3,086
Investment Securities Interest Income		 61 - - - 108 100 95 161 239 276
Deposits and Money Market Investments Interest Income		 1.49 - - - 30 8.55 6.61 43 79 115
Federal Funds Sold and Securities Borrowed Interest Income		 0.00 - - - 0.70 0.10 0.17 4.90 1.81 0.37
Trading Account Interest Income		 0.11 - - - 0.04 - 0.01 0.02 0.04 0.05
Total Interest Expense		 77 - - - 330 253 151 252 1,055 1,515
Deposits Interest Expense		 49 - - - 279 189 88 175 906 1,344
Long-Term Debt Interest Expense		 28 - - - 51 51 62 77 149 171
Total Non-Interest Income		 272 - - - 407 413 586 461 434 488
Trust Fees by Commissions		 73 - - - - - 124 127 131 146
Service Charges on Deposit Accounts		 - - - - - - 54 59 55 66
Other Service Charges		 195 - - - 221 414 82 82 109 127
Net Realized & Unrealized Capital Gains on Investments		 0.08 - - - 3.37 -1.00 -0.81 -17 2.67 -2.10
Other Non-Interest Income		 2.73 - - - 209 - 327 211 136 152
Provision for Credit Losses		 33 - - - 54 214 -59 79 114 101
Total Non-Interest Expense		 628 - - - 928 1,040 1,133 1,177 1,312 1,403
Salaries and Employee Benefits		 382 - - - 546 626 692 696 748 817
Net Occupancy & Equipment Expense		 109 - - - 144 169 230 236 263 284
Marketing Expense		 22 - - - 49 36 47 59 65 62
Property & Liability Insurance Claims		 12 - - - 9.20 25 27 29 71 46
Other Operating Expenses		 97 - - - 132 136 129 151 160 182
Amortization Expense		 4.62 - - - 12 11 7.73 6.12 5.50 12
Income Tax Expense		 95 - - - 124 97 172 191 222 252
Preferred Stock Dividends Declared		 11 - - - 8.20 21 28 28 28 28
Basic Earnings per Share		 $3.05 - - - $6.11 $4.72 $7.69 $8.14 $9.72 $10.47
Weighted Average Basic Shares Outstanding		 47.84M 50.28M 54.70M 56.30M 56.86M 57.52M 56.99M 59.21M 61.15M 63.69M
Diluted Earnings per Share		 $2.93 - - - $6.03 $4.68 $7.58 $8.02 $9.58 $10.31
Weighted Average Diluted Shares Outstanding		 51.94M 50.28M 54.70M 56.30M 57.62M 58.02M 57.79M 60.09M 62.09M 64.70M
Weighted Average Basic & Diluted Shares Outstanding		 47.80M 50.28M 54.70M 56.30M 56.86M 57.52M 57.24M 61.02M 61.47M 66.71M
Cash Dividends to Common per Share		 $0.44 $0.48 $0.56 $0.76 $1.00 $1.12 $1.24 $1.36 $1.60 $1.80

Quarterly Income Statements for Wintrust Financial

This table shows Wintrust Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 136 138 173 148 157 116 180 145 163 178 182
Consolidated Net Income / (Loss)		 143 145 180 155 164 123 187 152 170 185 189
Net Income / (Loss) Continuing Operations		 143 145 180 155 164 123 187 152 170 185 189
Total Pre-Tax Income 		200 195 244 211 225 165 250 211 233 253 253
Total Revenue		 503 551 566 561 575 571 605 592 616 639 643
Net Interest Income / (Expense)		 401 457 458 448 462 470 464 471 503 525 526
Total Interest Income		 466 581 640 697 762 794 806 850 909 914 887
Loans and Leases Interest Income		 410 506 566 629 675 703 719 760 806 800 778
Investment Securities Interest Income		 39 53 60 51 59 68 70 70 70 67 72
Deposits and Money Market Investments Interest Income		 16 20 13 17 27 22 17 20 33 46 37
Federal Funds Sold and Securities Borrowed Interest Income		 1.85 1.26 0.07 0.00 1.16 0.58 0.02 0.02 0.28 0.05 0.18
Trading Account Interest Income		 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.01 0.01 0.01 0.01
Total Interest Expense		 65 124 182 250 300 324 341 379 406 388 360
Deposits Interest Expense		 46 95 145 213 263 285 300 336 362 346 320
Long-Term Debt Interest Expense		 19 28 37 36 37 38 42 44 44 42 40
Total Non-Interest Income		 101 94 108 113 112 101 141 121 113 113 117
Trust Fees by Commissions		 - - 30 34 34 33 35 35 37 39 34
Service Charges on Deposit Accounts		 - - 13 14 14 15 15 16 16 19 19
Other Service Charges		 17 -83 31 23 25 29 47 31 25 23 24
Net Realized & Unrealized Capital Gains on Investments		 -3.11 -7.05 2.21 0.11 -1.63 1.98 2.00 -4.21 3.06 -2.95 3.13
Other Non-Interest Income		 87 -1.07 31 42 41 22 42 43 31 36 36
Provision for Credit Losses		 6.42 48 23 29 20 43 22 40 22 17 24
Total Non-Interest Expense		 296 308 299 321 330 363 333 340 361 369 366
Salaries and Employee Benefits		 176 180 177 185 192 194 195 199 211 212 212
Net Occupancy & Equipment Expense		 59 60 62 65 70 65 67 69 72 76 77
Marketing Expense		 17 14 12 18 18 17 13 17 18 13 12
Property & Liability Insurance Claims		 7.19 6.78 8.67 9.01 9.75 44 15 10 11 11 11
Other Operating Expenses		 36 45 38 42 38 41 42 44 45 51 49
Amortization Expense		 1.49 1.44 1.24 1.50 1.41 1.36 1.16 1.12 4.04 5.77 5.62
Income Tax Expense		 57 50 63 57 61 42 63 59 63 68 64
Preferred Stock Dividends Declared		 6.99 6.99 6.99 6.99 6.99 6.99 6.99 6.99 6.99 6.99 6.99
Basic Earnings per Share		 $2.24 $2.28 $2.84 $2.41 $2.57 $1.90 $2.93 $2.35 $2.51 $2.68 $2.73
Weighted Average Basic Shares Outstanding		 60.74M 59.21M 60.95M 61.19M 61.21M 61.15M 61.48M 61.84M 64.89M 63.69M 66.73M
Diluted Earnings per Share		 $2.21 $2.25 $2.80 $2.38 $2.53 $1.87 $2.89 $2.32 $2.47 $2.63 $2.69
Weighted Average Diluted Shares Outstanding		 61.58M 60.09M 61.82M 62.09M 62.18M 62.09M 62.41M 62.77M 65.94M 64.70M 67.65M
Weighted Average Basic & Diluted Shares Outstanding		 60.77M 61.02M 61.19M 61.21M 61.24M 61.47M 61.75M 66.50M 66.49M 66.71M 66.93M
Cash Dividends to Common per Share		 $0.34 $0.34 $0.40 $0.40 $0.40 $0.40 $0.45 $0.45 $0.45 $0.45 $0.50

Annual Cash Flow Statements for Wintrust Financial

This table details how cash moves in and out of Wintrust Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 45 -5.75 7.55 115 -106 36 89 80 -68 35
Net Cash From Operating Activities		 39 311 402 377 266 -518 1,131 1,375 744 722
Net Cash From Continuing Operating Activities		 39 311 402 377 266 -518 1,131 1,375 744 722
Net Income / (Loss) Continuing Operations		 157 207 258 343 356 293 466 510 623 695
Consolidated Net Income / (Loss)		 157 207 258 343 356 293 466 510 623 695
Provision For Loan Losses		 33 34 30 35 54 214 -59 79 114 101
Depreciation Expense		 41 53 63 68 88 96 102 82 85 100
Amortization Expense		 -31 -30 -17 -13 -20 -71 -77 -17 -16 -21
Non-Cash Adjustments to Reconcile Net Income		 -7.05 -28 163 92 -64 -966 442 426 -23 34
Changes in Operating Assets and Liabilities, net		 -154 75 -95 -147 -148 -85 257 295 -39 -188
Net Cash From Investing Activities		 -1,642 -2,492 -2,303 -2,763 -4,019 -7,182 -5,929 -3,491 -3,238 -5,946
Net Cash From Continuing Investing Activities		 -1,642 -2,492 -2,303 -2,763 -4,019 -7,182 -5,929 -3,491 -3,238 -5,946
Purchase of Property, Leasehold Improvements and Equipment		 -43 -34 -59 -68 -82 -64 -57 -53 -46 -86
Purchase of Investment Securities		 -4,208 -6,677 -3,021 -3,308 -6,088 -10,137 -7,692 -4,688 -6,106 -9,621
Sale and/or Maturity of Investments		 2,608 4,218 792 612 2,149 3,018 1,820 640 2,895 3,837
Net Increase in Fed Funds Sold		 - - - - - - - 700 0.00 0.00
Other Investing Activities, net		 1.86 1.21 -15 - 1.96 0.08 0.21 -89 20 -76
Net Cash From Financing Activities		 1,648 2,176 1,909 2,501 3,647 7,737 4,887 2,196 2,426 5,260
Net Cash From Continuing Financing Activities		 1,648 2,176 1,909 2,501 3,647 7,737 4,887 2,196 2,426 5,260
Net Change in Deposits		 1,381 2,769 1,525 2,547 3,142 6,986 5,007 807 2,495 4,805
Issuance of Debt		 160 - 403 137 545 554 13 1,075 10 825
Issuance of Common Equity		 16 169 28 16 11 15 20 297 8.31 6.69
Repayment of Debt		 0.00 -722 -4.89 -148 15 89 -28 125 41 -224
Payment of Dividends		 -30 -39 -41 -51 -65 -86 -99 -108 -126 -143
Other Financing Activities, Net		 - -1.27 -1.10 -0.65 -1.36 -5.90 -17 -0.30 -1.97 -10
Cash Interest Paid		 78 91 113 198 327 257 157 239 1,026 1,518
Cash Income Taxes Paid		 95 95 77 69 61 105 179 153 232 253

Quarterly Cash Flow Statements for Wintrust Financial

This table details how cash moves in and out of Wintrust Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -9.30 1.32 -45 68 -96 5.32 -44 36 316 -273 158
Net Cash From Operating Activities		 232 320 68 340 88 248 71 221 -62 491 120
Net Cash From Continuing Operating Activities		 232 320 68 340 88 248 71 221 -62 491 120
Net Income / (Loss) Continuing Operations		 143 145 180 155 164 123 187 152 170 185 189
Consolidated Net Income / (Loss)		 143 145 180 155 164 123 187 152 170 185 189
Provision For Loan Losses		 6.42 48 23 29 20 43 22 40 22 17 24
Depreciation Expense		 20 17 19 16 28 22 21 24 26 29 29
Amortization Expense		 -2.70 -1.96 -3.99 -4.34 -3.58 -3.80 -3.41 -4.06 -5.78 -7.86 -6.44
Non-Cash Adjustments to Reconcile Net Income		 120 107 -0.13 -49 36 -9.40 -53 -86 26 147 77
Changes in Operating Assets and Liabilities, net		 -54 5.01 -149 194 -156 73 -103 95 -300 120 -193
Net Cash From Investing Activities		 -1,555 -542 114 -1,346 -1,396 -610 -1,419 -2,145 -663 -1,718 -973
Net Cash From Continuing Investing Activities		 -1,555 -542 114 -1,346 -1,396 -610 -1,419 -2,145 -663 -1,718 -973
Purchase of Property, Leasehold Improvements and Equipment		 -14 -16 -9.14 -0.18 -20 -17 -11 -39 -17 -20 7.30
Purchase of Investment Securities		 -2,137 -596 -952 -2,446 -1,883 -825 -2,276 -2,858 -1,481 -3,005 -1,170
Sale and/or Maturity of Investments		 -105 159 1,076 1,071 130 618 867 803 156 2,010 190
Net Cash From Financing Activities		 1,314 224 -228 1,074 1,212 367 1,304 1,960 1,041 955 1,011
Net Cash From Continuing Financing Activities		 1,314 224 -228 1,074 1,212 367 1,304 1,960 1,041 955 1,011
Net Change in Deposits		 204 105 -184 1,320 954 404 1,052 1,600 1,046 1,107 1,058
Issuance of Debt		 1,080 - 0.00 -230 288 -48 351 471 30 -27 0.00
Issuance of Common Equity		 1.17 3.01 3.58 1.59 1.50 1.64 2.10 1.19 1.61 1.80 1.82
Repayment of Debt		 57 143 -14 14 - 41 -62 -78 - -84 -4.80
Payment of Dividends		 -28 -28 -31 -31 -31 -31 -34 -35 -37 -37 -40
Other Financing Activities, Net		 - -0.30 -1.72 - - -0.25 -3.54 0.00 -0.34 -6.22 -3.00

Annual Balance Sheets for Wintrust Financial

This table presents Wintrust Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 22,909 25,669 27,916 31,245 36,621 45,081 50,142 52,950 56,260 64,880
Cash and Due from Banks		 271 267 278 392 286 322 411 491 423 452
Federal Funds Sold		 4.34 2.85 0.06 0.06 0.31 0.06 700 0.06 0.06 6.52
Interest Bearing Deposits at Other Banks		 608 980 1,063 1,100 2,165 4,803 5,373 1,989 2,084 4,410
Trading Account Securities		 2,602 2,362 2,721 3,493 4,670 4,999 818 8,217 8,487 8,305
Loans and Leases, Net of Allowance		 17,158 19,638 21,503 23,668 26,643 31,699 0.00 38,839 41,705 47,618
Loans and Leases		 17,267 19,761 21,641 23,821 26,800 32,079 - 39,196 42,132 48,055
Allowance for Loan and Lease Losses		 108 124 138 153 157 380 - 357 427 437
Premises and Equipment, Net		 655 727 834 904 754 769 766 765 749 779
Goodwill		 472 499 502 573 645 646 655 654 657 797
Intangible Assets		 24 22 18 49 47 36 28 22 23 122
Other Assets		 726 752 684 801 1,410 1,747 26 1,886 2,049 2,317
Total Liabilities & Shareholders' Equity		 22,909 25,669 27,916 31,245 36,621 45,081 50,142 52,950 56,260 64,880
Total Liabilities		 20,557 22,973 24,939 27,977 32,929 40,965 42,096 48,153 50,860 58,535
Non-Interest Bearing Deposits		 4,836 5,927 6,792 6,570 7,217 11,748 14,180 12,668 10,420 11,410
Interest Bearing Deposits		 13,803 15,731 16,391 19,525 22,890 25,344 27,916 30,234 34,977 41,102
Short-Term Debt		 - - 266 394 - 519 - 597 - 535
Long-Term Debt		 1,527 809 952 819 1,783 1,919 - 3,007 3,663 3,703
Other Long-Term Liabilities		 391 505 537 670 1,039 1,435 - 1,647 1,800 1,785
Total Equity & Noncontrolling Interests		 2,352 2,696 2,977 3,268 3,691 4,116 4,499 4,797 5,400 6,344
Total Preferred & Common Equity		 2,352 2,696 2,977 3,268 3,691 4,116 4,499 4,797 5,400 6,344
Preferred Stock		 251 251 - - 125 413 413 413 413 413
Total Common Equity		 2,101 2,444 2,977 3,268 3,566 3,703 4,086 4,385 4,987 5,938
Common Stock		 1,239 1,418 1,585 1,615 1,708 1,708 1,744 1,963 2,005 2,549
Retained Earnings		 928 1,097 1,314 1,611 1,900 2,080 2,448 2,849 3,345 3,897
Accumulated Other Comprehensive Income / (Loss)		 -63 -65 -42 -77 -35 15 4.09 -428 -361 -508
Other Equity Adjustments		 - - 125 125 - 0.00 - 0.00 - 0.00

Quarterly Balance Sheets for Wintrust Financial

This table presents Wintrust Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 52,383 52,874 54,286 55,555 57,577 59,782 63,788 65,870
Cash and Due from Banks		 490 446 514 418 380 415 725 616
Federal Funds Sold		 0.06 0.06 0.06 0.06 0.06 0.06 5.66 0.06
Interest Bearing Deposits at Other Banks		 3,969 1,564 2,164 2,449 2,131 2,824 3,648 4,238
Trading Account Securities		 6,804 8,221 7,515 7,962 8,659 8,614 8,731 8,372
Loans and Leases, Net of Allowance		 37,853 39,190 40,636 41,047 42,804 44,238 46,632 48,260
Loans and Leases		 38,168 39,565 41,023 41,446 43,231 44,676 47,067 48,708
Allowance for Loan and Lease Losses		 315 376 387 399 427 437 436 448
Premises and Equipment, Net		 763 760 749 748 745 722 772 777
Goodwill		 653 654 657 656 656 656 801 797
Intangible Assets		 24 21 26 24 22 21 124 116
Other Assets		 1,760 1,931 1,941 2,168 2,102 2,217 2,275 2,161
Total Liabilities & Shareholders' Equity		 52,383 52,874 54,286 55,555 57,577 59,782 63,788 65,870
Total Liabilities		 47,745 47,858 49,244 50,540 52,141 54,245 57,389 59,270
Non-Interest Bearing Deposits		 13,529 11,236 10,605 10,347 9,908 10,031 10,739 11,202
Interest Bearing Deposits		 29,268 31,482 33,434 34,646 36,541 38,018 40,666 42,368
Short-Term Debt		 447 584 665 644 575 607 647 529
Long-Term Debt		 3,007 3,007 2,717 3,017 3,368 3,728 3,723 3,703
Other Long-Term Liabilities		 1,494 1,549 1,823 1,886 1,748 1,861 1,614 1,467
Total Equity & Noncontrolling Interests		 4,638 5,016 5,042 5,016 5,436 5,537 6,400 6,601
Total Preferred & Common Equity		 4,638 5,016 5,042 5,016 5,436 5,537 6,400 6,601
Preferred Stock		 413 413 413 413 413 413 413 413
Total Common Equity		 4,225 4,605 4,631 4,605 5,030 5,130 5,993 6,197
Common Stock		 1,952 1,975 1,985 1,994 2,016 2,026 2,537 2,561
Retained Earnings		 2,732 2,997 3,121 3,253 3,498 3,616 3,749 4,046
Accumulated Other Comprehensive Income / (Loss)		 -459 -367 -474 -643 -485 -512 -292 -410
Other Equity Adjustments		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Metrics And Ratios for Wintrust Financial

This table displays calculated financial ratios and metrics derived from Wintrust Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 12.20% 0.00% 0.00% 0.00% 0.00% -80.64% 494.14% 14.34% 16.13% 7.87%
EBITDA Growth		 7.65% -91.13% 99.89% 17.96% 947.75% -263.96% 170.43% 15.53% 19.42% 12.24%
EBIT Growth		 2.16% -100.00% 0.00% 0.00% 0.00% -291.21% 166.00% 9.84% 20.63% 12.07%
NOPAT Growth		 3.53% -100.00% 0.00% 0.00% 0.00% -282.89% 171.66% 9.34% 22.16% 11.63%
Net Income Growth		 3.53% 0.00% 0.00% 0.00% 0.00% -17.63% 59.10% 9.34% 22.16% 11.63%
EPS Growth		 -1.68% 0.00% 0.00% 0.00% 0.00% -22.39% 61.97% 5.80% 19.45% 7.62%
Operating Cash Flow Growth		 -81.12% 698.04% 29.15% -6.09% -29.48% -294.92% 318.12% 21.59% -45.86% -3.07%
Free Cash Flow Firm Growth		 19.58% 212.34% -284.51% 58.73% -123.66% -171.27% 40.64% 115.17% -125.51% -1,974.67%
Invested Capital Growth		 14.46% -9.65% 19.72% 6.80% 22.17% 19.72% 22.78% 4.40% 7.88% 16.77%
Revenue Q/Q Growth		 2.34% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -9.37% 0.89% 2.84%
EBITDA Q/Q Growth		 13.45% -92.82% 20.77% 6.34% 751.65% -2,767.68% 3,407.97% -25.51% -2.86% 9.71%
EBIT Q/Q Growth		 -2.10% -100.00% 0.00% 0.00% 0.00% 0.00% 0.00% -27.45% -3.42% 10.22%
NOPAT Q/Q Growth		 -1.65% -100.00% 0.00% 0.00% 0.00% 0.00% 0.00% -35.53% -3.31% 9.77%
Net Income Q/Q Growth		 -1.65% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 9.93% -3.31% 9.77%
EPS Q/Q Growth		 -3.93% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 9.26% -3.82% 7.96%
Operating Cash Flow Q/Q Growth		 -32.67% 660.13% -25.97% -26.58% 185.63% -286.33% 77.90% -5.50% -8.81% 50.74%
Free Cash Flow Firm Q/Q Growth		 29.16% 501.34% -134.83% 47.09% 2.50% -34.67% -196.44% 134.22% -167.26% 43.52%
Invested Capital Q/Q Growth		 12.53% -6.00% 4.31% -1.77% 4.96% 0.82% 17.53% 3.81% 4.45% -1.74%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 28.67% 0.00% 0.00% 0.00% 38.57% -326.63% 38.72% 39.13% 40.24% 41.86%
EBIT Margin		 27.57% 0.00% 0.00% 0.00% 33.98% -335.54% 37.27% 35.81% 37.20% 38.64%
Profit (Net Income) Margin		 17.17% 0.00% 0.00% 0.00% 23.91% 101.74% 27.24% 26.05% 27.40% 28.36%
Tax Burden Percent		 62.26% 0.00% 0.00% 0.00% 74.09% -31.53% 73.09% 72.75% 73.68% 73.39%
Interest Burden Percent		 100.00% 0.00% 0.00% 0.00% 95.00% 96.17% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 37.74% 0.00% 0.00% 0.00% 25.91% 0.00% 26.91% 27.25% 26.32% 26.61%
Return on Invested Capital (ROIC)		 4.31% 0.00% 0.00% 0.00% 7.15% -10.82% 6.39% 6.20% 7.13% 7.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.31% 0.00% 0.00% 0.00% 7.15% 33.90% 6.39% 6.20% 7.13% 7.08%
Return on Net Nonoperating Assets (RNNOA)		 2.78% 0.00% 0.00% 0.00% 3.08% 18.32% 4.44% 4.77% 5.08% 4.76%
Return on Equity (ROE)		 7.09% 0.00% 0.00% 0.00% 10.22% 7.51% 10.82% 10.97% 12.21% 11.84%
Cash Return on Invested Capital (CROIC)		 -9.17% 10.14% -17.95% -6.57% -12.81% -28.77% -14.07% 1.89% -0.46% -8.39%
Operating Return on Assets (OROA)		 1.17% 0.00% 0.00% 0.00% 1.49% -2.37% 1.34% 1.36% 1.55% 1.56%
Return on Assets (ROA)		 0.73% 0.00% 0.00% 0.00% 1.05% 0.72% 0.98% 0.99% 1.14% 1.15%
Return on Common Equity (ROCE)		 6.69% 0.00% 0.00% 0.00% 10.04% 6.99% 9.79% 9.99% 11.22% 11.01%
Return on Equity Simple (ROE_SIMPLE)		 6.66% 0.00% 0.00% 0.00% 9.64% 7.12% 10.36% 10.63% 11.53% 10.96%
Net Operating Profit after Tax (NOPAT)		 157 0.00 0.00 0.00 356 -651 466 510 623 695
NOPAT Margin		 17.17% 0.00% 0.00% 0.00% 23.91% -225.88% 27.24% 26.05% 27.40% 28.36%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% -44.72% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 56.15% 0.00% 0.00% 0.00% 49.72% 288.56% 56.62% 50.68% 47.36% 47.45%
Operating Expenses to Revenue		 68.82% 0.00% 0.00% 0.00% 62.40% 361.15% 66.19% 60.17% 57.77% 57.23%
Earnings before Interest and Taxes (EBIT)		 252 0.00 0.00 0.00 505 -966 638 701 845 947
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 262 23 46 55 574 -941 663 765 914 1,026
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.98 1.36 1.38 1.03 1.04 0.89 1.21 1.12 1.11 1.39
Price to Tangible Book Value (P/TBV)		 1.28 1.73 1.68 1.28 1.29 1.09 1.45 1.33 1.29 1.65
Price to Revenue (P/Rev)		 2.26 0.00 0.00 0.00 2.49 11.45 2.88 2.52 2.45 3.37
Price to Earnings (P/E)		 14.13 0.00 0.00 0.00 10.65 12.14 11.25 10.23 9.35 12.38
Dividend Yield		 1.03% 0.75% 0.76% 1.27% 1.54% 1.96% 1.43% 1.68% 1.76% 1.45%
Earnings Yield		 7.08% 0.00% 0.00% 0.00% 9.39% 8.24% 8.89% 9.78% 10.70% 8.08%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.90 0.95 0.69 0.58 0.16 0.00 0.77 0.79 0.76
Enterprise Value to Revenue (EV/Rev)		 3.24 0.00 0.00 0.00 2.12 3.55 0.00 3.30 3.14 3.28
Enterprise Value to EBITDA (EV/EBITDA)		 11.29 135.31 86.05 56.66 5.50 0.00 0.00 8.44 7.80 7.84
Enterprise Value to EBIT (EV/EBIT)		 11.74 0.00 0.00 0.00 6.25 0.00 0.00 9.22 8.43 8.49
Enterprise Value to NOPAT (EV/NOPAT)		 18.86 0.00 0.00 0.00 8.88 0.00 0.00 12.68 11.45 11.57
Enterprise Value to Operating Cash Flow (EV/OCF)		 75.85 10.10 9.95 8.23 11.87 0.00 0.00 4.70 9.58 11.15
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 8.39 0.00 0.00 0.00 0.00 0.00 41.49 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.65 0.30 0.41 0.37 0.48 0.59 0.00 0.75 0.68 0.67
Long-Term Debt to Equity		 0.65 0.30 0.32 0.25 0.48 0.47 0.00 0.63 0.68 0.58
Financial Leverage		 0.64 0.46 0.36 0.39 0.43 0.54 0.69 0.77 0.71 0.67
Leverage Ratio		 9.71 9.62 9.45 9.47 9.75 10.46 11.05 11.09 10.71 10.32
Compound Leverage Factor		 9.71 0.00 0.00 0.00 9.26 10.06 11.05 11.09 10.71 10.32
Debt to Total Capital		 39.36% 23.08% 29.04% 27.07% 32.57% 37.19% 0.00% 42.90% 40.42% 40.05%
Short-Term Debt to Total Capital		 0.00% 0.00% 6.34% 8.79% 0.00% 7.92% 0.00% 7.10% 0.00% 5.05%
Long-Term Debt to Total Capital		 39.36% 23.08% 22.70% 18.28% 32.57% 29.27% 0.00% 35.80% 40.42% 34.99%
Preferred Equity to Total Capital		 6.48% 7.17% 0.00% 0.00% 2.28% 6.29% 9.17% 4.91% 4.55% 3.90%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 54.16% 69.75% 70.96% 72.93% 65.15% 56.51% 90.83% 52.20% 55.03% 56.11%
Debt to EBITDA		 5.83 34.83 26.25 22.15 3.11 -2.59 0.00 4.71 4.01 4.13
Net Debt to EBITDA		 2.46 -19.02 -2.64 -5.09 -1.16 2.86 0.00 1.47 1.26 -0.61
Long-Term Debt to EBITDA		 5.83 34.83 20.52 14.96 3.11 -2.04 0.00 3.93 4.01 3.61
Debt to NOPAT		 9.74 0.00 0.00 0.00 5.01 -3.75 0.00 7.07 5.88 6.10
Net Debt to NOPAT		 4.10 0.00 0.00 0.00 -1.88 4.13 0.00 2.21 1.86 -0.91
Long-Term Debt to NOPAT		 9.74 0.00 0.00 0.00 5.01 -2.95 0.00 5.90 5.88 5.33
Noncontrolling Interest Sharing Ratio		 5.68% 9.96% 4.43% 0.00% 1.80% 6.88% 9.58% 8.87% 8.09% 6.97%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -333 374 -691 -285 -638 -1,730 -1,027 156 -40 -824
Operating Cash Flow to CapEx		 89.66% 916.68% 678.49% 552.46% 324.30% -814.61% 1,981.38% 2,572.55% 1,604.05% 838.71%
Free Cash Flow to Firm to Interest Expense		 -4.33 0.00 0.00 0.00 -1.93 -6.83 -6.82 0.62 -0.04 -0.54
Operating Cash Flow to Interest Expense		 0.51 0.00 0.00 0.00 0.81 -2.05 7.51 5.45 0.71 0.48
Operating Cash Flow Less CapEx to Interest Expense		 -0.06 0.00 0.00 0.00 0.56 -2.30 7.13 5.24 0.66 0.42
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.00 0.00 0.00 0.04 0.01 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.51 0.00 0.00 0.00 1.79 0.38 2.23 2.56 3.00 3.21
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 3,879 3,504 4,195 4,481 5,474 6,553 8,047 8,400 9,063 10,582
Invested Capital Turnover		 0.25 0.00 0.00 0.00 0.30 0.05 0.23 0.24 0.26 0.25
Increase / (Decrease) in Invested Capital		 490 -374 691 285 993 1,079 1,493 354 662 1,519
Enterprise Value (EV)		 2,956 3,142 3,995 3,102 3,158 1,023 -1,143 6,462 7,128 8,042
Market Capitalization		 2,061 3,333 4,117 3,381 3,701 3,298 4,928 4,926 5,560 8,260
Book Value per Share		 $43.44 $47.21 $53.23 $57.94 $62.49 $64.26 $71.68 $72.16 $81.44 $89.30
Tangible Book Value per Share		 $33.18 $37.16 $43.94 $46.90 $50.36 $52.43 $59.69 $61.04 $70.34 $75.49
Total Capital		 3,879 3,504 4,195 4,481 5,474 6,553 4,499 8,400 9,063 10,582
Total Debt		 1,527 809 1,218 1,213 1,783 2,437 0.00 3,604 3,663 4,238
Total Long-Term Debt		 1,527 809 952 819 1,783 1,919 0.00 3,007 3,663 3,703
Net Debt		 643 -442 -122 -279 -668 -2,688 -6,484 1,124 1,156 -630
Capital Expenditures (CapEx)		 43 34 59 68 82 64 57 53 46 86
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 -944 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,527 809 1,218 1,213 1,783 2,437 3,548 3,604 3,663 4,238
Total Depreciation and Amortization (D&A)		 10 23 46 55 68 26 25 65 69 79
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.05 $3.83 $4.53 $0.00 $0.00 $0.00 $7.69 $8.14 $9.72 $10.47
Adjusted Weighted Average Basic Shares Outstanding		 47.84M 50.28M 54.70M 56.30M 56.86M 57.52M 56.99M 59.21M 61.15M 63.69M
Adjusted Diluted Earnings per Share		 $2.93 $3.66 $4.40 $0.00 $0.00 $0.00 $7.58 $8.02 $9.58 $10.31
Adjusted Weighted Average Diluted Shares Outstanding		 51.94M 54.27M 56.69M 56.30M 56.86M 57.52M 57.79M 60.09M 62.09M 64.70M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 48.43M 52.39M 56.22M 56.30M 56.86M 57.52M 57.24M 61.02M 61.47M 66.71M
Normalized Net Operating Profit after Tax (NOPAT)		 157 0.00 0.00 0.00 356 -651 466 510 623 695
Normalized NOPAT Margin		 17.17% 0.00% 0.00% 0.00% 23.91% -225.88% 27.24% 26.05% 27.40% 28.36%
Pre Tax Income Margin		 27.57% 0.00% 0.00% 0.00% 32.28% -322.69% 37.27% 35.81% 37.20% 38.64%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.27 0.00 0.00 0.00 1.53 -3.82 4.24 2.78 0.80 0.63
NOPAT to Interest Expense		 2.04 0.00 0.00 0.00 1.08 -2.57 3.10 2.02 0.59 0.46
EBIT Less CapEx to Interest Expense		 2.71 0.00 0.00 0.00 1.28 -4.07 3.86 2.57 0.76 0.57
NOPAT Less CapEx to Interest Expense		 1.47 0.00 0.00 0.00 0.83 -2.82 2.72 1.81 0.55 0.40
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 19.07% 0.00% 0.00% 0.00% 18.30% 29.32% 21.16% 21.23% 20.19% 20.61%
Augmented Payout Ratio		 19.34% 0.00% 0.00% 0.00% 18.30% 60.73% 23.20% 21.23% 20.19% 20.61%

Quarterly Metrics And Ratios for Wintrust Financial

This table displays calculated financial ratios and metrics derived from Wintrust Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 16.55% -26.86% 22.44% 27.19% 14.30% 3.66% 6.90% 5.56% 7.11% 11.88% 6.34%
EBITDA Growth		 33.76% -55.46% 34.87% 52.44% 14.75% -12.80% 3.73% 3.43% 1.53% 49.45% 3.02%
EBIT Growth		 27.19% -57.59% 40.23% 60.59% 12.41% -15.34% 2.63% -0.04% 3.49% 53.16% 1.24%
NOPAT Growth		 30.99% -65.98% 41.45% 63.73% 14.86% -14.73% 3.94% -1.53% 3.53% 50.12% 0.93%
Net Income Growth		 30.99% 46.64% 41.45% 63.73% 14.86% -14.73% 3.94% -1.53% 3.53% 50.12% 0.93%
EPS Growth		 24.86% 43.31% 35.27% 59.73% 14.48% -16.89% 3.21% -2.52% -2.37% 40.64% -6.92%
Operating Cash Flow Growth		 181.92% -20.02% -85.06% -6.99% -61.93% -22.48% 3.92% -34.88% -169.83% 97.97% 68.37%
Free Cash Flow Firm Growth		 -364.75% 80.41% 67.54% -554.08% 61.85% -157.71% -48.64% -7.65% -357.07% -147.56% -115.46%
Invested Capital Growth		 18.20% 4.40% 7.16% 19.20% 7.23% 7.88% 8.99% 17.17% 24.12% 16.77% 15.49%
Revenue Q/Q Growth		 14.11% 9.49% 2.74% -0.92% 2.55% -0.70% 5.95% -2.15% 4.05% 3.71% 0.71%
EBITDA Q/Q Growth		 48.05% -2.91% 22.70% -13.57% 11.46% -26.22% 45.96% -13.82% 9.40% 8.61% 0.62%
EBIT Q/Q Growth		 51.94% -2.43% 24.79% -13.19% 6.35% -26.51% 51.27% -15.45% 10.11% 8.75% -0.01%
NOPAT Q/Q Growth		 51.26% 1.30% 24.43% -14.12% 6.11% -24.80% 51.68% -18.64% 11.56% 9.04% 1.98%
Net Income Q/Q Growth		 51.26% 1.30% 24.43% -14.12% 6.11% -24.80% 51.68% -18.64% 11.56% 9.04% 1.98%
EPS Q/Q Growth		 48.32% 1.81% 24.44% -15.00% 6.30% -26.09% 54.55% -19.72% 6.47% 6.48% 2.28%
Operating Cash Flow Q/Q Growth		 -36.53% 37.95% -78.60% 396.41% -74.02% 180.91% -71.31% 211.06% -127.85% 896.45% -75.60%
Free Cash Flow Firm Q/Q Growth		 -499.90% 81.04% -88.73% -204.69% 65.01% -28.09% -8.86% -120.66% -48.55% 30.62% 5.26%
Invested Capital Q/Q Growth		 14.50% 3.81% 2.45% -2.11% 3.00% 4.45% 3.50% 5.24% 9.10% -1.74% 2.37%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.12% 38.24% 45.67% 39.83% 43.29% 32.17% 44.32% 39.03% 41.04% 42.97% 42.93%
EBIT Margin		 39.78% 35.44% 43.05% 37.72% 39.12% 28.95% 41.33% 35.71% 37.79% 39.63% 39.35%
Profit (Net Income) Margin		 28.43% 26.30% 31.85% 27.61% 28.56% 21.63% 30.97% 25.75% 27.61% 29.03% 29.39%
Tax Burden Percent		 71.47% 74.20% 73.99% 73.19% 73.02% 74.73% 74.93% 72.10% 73.05% 73.24% 74.70%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 28.53% 25.80% 26.01% 26.81% 26.98% 25.27% 25.07% 27.90% 26.95% 26.76% 25.30%
Return on Invested Capital (ROIC)		 8.22% 6.26% 7.89% 7.77% 7.67% 5.63% 7.96% 6.59% 6.77% 7.24% 7.24%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.22% 6.26% 7.89% 7.77% 7.67% 5.63% 7.96% 6.59% 6.77% 7.24% 7.24%
Return on Net Nonoperating Assets (RNNOA)		 5.35% 4.81% 5.91% 4.55% 5.65% 4.01% 5.74% 4.81% 4.76% 4.87% 4.92%
Return on Equity (ROE)		 13.56% 11.07% 13.80% 12.32% 13.33% 9.64% 13.70% 11.40% 11.53% 12.12% 12.16%
Cash Return on Invested Capital (CROIC)		 -6.09% 1.89% -0.15% -9.48% 0.70% -0.46% -1.60% -8.96% -15.01% -8.39% -7.48%
Operating Return on Assets (OROA)		 1.71% 1.35% 1.72% 1.56% 1.63% 1.20% 1.73% 1.47% 1.51% 1.60% 1.59%
Return on Assets (ROA)		 1.22% 1.00% 1.27% 1.14% 1.19% 0.90% 1.30% 1.06% 1.10% 1.17% 1.19%
Return on Common Equity (ROCE)		 12.33% 10.09% 12.61% 11.28% 12.19% 8.86% 12.62% 10.52% 10.70% 11.27% 11.34%
Return on Equity Simple (ROE_SIMPLE)		 10.00% 0.00% 11.22% 12.35% 12.84% 0.00% 11.58% 11.33% 9.89% 0.00% 10.56%
Net Operating Profit after Tax (NOPAT)		 143 145 180 155 164 123 187 152 170 185 189
NOPAT Margin		 28.43% 26.30% 31.85% 27.61% 28.56% 21.63% 30.97% 25.75% 27.61% 29.03% 29.39%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.06% 46.32% 44.39% 47.74% 48.81% 48.46% 45.47% 48.18% 48.97% 47.18% 46.81%
Operating Expenses to Revenue		 58.95% 55.90% 52.88% 57.20% 57.42% 63.53% 55.09% 57.52% 58.58% 57.71% 56.93%
Earnings before Interest and Taxes (EBIT)		 200 195 244 211 225 165 250 211 233 253 253
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 217 211 258 223 249 184 268 231 253 274 276
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.13 1.12 0.94 0.94 0.98 1.11 1.26 1.18 1.20 1.39 1.21
Price to Tangible Book Value (P/TBV)		 1.34 1.33 1.10 1.10 1.15 1.29 1.46 1.36 1.42 1.65 1.42
Price to Revenue (P/Rev)		 2.21 2.52 2.10 1.99 2.01 2.45 2.74 2.59 3.02 3.37 3.01
Price to Earnings (P/E)		 10.94 10.23 8.08 7.30 7.34 9.35 10.53 10.11 11.88 12.38 11.22
Dividend Yield		 1.69% 1.68% 2.01% 2.09% 2.09% 1.76% 1.60% 1.73% 1.62% 1.45% 1.65%
Earnings Yield		 9.14% 9.78% 12.38% 13.71% 13.63% 10.70% 9.50% 9.89% 8.41% 8.08% 8.92%
Enterprise Value to Invested Capital (EV/IC)		 0.52 0.77 0.73 0.65 0.66 0.79 0.87 0.77 0.71 0.76 0.67
Enterprise Value to Revenue (EV/Rev)		 1.93 3.30 3.06 2.50 2.54 3.14 3.54 3.23 3.19 3.28 2.93
Enterprise Value to EBITDA (EV/EBITDA)		 4.06 8.44 7.58 6.00 6.08 7.80 8.85 8.12 8.12 7.84 7.05
Enterprise Value to EBIT (EV/EBIT)		 4.33 9.22 8.19 6.42 6.54 8.43 9.61 8.89 8.84 8.49 7.67
Enterprise Value to NOPAT (EV/NOPAT)		 5.28 12.68 11.22 8.76 8.89 11.45 12.99 12.06 12.00 11.57 10.47
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.87 4.70 6.41 5.68 7.01 9.58 10.95 12.04 15.87 11.15 9.47
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 41.49 0.00 0.00 96.92 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.74 0.75 0.72 0.67 0.73 0.68 0.73 0.78 0.68 0.67 0.64
Long-Term Debt to Equity		 0.65 0.63 0.60 0.54 0.60 0.68 0.62 0.67 0.58 0.58 0.56
Financial Leverage		 0.65 0.77 0.75 0.59 0.74 0.71 0.72 0.73 0.70 0.67 0.68
Leverage Ratio		 11.08 11.09 10.85 10.77 11.18 10.71 10.57 10.78 10.45 10.32 10.26
Compound Leverage Factor		 11.08 11.09 10.85 10.77 11.18 10.71 10.57 10.78 10.45 10.32 10.26
Debt to Total Capital		 42.69% 42.90% 41.72% 40.15% 42.20% 40.42% 42.04% 43.91% 40.58% 40.05% 39.07%
Short-Term Debt to Total Capital		 5.53% 7.10% 6.78% 7.90% 7.42% 0.00% 6.13% 6.14% 6.01% 5.05% 4.89%
Long-Term Debt to Total Capital		 37.16% 35.80% 34.94% 32.25% 34.77% 40.42% 35.91% 37.77% 34.57% 34.99% 34.18%
Preferred Equity to Total Capital		 5.10% 4.91% 4.79% 4.90% 4.75% 4.55% 4.40% 4.18% 3.83% 3.90% 3.81%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 52.22% 52.20% 53.51% 54.98% 53.07% 55.03% 53.62% 51.97% 55.65% 56.11% 57.21%
Debt to EBITDA		 3.36 4.71 4.31 3.72 3.89 4.01 4.27 4.65 4.67 4.13 4.09
Net Debt to EBITDA		 -0.98 1.47 1.90 0.78 0.84 1.26 1.55 1.18 -0.01 -0.61 -0.60
Long-Term Debt to EBITDA		 2.93 3.93 3.61 2.99 3.21 4.01 3.65 4.00 3.98 3.61 3.58
Debt to NOPAT		 4.37 7.07 6.38 5.43 5.69 5.88 6.26 6.91 6.90 6.10 6.07
Net Debt to NOPAT		 -1.27 2.21 2.81 1.13 1.23 1.86 2.28 1.75 -0.01 -0.91 -0.89
Long-Term Debt to NOPAT		 3.80 5.90 5.35 4.36 4.69 5.88 5.35 5.94 5.88 5.33 5.31
Noncontrolling Interest Sharing Ratio		 9.12% 8.87% 8.66% 8.42% 8.53% 8.09% 7.82% 7.73% 7.16% 6.97% 6.73%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -1,103 -209 -395 -1,202 -421 -539 -587 -1,294 -1,923 -1,334 -1,264
Operating Cash Flow to CapEx		 1,644.78% 2,000.55% 748.89% 189,805.03% 443.50% 1,442.44% 671.05% 564.96% -369.06% 2,507.37% 0.00%
Free Cash Flow to Firm to Interest Expense		 -16.96 -1.69 -2.17 -4.82 -1.40 -1.66 -1.72 -3.41 -4.74 -3.44 -3.51
Operating Cash Flow to Interest Expense		 3.57 2.58 0.38 1.36 0.29 0.77 0.21 0.58 -0.15 1.26 0.33
Operating Cash Flow Less CapEx to Interest Expense		 3.35 2.45 0.33 1.36 0.23 0.71 0.18 0.48 -0.19 1.21 0.35
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.86 2.56 2.34 2.88 2.98 3.00 3.07 3.18 3.14 3.21 3.27
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 8,092 8,400 8,606 8,424 8,677 9,063 9,380 9,871 10,770 10,582 10,833
Invested Capital Turnover		 0.29 0.24 0.25 0.28 0.27 0.26 0.26 0.26 0.25 0.25 0.25
Increase / (Decrease) in Invested Capital		 1,246 354 575 1,357 585 662 774 1,447 2,093 1,519 1,453
Enterprise Value (EV)		 4,177 6,462 6,312 5,456 5,726 7,128 8,180 7,565 7,596 8,042 7,292
Market Capitalization		 4,768 4,926 4,319 4,339 4,519 5,560 6,334 6,058 7,193 8,260 7,502
Book Value per Share		 $69.57 $72.16 $75.47 $75.69 $75.23 $81.44 $81.81 $83.07 $90.12 $89.30 $92.90
Tangible Book Value per Share		 $58.43 $61.04 $64.42 $64.53 $64.12 $70.34 $70.78 $72.11 $76.22 $75.49 $79.21
Total Capital		 8,092 8,400 8,606 8,424 8,677 9,063 9,380 9,871 10,770 10,582 10,833
Total Debt		 3,454 3,604 3,591 3,382 3,661 3,663 3,944 4,335 4,370 4,238 4,233
Total Long-Term Debt		 3,007 3,007 3,007 2,717 3,017 3,663 3,368 3,728 3,723 3,703 3,703
Net Debt		 -1,004 1,124 1,581 705 795 1,156 1,433 1,095 -9.14 -630 -622
Capital Expenditures (CapEx)		 14 16 9.14 0.18 20 17 11 39 17 20 -7.30
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 3,454 3,604 3,591 3,382 3,661 3,663 3,944 4,335 4,370 4,238 4,233
Total Depreciation and Amortization (D&A)		 17 15 15 12 24 18 18 20 20 21 23
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.24 $2.28 $2.84 $2.41 $2.57 $1.90 $2.93 $2.35 $2.51 $2.68 $2.73
Adjusted Weighted Average Basic Shares Outstanding		 60.74M 59.21M 60.95M 61.19M 61.21M 61.15M 61.48M 61.84M 64.89M 63.69M 66.73M
Adjusted Diluted Earnings per Share		 $2.21 $2.25 $2.80 $2.38 $2.53 $1.87 $2.89 $2.32 $2.47 $2.63 $2.69
Adjusted Weighted Average Diluted Shares Outstanding		 61.58M 60.09M 61.82M 62.09M 62.18M 62.09M 62.41M 62.77M 65.94M 64.70M 67.65M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 60.77M 61.02M 61.19M 61.21M 61.24M 61.47M 61.75M 66.50M 66.49M 66.71M 66.93M
Normalized Net Operating Profit after Tax (NOPAT)		 143 145 180 155 164 123 187 152 170 185 189
Normalized NOPAT Margin		 28.43% 26.30% 31.85% 27.61% 28.56% 21.63% 30.97% 25.75% 27.61% 29.03% 29.39%
Pre Tax Income Margin		 39.78% 35.44% 43.05% 37.72% 39.12% 28.95% 41.33% 35.71% 37.79% 39.63% 39.35%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.08 1.57 1.34 0.85 0.75 0.51 0.73 0.56 0.57 0.65 0.70
NOPAT to Interest Expense		 2.20 1.17 0.99 0.62 0.55 0.38 0.55 0.40 0.42 0.48 0.52
EBIT Less CapEx to Interest Expense		 2.86 1.45 1.29 0.85 0.68 0.46 0.70 0.45 0.53 0.60 0.72
NOPAT Less CapEx to Interest Expense		 1.98 1.04 0.94 0.62 0.48 0.33 0.52 0.30 0.38 0.43 0.54
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 22.70% 21.23% 20.12% 18.96% 18.93% 20.19% 20.41% 21.10% 21.76% 20.61% 21.44%
Augmented Payout Ratio		 22.70% 21.23% 20.12% 18.96% 18.93% 20.19% 20.41% 21.10% 21.76% 20.61% 21.44%

Key Financial Trends

Wintrust Financial Corp (NASDAQ: WTFC) exhibited solid financial performance through the last four years with notable trends in earnings, revenue, and balance sheet strength.

Positive Highlights:

  • Consistent growth in net income: From $137.8 million in Q3 2022 to $182 million in Q1 2025, demonstrating steady profitability improvement over this period.
  • Increasing diluted earnings per share (EPS): From $2.21 in Q3 2022 to $2.69 in Q1 2025, indicating growing shareholder value on a per-share basis.
  • Rising total assets: Increased from $52.4 billion in Q3 2022 to $65.9 billion in Q1 2025, reflecting expansion in the company’s asset base and lending operations.
  • Loans and leases, net of allowance, grew from approximately $37.9 billion in Q3 2022 to roughly $48.3 billion in Q1 2025, reinforcing loan portfolio growth and strong core banking activity.
  • Strong deposit growth, particularly in interest-bearing deposits which rose significantly from about $29.3 billion in Q3 2022 to $42.4 billion in Q1 2025, indicating enhanced funding capabilities.
  • Stable net interest income around $450 million to $530 million quarterly, with Q1 2025 recording $526 million, showing effective interest margin management despite fluctuating interest rates.
  • Substantial cash flow generation from operating activities (e.g., $120 million in Q1 2025), supporting ongoing investment and financing needs sustainably.
  • Increasing total common equity from approximately $4.2 billion in Q3 2022 to $6.2 billion in Q1 2025, contributing to a stronger capital position.

Neutral Observations:

  • Provision for credit losses fluctuated, with a recent figure of $24 million in Q1 2025 compared to $6.4 million in Q3 2022, suggesting variability in loan loss expectations but no alarming trend.
  • Modest fluctuations in non-interest income sources like trust fees, service charges, and capital gains which slightly varied quarter to quarter.

Negative or Cautionary Notes:

  • Increase in total non-interest expense from $296 million in Q3 2022 to about $366 million in Q1 2025, which could pressure margins if revenue growth slows.
  • Allowance for loan and lease losses rose from $315 million in Q3 2022 to $448 million in Q1 2025, signaling cautious credit risk provisions amid loan book growth.
  • Negative trends in net realized and unrealized capital gains in some quarters, including a sizable negative $8.3 million in Q4 2022, indicating some investment portfolio volatility.
  • Moderate increase in long-term debt from about $3.0 billion in 2022 to $3.7 billion in 2025, slightly increasing leverage risk.
  • Accumulated other comprehensive income showed larger negative balances over time (from approximately -$367 million in Q1 2023 to about -$410 million in Q1 2025), reflecting some unrealized losses or valuation changes on certain assets.

Summary: Wintrust Financial has demonstrated consistent growth in critical areas such as net income, loans, deposits, and capital. Its ability to generate cash from operations remains strong, supporting ongoing investments and shareholder returns. However, rising expenses, increased allowance for loan losses, and some investment portfolio volatility warrant attention. Overall, the financial trends suggest a well-managed bank with solid fundamentals and cautious credit risk management amid expansion.

08/29/25 01:40 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Wintrust Financial's Financials

When does Wintrust Financial's fiscal year end?

According to the most recent income statement we have on file, Wintrust Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Wintrust Financial's net income changed over the last 9 years?

Wintrust Financial's net income appears to be on an upward trend, with a most recent value of $695.05 million in 2024, rising from $156.75 million in 2015. The previous period was $622.63 million in 2023. See Wintrust Financial's forecast for analyst expectations on what’s next for the company.

How has Wintrust Financial's revenue changed over the last 9 years?

Over the last 9 years, Wintrust Financial's total revenue changed from $913.13 million in 2015 to $2.45 billion in 2024, a change of 168.4%.

How much debt does Wintrust Financial have?

Wintrust Financial's total liabilities were at $58.54 billion at the end of 2024, a 15.1% increase from 2023, and a 184.7% increase since 2015.

How much cash does Wintrust Financial have?

In the past 9 years, Wintrust Financial's cash and equivalents has ranged from $267.19 million in 2016 to $490.91 million in 2022, and is currently $452.02 million as of their latest financial filing in 2024.

How has Wintrust Financial's book value per share changed over the last 9 years?

Over the last 9 years, Wintrust Financial's book value per share changed from 43.44 in 2015 to 89.30 in 2024, a change of 105.6%.


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This page (NASDAQ:WTFC) was last updated on 8/29/2025 by MarketBeat.com Staff
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