Wintrust Financial (WTFC) Financials

$131.42 -0.19 (-0.14%)

Closing price 10/9/2025 04:00 PM Eastern

Extended Trading

$131.42 0.00 (0.00%)

As of 10/9/2025 05:22 PM Eastern

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

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

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

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

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

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

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%

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%

Financials Breakdown Chart

Key Financial Trends

Wintrust Financial (NASDAQ: WTFC) has demonstrated consistent financial growth trends over the past several years through its quarterly financial statements for 2022, 2023, and the first quarter of 2025. Here are the key observations and trends based on the income statements, balance sheets, and cash flow statements analysis:

Increasing Net Interest Income: Net interest income has generally increased from $401 million in Q3 2022 to approximately $526 million in Q1 2025, showing growth in the core banking business of loans and leases interest income, which reached around $778 million in Q1 2025.
Growth in Total Revenue: Total revenue increased steadily year-over-year, with Q1 2025 reporting approximately $643 million compared to roughly $502 million in Q3 2022 and $566 million in Q1 2023, indicating solid business expansion and diversified income sources.
Consistent Net Income Growth: Net income attributable to common shareholders increased steadily, reaching $182 million in Q1 2025 from $135 million in Q3 2022, reflecting improved profitability.
Growing Loan Portfolio: Loans and leases have grown from $38.2 billion in Q3 2022 to $48.7 billion by Q1 2025, supporting future interest income growth.
Improved Earnings Per Share: Basic earnings per share rose to $2.73 in Q1 2025 from $2.24 in Q3 2022, indicating enhanced shareholder value.
Increasing Deposits: Total deposits grew significantly to approximately $53.6 billion in Q1 2025 from about $43.9 billion in Q3 2022, strengthening the bank's funding base.
Salaries and Employee Benefits Expense: These expenses slightly increased over time to about $211 million in Q1 2025 compared to about $176 million in Q3 2022, reflecting growth in staffing and operations.
Marketing and Other Operating Expenses: Expenses on marketing and other operating areas have increased modestly, which could indicate proactive growth investments.
Allowance for Loan and Lease Losses increased but manageable: The allowance rose to approximately $448 million in Q1 2025 compared to $315 million in Q3 2022, which aligns with loan portfolio growth but should be monitored for credit quality.
Provision for Credit Losses Fluctuations: Credit loss provisions have shown variability, peaking near $47.6 million in Q4 2022 and oscillating with loan growth. While it aligns with credit risk management, rising provisions could pressure future earnings.

Summary: Wintrust Financial shows strong revenue and earnings growth driven by an expanding loan portfolio and increasing deposits. The company has maintained profitability gains and improved EPS over recent quarters. Expense growth appears controlled in relation to revenue increases, pointing to operational efficiency. Credit loss provisions and allowances are rising in line with loan growth but require ongoing monitoring to manage credit risk. Overall, Wintrust Financial exhibits positive financial health and growth trajectory suitable for long-term investors.

10/10/25 04:59 AM ETAI Generated. May Contain Errors.

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. View Wintrust Financial's forecast to see where analysts expect Wintrust Financial to go next.

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 10/10/2025 by MarketBeat.com Staff

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Wintrust Financial (WTFC) Financials

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Wintrust Financial (WTFC) Financials

Annual Income Statements for Wintrust Financial

Quarterly Income Statements for Wintrust Financial

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Quarterly Cash Flow Statements for Wintrust Financial

Annual Balance Sheets for Wintrust Financial

Quarterly Balance Sheets for Wintrust Financial

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Quarterly Metrics And Ratios for Wintrust Financial

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Key Financial Trends

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