Free Trial
→ Your book attached (From Profits Run) (Ad)tc pixel Free WTFC Stock Alerts

Wintrust Financial (WTFC) Financials

Wintrust Financial logo
$146.49 -0.14 (-0.10%)
Closing price 04:00 PM Eastern
Extended Trading
$146.43 -0.06 (-0.04%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
Compare
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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 146 - - - 347 272 438 482 595 667 774
Consolidated Net Income / (Loss)		 157 - - - 356 293 466 510 623 695 824
Net Income / (Loss) Continuing Operations		 157 - - - 381 -1,026 466 510 623 695 824
Total Pre-Tax Income 		252 - - - 480 -929 638 701 845 947 1,118
Total Revenue		 913 - - - 1,487 288 1,711 1,956 2,272 2,451 2,726
Net Interest Income / (Expense)		 642 - - - 1,055 1,040 1,125 1,495 1,838 1,963 2,224
Total Interest Income		 718 - - - 1,385 1,293 1,275 1,747 2,893 3,478 3,728
Loans and Leases Interest Income		 656 - - - 1,247 6.89 1,173 1,538 2,574 3,086 3,262
Investment Securities Interest Income		 61 - - - 108 100 95 161 239 276 332
Deposits and Money Market Investments Interest Income		 1.49 - - - 30 8.55 6.61 43 79 115 133
Federal Funds Sold and Securities Borrowed Interest Income		 0.00 - - - 0.70 0.10 0.17 4.90 1.81 0.37 0.61
Trading Account Interest Income		 0.11 - - - 0.04 - 0.01 0.02 0.04 0.05 0.01
Total Interest Expense		 77 - - - 330 253 151 252 1,055 1,515 1,504
Deposits Interest Expense		 49 - - - 279 189 88 175 906 1,344 1,342
Long-Term Debt Interest Expense		 28 - - - 51 51 62 77 149 171 162
Total Non-Interest Income		 272 - - - 407 413 586 461 434 488 502
Trust Fees by Commissions		 73 - - - - - 124 127 131 146 147
Service Charges on Deposit Accounts		 - - - - - - 54 59 55 66 79
Other Service Charges		 195 - - - 221 414 82 82 109 127 114
Net Realized & Unrealized Capital Gains on Investments		 0.08 - - - 3.37 -1.00 -0.81 -17 2.67 -2.10 8.33
Other Non-Interest Income		 2.73 - - - 209 - 327 211 136 152 153
Provision for Credit Losses		 33 - - - 54 214 -59 79 114 101 96
Total Non-Interest Expense		 628 - - - 928 1,040 1,133 1,177 1,312 1,403 1,512
Salaries and Employee Benefits		 382 - - - 546 626 692 696 748 817 873
Net Occupancy & Equipment Expense		 109 - - - 144 169 230 236 263 284 313
Marketing Expense		 22 - - - 49 36 47 59 65 62 64
Property & Liability Insurance Claims		 12 - - - 9.20 25 27 29 71 46 44
Other Operating Expenses		 97 - - - 132 136 129 151 160 182 196
Amortization Expense		 4.62 - - - 12 11 7.73 6.12 5.50 12 21
Income Tax Expense		 95 - - - 124 97 172 191 222 252 295
Preferred Stock Dividends Declared		 11 - - - 8.20 21 28 28 28 28 50
Basic Earnings per Share		 $3.05 - - - $6.11 $4.72 $7.69 $8.14 $9.72 $10.47 $11.57
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 66.90M
Diluted Earnings per Share		 $2.93 - - - $6.03 $4.68 $7.58 $8.02 $9.58 $10.31 $11.40
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 67.89M
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 67.27M
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 $2.00

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 157 116 180 145 163 178 182 189 189 215 219
Consolidated Net Income / (Loss)		 164 123 187 152 170 185 189 196 216 223 227
Net Income / (Loss) Continuing Operations		 164 123 187 152 170 185 189 196 216 223 227
Total Pre-Tax Income 		225 165 250 211 233 253 253 267 296 302 301
Total Revenue		 575 571 605 592 616 639 643 671 698 714 713
Net Interest Income / (Expense)		 462 470 464 471 503 525 526 547 567 584 579
Total Interest Income		 762 794 806 850 909 914 887 921 964 956 928
Loans and Leases Interest Income		 675 703 719 760 806 800 778 808 842 834 808
Investment Securities Interest Income		 59 68 70 70 70 67 72 78 86 95 100
Deposits and Money Market Investments Interest Income		 27 22 17 20 33 46 37 34 35 27 19
Federal Funds Sold and Securities Borrowed Interest Income		 1.16 0.58 0.02 0.02 0.28 0.05 0.18 0.28 0.08 0.08 0.06
Trading Account Interest Income		 0.01 0.02 0.02 0.01 0.01 0.01 0.01 0.00 0.00 - 0.00
Total Interest Expense		 300 324 341 379 406 388 360 374 397 372 349
Deposits Interest Expense		 263 285 300 336 362 346 320 333 356 332 309
Long-Term Debt Interest Expense		 37 38 42 44 44 42 40 41 41 40 39
Total Non-Interest Income		 112 101 141 121 113 113 117 124 131 130 134
Trust Fees by Commissions		 34 33 35 35 37 39 34 37 37 39 42
Service Charges on Deposit Accounts		 14 15 15 16 16 19 19 20 20 20 21
Other Service Charges		 25 29 47 31 25 23 24 29 31 30 29
Net Realized & Unrealized Capital Gains on Investments		 -1.63 1.98 2.00 -4.21 3.06 -2.95 3.13 0.80 3.14 1.25 -0.02
Other Non-Interest Income		 41 22 42 43 31 36 36 38 40 39 43
Provision for Credit Losses		 20 43 22 40 22 17 24 22 22 28 30
Total Non-Interest Expense		 330 363 333 340 361 369 366 381 380 384 383
Salaries and Employee Benefits		 192 194 195 199 211 212 212 220 220 223 228
Net Occupancy & Equipment Expense		 70 65 67 69 72 76 77 80 78 79 78
Marketing Expense		 18 17 13 17 18 13 12 19 19 14 13
Property & Liability Insurance Claims		 9.75 44 15 10 11 11 11 11 11 11 11
Other Operating Expenses		 38 41 42 44 45 51 49 47 47 53 47
Amortization Expense		 1.41 1.36 1.16 1.12 4.04 5.77 5.62 5.58 5.20 5.00 4.96
Income Tax Expense		 61 42 63 59 63 68 64 72 80 79 74
Preferred Stock Dividends Declared		 6.99 6.99 6.99 6.99 6.99 6.99 6.99 6.99 27 8.37 8.37
Basic Earnings per Share		 $2.57 $1.90 $2.93 $2.35 $2.51 $2.68 $2.73 $2.82 $2.82 $3.20 $3.26
Weighted Average Basic Shares Outstanding		 61.21M 61.15M 61.48M 61.84M 64.89M 63.69M 66.73M 66.93M 66.95M 66.90M 67.25M
Diluted Earnings per Share		 $2.53 $1.87 $2.89 $2.32 $2.47 $2.63 $2.69 $2.78 $2.78 $3.15 $3.22
Weighted Average Diluted Shares Outstanding		 62.18M 62.09M 62.41M 62.77M 65.94M 64.70M 67.65M 67.82M 67.98M 67.89M 68.10M
Weighted Average Basic & Diluted Shares Outstanding		 61.24M 61.47M 61.75M 66.50M 66.49M 66.71M 66.93M 66.95M 66.97M 67.27M 67.45M
Cash Dividends to Common per Share		 $0.40 $0.40 $0.45 $0.45 $0.45 $0.45 $0.50 $0.50 $0.50 $0.50 $0.55

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 45 -5.75 7.55 115 -106 36 89 80 -68 35 9.40
Net Cash From Operating Activities		 39 311 402 377 266 -518 1,131 1,375 744 722 910
Net Cash From Continuing Operating Activities		 39 311 402 377 266 -518 1,131 1,375 744 722 910
Net Income / (Loss) Continuing Operations		 157 207 258 343 356 293 466 510 623 695 824
Consolidated Net Income / (Loss)		 157 207 258 343 356 293 466 510 623 695 824
Provision For Loan Losses		 33 34 30 35 54 214 -59 79 114 101 96
Depreciation Expense		 41 53 63 68 88 96 102 82 85 100 119
Amortization Expense		 -31 -30 -17 -13 -20 -71 -77 -17 -16 -21 -30
Non-Cash Adjustments to Reconcile Net Income		 -7.05 -28 163 92 -64 -966 442 426 -23 34 6.99
Changes in Operating Assets and Liabilities, net		 -154 75 -95 -147 -148 -85 257 295 -39 -188 -104
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 -6,169
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 -6,169
Purchase of Property, Leasehold Improvements and Equipment		 -43 -34 -59 -68 -82 -64 -57 -53 -46 -86 -50
Purchase of Investment Securities		 -4,208 -6,677 -3,021 -3,308 -6,088 -10,137 -7,692 -4,688 -6,091 -9,618 -8,936
Sale and/or Maturity of Investments		 2,608 4,218 792 612 2,149 3,018 1,820 640 2,487 3,834 2,817
Other Investing Activities, net		 1.86 1.21 -15 - 1.96 0.08 0.21 -89 413 -76 0.00
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 5,268
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 5,268
Net Change in Deposits		 1,381 2,769 1,525 2,547 3,142 6,986 5,007 807 2,495 4,805 5,205
Issuance of Debt		 160 - 403 137 545 554 13 1,075 10 825 300
Issuance of Preferred Equity		 121 - - 0.00 0.00 278 - - 0.00 0.00 414
Issuance of Common Equity		 16 169 28 16 11 15 20 297 8.31 6.69 7.22
Repayment of Debt		 0.00 -722 -4.89 -148 15 89 -28 125 41 -224 -74
Repurchase of Preferred Equity		 - - - - - - - - 0.00 0.00 -413
Payment of Dividends		 -30 -39 -41 -51 -65 -86 -99 -108 -126 -143 -169
Other Financing Activities, Net		 - -1.27 -1.10 -0.65 -1.36 -5.90 -17 -0.30 -1.97 -10 -3.00
Cash Interest Paid		 78 91 113 198 327 257 157 239 1,026 1,518 1,489
Cash Income Taxes Paid		 95 95 77 69 61 105 179 153 232 253 222

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -96 5.32 -44 36 316 -273 158 79 -130 -98 76
Net Cash From Operating Activities		 88 248 71 221 -62 491 120 329 210 252 927
Net Cash From Continuing Operating Activities		 88 248 71 221 -62 491 120 329 210 252 927
Net Income / (Loss) Continuing Operations		 164 123 187 152 170 185 189 196 216 223 227
Consolidated Net Income / (Loss)		 164 123 187 152 170 185 189 196 216 223 227
Provision For Loan Losses		 20 43 22 40 22 17 24 22 22 28 30
Depreciation Expense		 28 22 21 24 26 29 29 31 29 30 30
Amortization Expense		 -3.58 -3.80 -3.41 -4.06 -5.78 -7.86 -6.44 -5.69 -7.38 -11 6.41
Non-Cash Adjustments to Reconcile Net Income		 36 -9.40 -53 -86 26 147 77 21 -123 32 -54
Changes in Operating Assets and Liabilities, net		 -156 73 -103 95 -300 120 -193 65 74 -50 688
Net Cash From Investing Activities		 -1,396 -610 -1,419 -2,145 -663 -1,718 -973 -2,948 -740 -1,508 -1,867
Net Cash From Continuing Investing Activities		 -1,396 -610 -1,419 -2,145 -663 -1,718 -973 -2,948 -740 -1,508 -1,867
Purchase of Property, Leasehold Improvements and Equipment		 -20 -17 -11 -39 -17 -20 7.30 -17 -17 -23 -13
Purchase of Investment Securities		 -1,883 -825 -2,276 -2,858 -1,481 -3,005 -1,170 -3,582 -1,377 -2,806 -2,138
Sale and/or Maturity of Investments		 130 618 867 803 156 2,010 189 652 655 1,321 283
Other Investing Activities, net		 376 -386 - - 679 -704 0.87 - - - 1.43
Net Cash From Financing Activities		 1,212 367 1,304 1,960 1,041 955 1,011 2,698 400 1,158 1,016
Net Cash From Continuing Financing Activities		 1,212 367 1,304 1,960 1,041 955 1,011 2,698 400 1,158 1,016
Net Change in Deposits		 954 404 1,052 1,600 1,046 1,107 1,058 2,247 895 1,006 1,197
Issuance of Common Equity		 1.50 1.64 2.10 1.19 1.61 1.80 1.82 1.93 1.63 1.83 1.91
Repayment of Debt		 - 41 -62 -78 - -84 -4.80 75 -37 -107 -133
Payment of Dividends		 -31 -31 -34 -35 -37 -37 -40 -40 -47 -42 -45
Other Financing Activities, Net		 - -0.25 -3.54 0.00 -0.34 -6.22 -3.00 - 0.01 -0.01 -4.81

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 2025
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 12/31/2025
Total Assets		 22,909 25,669 27,916 31,245 36,621 45,081 50,142 52,950 56,260 64,880 71,142
Cash and Due from Banks		 271 267 278 392 286 322 411 491 423 452 468
Federal Funds Sold		 4.34 2.85 0.06 0.06 0.31 0.06 700 0.06 0.06 6.52 0.06
Interest Bearing Deposits at Other Banks		 608 980 1,063 1,100 2,165 4,803 5,373 1,989 2,084 4,410 3,181
Trading Account Securities		 2,602 2,362 2,721 3,493 4,670 4,999 818 8,217 8,487 8,305 7,476
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 52,645
Loans and Leases		 17,267 19,761 21,641 23,821 26,800 32,079 - 39,196 42,132 48,055 53,105
Allowance for Loan and Lease Losses		 108 124 138 153 157 380 - 357 427 437 460
Premises and Equipment, Net		 655 727 834 904 754 769 766 765 749 779 782
Goodwill		 472 499 502 573 645 646 655 654 657 797 798
Intangible Assets		 24 22 18 49 47 36 28 22 23 122 98
Other Assets		 726 752 684 801 1,410 1,747 26 1,886 2,049 2,317 5,614
Total Liabilities & Shareholders' Equity		 22,909 25,669 27,916 31,245 36,621 45,081 50,142 52,950 56,260 64,880 71,142
Total Liabilities		 20,557 22,973 24,939 27,977 32,929 40,965 42,096 48,153 50,860 58,535 63,883
Non-Interest Bearing Deposits		 4,836 5,927 6,792 6,570 7,217 11,748 14,180 12,668 10,420 11,410 11,424
Interest Bearing Deposits		 13,803 15,731 16,391 19,525 22,890 25,344 27,916 30,234 34,977 41,102 46,293
Long-Term Debt		 1,527 809 952 819 1,783 1,919 - 3,007 3,663 3,703 4,481
Other Long-Term Liabilities		 391 505 537 670 1,039 1,435 - 1,647 1,800 1,785 1,685
Total Equity & Noncontrolling Interests		 2,352 2,696 2,977 3,268 3,691 4,116 4,499 4,797 5,400 6,344 7,259
Total Preferred & Common Equity		 2,352 2,696 2,977 3,268 3,691 4,116 4,499 4,797 5,400 6,344 7,259
Preferred Stock		 251 251 - - 125 413 413 413 413 413 425
Total Common Equity		 2,101 2,444 2,977 3,268 3,566 3,703 4,086 4,385 4,987 5,938 6,834
Common Stock		 1,239 1,418 1,585 1,615 1,708 1,708 1,744 1,963 2,005 2,549 2,601
Retained Earnings		 928 1,097 1,314 1,611 1,900 2,080 2,448 2,849 3,345 3,897 4,538
Treasury Stock		 -3.97 -4.59 -4.99 -5.63 -6.93 -100 -110 - -2.22 - -9.16
Accumulated Other Comprehensive Income / (Loss)		 -63 -65 -42 -77 -35 15 4.09 -428 -361 -508 -296

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 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 52,383 52,874 54,286 55,555 57,577 59,782 63,788 65,870 68,983 69,630 72,157
Cash and Due from Banks		 490 446 514 418 380 415 725 616 696 565 544
Federal Funds Sold		 0.06 0.06 0.06 0.06 0.06 0.06 5.66 0.06 0.06 0.06 0.07
Interest Bearing Deposits at Other Banks		 3,969 1,564 2,164 2,449 2,131 2,824 3,648 4,238 4,570 3,422 3,052
Trading Account Securities		 6,804 8,221 7,515 7,962 8,659 8,614 8,180 8,372 8,961 9,110 10,962
Loans and Leases, Net of Allowance		 37,853 39,190 40,636 41,047 42,804 44,238 46,632 48,260 50,585 51,609 53,600
Loans and Leases		 38,168 39,565 41,023 41,446 43,231 44,676 47,067 48,708 51,042 52,063 54,071
Allowance for Loan and Lease Losses		 315 376 387 399 427 437 436 448 457 454 471
Premises and Equipment, Net		 763 760 749 748 745 722 772 777 776 775 778
Goodwill		 653 654 657 656 656 656 801 797 798 798 798
Intangible Assets		 24 21 26 24 22 21 124 116 110 105 93
Other Assets		 1,760 1,931 1,941 2,168 2,102 2,217 2,275 2,161 2,182 3,177 2,251
Total Liabilities & Shareholders' Equity		 52,383 52,874 54,286 55,555 57,577 59,782 63,788 65,870 68,983 69,630 72,157
Total Liabilities		 47,745 47,858 49,244 50,540 52,141 54,245 57,389 59,270 61,758 62,584 64,779
Non-Interest Bearing Deposits		 13,529 11,236 10,605 10,347 9,908 10,031 10,739 11,202 10,877 10,952 12,113
Interest Bearing Deposits		 29,268 31,482 33,434 34,646 36,541 38,018 40,666 42,368 44,940 45,759 46,801
Short-Term Debt		 447 584 665 644 575 607 647 529 625 - 341
Long-Term Debt		 3,007 3,007 2,717 3,017 3,368 3,728 3,723 3,703 3,703 4,283 4,004
Other Long-Term Liabilities		 1,494 1,549 1,823 1,886 1,748 1,861 1,614 1,467 1,573 1,590 1,521
Total Equity & Noncontrolling Interests		 4,638 5,016 5,042 5,016 5,436 5,537 6,400 6,601 7,226 7,046 7,378
Total Preferred & Common Equity		 4,638 5,016 5,042 5,016 5,436 5,537 6,400 6,601 7,226 7,046 7,378
Preferred Stock		 413 413 413 413 413 413 413 413 838 425 425
Total Common Equity		 4,225 4,605 4,631 4,605 5,030 5,130 5,993 6,197 6,397 6,621 6,967
Common Stock		 1,952 1,975 1,985 1,994 2,016 2,026 2,537 2,561 2,563 2,588 2,614
Retained Earnings		 2,732 2,997 3,121 3,253 3,498 3,616 3,749 4,046 4,201 4,356 4,720
Accumulated Other Comprehensive Income / (Loss)		 -459 -367 -474 -643 -485 -512 -292 -410 -366 -315 -367
Other Equity Adjustments		 0.00 0.00 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 2025
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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 66,971,158.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 66,971,158.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 12.30
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $11.57
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 66.90M
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 $11.40
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 67.89M
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		 48.43M 52.39M 56.22M 56.30M 56.86M 57.52M 57.24M 61.02M 61.47M 66.71M 67.27M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 66,971,158.00 67,270,487.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 66,971,158.00 67,270,487.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 3.33 3.38
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 14.30% 3.66% 6.90% 5.56% 7.11% 11.88% 6.34% 13.35% 13.33% - 10.89%
EBITDA Growth		 14.75% -12.80% 3.73% 3.43% 1.53% 49.45% 3.02% 26.54% 25.55% - 22.16%
EBIT Growth		 12.41% -15.34% 2.63% -0.04% 3.49% 53.16% 1.24% 26.38% 27.22% - 18.92%
NOPAT Growth		 14.86% -14.73% 3.94% -1.53% 3.53% 50.12% 0.93% 28.31% 27.21% - 20.29%
Net Income Growth		 14.86% -14.73% 3.94% -1.53% 3.53% 50.12% 0.93% 28.31% 27.21% - 20.29%
EPS Growth		 14.48% -16.89% 3.21% -2.52% -2.37% 40.64% -6.92% 19.83% 12.55% - 19.70%
Operating Cash Flow Growth		 -61.93% -22.48% 3.92% -34.88% -169.83% 97.97% 68.37% 48.78% 440.41% - 674.24%
Free Cash Flow Firm Growth		 61.85% -157.71% -48.64% -7.65% -357.07% -147.56% -115.46% -14.93% 82.19% - 47.63%
Invested Capital Growth		 7.23% 7.88% 8.99% 17.17% 24.12% 16.77% 15.49% 17.05% 5.19% - 8.21%
Revenue Q/Q Growth		 2.55% -0.70% 5.95% -2.15% 4.05% 3.71% 0.71% 4.30% 4.03% - -0.15%
EBITDA Q/Q Growth		 11.46% -26.22% 45.96% -13.82% 9.40% 8.61% 0.62% 5.85% 8.54% - 4.98%
EBIT Q/Q Growth		 6.35% -26.51% 51.27% -15.45% 10.11% 8.75% -0.01% 5.55% 10.84% - -0.42%
NOPAT Q/Q Growth		 6.11% -24.80% 51.68% -18.64% 11.56% 9.04% 1.98% 3.43% 10.60% - 1.96%
Net Income Q/Q Growth		 6.11% -24.80% 51.68% -18.64% 11.56% 9.04% 1.98% 3.43% 10.60% - 1.96%
EPS Q/Q Growth		 6.30% -26.09% 54.55% -19.72% 6.47% 6.48% 2.28% 3.35% 0.00% - 2.22%
Operating Cash Flow Q/Q Growth		 -74.02% 180.91% -71.31% 211.06% -127.85% 896.45% -75.60% 174.86% -36.27% - 268.43%
Free Cash Flow Firm Q/Q Growth		 65.01% -28.09% -8.86% -120.66% -48.55% 30.62% 5.26% -17.71% 76.98% - 29.20%
Invested Capital Q/Q Growth		 3.00% 4.45% 3.50% 5.24% 9.10% -1.74% 2.37% 6.66% -1.96% - -0.15%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.29% 32.17% 44.32% 39.03% 41.04% 42.97% 42.93% 43.57% 45.46% - 47.29%
EBIT Margin		 39.12% 28.95% 41.33% 35.71% 37.79% 39.63% 39.35% 39.82% 42.42% - 42.20%
Profit (Net Income) Margin		 28.56% 21.63% 30.97% 25.75% 27.61% 29.03% 29.39% 29.15% 30.99% - 31.88%
Tax Burden Percent		 73.02% 74.73% 74.93% 72.10% 73.05% 73.24% 74.70% 73.21% 73.05% - 75.56%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 26.98% 25.27% 25.07% 27.90% 26.95% 26.76% 25.30% 26.79% 26.95% - 24.44%
Return on Invested Capital (ROIC)		 7.67% 5.63% 7.96% 6.59% 6.77% 7.24% 7.24% 6.99% 7.43% - 7.91%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.67% 5.63% 7.96% 6.59% 6.77% 7.24% 7.24% 6.99% 7.43% - 7.91%
Return on Net Nonoperating Assets (RNNOA)		 5.65% 4.01% 5.74% 4.81% 4.76% 4.87% 4.92% 4.74% 4.78% - 4.85%
Return on Equity (ROE)		 13.33% 9.64% 13.70% 11.40% 11.53% 12.12% 12.16% 11.73% 12.22% - 12.76%
Cash Return on Invested Capital (CROIC)		 0.70% -0.46% -1.60% -8.96% -15.01% -8.39% -7.48% -8.81% 2.06% - -0.24%
Operating Return on Assets (OROA)		 1.63% 1.20% 1.73% 1.47% 1.51% 1.60% 1.59% 1.59% 1.69% - 1.71%
Return on Assets (ROA)		 1.19% 0.90% 1.30% 1.06% 1.10% 1.17% 1.19% 1.16% 1.23% - 1.29%
Return on Common Equity (ROCE)		 12.19% 8.86% 12.62% 10.52% 10.70% 11.27% 11.34% 10.60% 11.46% - 12.01%
Return on Equity Simple (ROE_SIMPLE)		 12.84% 0.00% 11.58% 11.33% 9.89% 0.00% 10.56% 10.24% 11.16% - 11.69%
Net Operating Profit after Tax (NOPAT)		 164 123 187 152 170 185 189 196 216 - 227
NOPAT Margin		 28.56% 21.63% 30.97% 25.75% 27.61% 29.03% 29.39% 29.15% 30.99% - 31.88%
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%
SG&A Expenses to Revenue		 48.81% 48.46% 45.47% 48.18% 48.97% 47.18% 46.81% 47.40% 45.32% - 44.89%
Operating Expenses to Revenue		 57.42% 63.53% 55.09% 57.52% 58.58% 57.71% 56.93% 56.87% 54.46% - 53.65%
Earnings before Interest and Taxes (EBIT)		 225 165 250 211 233 253 253 267 296 - 301
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 249 184 268 231 253 274 276 292 317 - 337
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.98 1.11 1.26 1.18 1.20 1.39 1.21 1.30 1.33 - 1.34
Price to Tangible Book Value (P/TBV)		 1.15 1.29 1.46 1.36 1.42 1.65 1.42 1.51 1.54 - 1.54
Price to Revenue (P/Rev)		 2.01 2.45 2.74 2.59 3.02 3.37 3.01 3.23 3.33 - 3.34
Price to Earnings (P/E)		 7.34 9.35 10.53 10.11 11.88 12.38 11.22 11.66 11.97 - 11.52
Dividend Yield		 2.09% 1.76% 1.60% 1.73% 1.62% 1.45% 1.65% 1.53% 1.48% - 1.48%
Earnings Yield		 13.63% 10.70% 9.50% 9.89% 8.41% 8.08% 8.92% 8.58% 8.35% - 8.68%
Enterprise Value to Invested Capital (EV/IC)		 0.66 0.79 0.87 0.77 0.71 0.76 0.67 0.71 0.84 - 0.90
Enterprise Value to Revenue (EV/Rev)		 2.54 3.14 3.54 3.23 3.19 3.28 2.93 3.19 3.60 - 3.76
Enterprise Value to EBITDA (EV/EBITDA)		 6.08 7.80 8.85 8.12 8.12 7.84 7.05 7.48 8.24 - 8.30
Enterprise Value to EBIT (EV/EBIT)		 6.54 8.43 9.61 8.89 8.84 8.49 7.67 8.15 8.93 - 9.02
Enterprise Value to NOPAT (EV/NOPAT)		 8.89 11.45 12.99 12.06 12.00 11.57 10.47 11.08 12.15 - 12.20
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.01 9.58 10.95 12.04 15.87 11.15 9.47 9.34 8.31 - 6.12
Enterprise Value to Free Cash Flow (EV/FCFF)		 96.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41.99 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.73 0.68 0.73 0.78 0.68 0.67 0.64 0.60 0.61 - 0.59
Long-Term Debt to Equity		 0.60 0.68 0.62 0.67 0.58 0.58 0.56 0.51 0.61 - 0.54
Financial Leverage		 0.74 0.71 0.72 0.73 0.70 0.67 0.68 0.68 0.64 - 0.61
Leverage Ratio		 11.18 10.71 10.57 10.78 10.45 10.32 10.26 10.09 9.92 - 9.87
Compound Leverage Factor		 11.18 10.71 10.57 10.78 10.45 10.32 10.26 10.09 9.92 - 9.87
Debt to Total Capital		 42.20% 40.42% 42.04% 43.91% 40.58% 40.05% 39.07% 37.46% 37.81% - 37.06%
Short-Term Debt to Total Capital		 7.42% 0.00% 6.13% 6.14% 6.01% 5.05% 4.89% 5.41% 0.00% - 2.91%
Long-Term Debt to Total Capital		 34.77% 40.42% 35.91% 37.77% 34.57% 34.99% 34.18% 32.05% 37.81% - 34.15%
Preferred Equity to Total Capital		 4.75% 4.55% 4.40% 4.18% 3.83% 3.90% 3.81% 7.25% 3.75% - 3.63%
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		 53.07% 55.03% 53.62% 51.97% 55.65% 56.11% 57.21% 55.37% 58.44% - 59.43%
Debt to EBITDA		 3.89 4.01 4.27 4.65 4.67 4.13 4.09 3.95 3.69 - 3.43
Net Debt to EBITDA		 0.84 1.26 1.55 1.18 -0.01 -0.61 -0.60 -0.85 0.25 - 0.59
Long-Term Debt to EBITDA		 3.21 4.01 3.65 4.00 3.98 3.61 3.58 3.38 3.69 - 3.16
Debt to NOPAT		 5.69 5.88 6.26 6.91 6.90 6.10 6.07 5.85 5.45 - 5.04
Net Debt to NOPAT		 1.23 1.86 2.28 1.75 -0.01 -0.91 -0.89 -1.27 0.38 - 0.87
Long-Term Debt to NOPAT		 4.69 5.88 5.35 5.94 5.88 5.33 5.31 5.01 5.45 - 4.64
Noncontrolling Interest Sharing Ratio		 8.53% 8.09% 7.82% 7.73% 7.16% 6.97% 6.73% 9.68% 6.18% - 5.83%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -421 -539 -587 -1,294 -1,923 -1,334 -1,264 -1,488 -342 - -662
Operating Cash Flow to CapEx		 443.50% 1,442.44% 671.05% 564.96% -369.06% 2,507.37% 0.00% 1,935.19% 1,218.87% - 7,018.80%
Free Cash Flow to Firm to Interest Expense		 -1.40 -1.66 -1.72 -3.41 -4.74 -3.44 -3.51 -3.98 -0.86 - -1.90
Operating Cash Flow to Interest Expense		 0.29 0.77 0.21 0.58 -0.15 1.26 0.33 0.88 0.53 - 2.66
Operating Cash Flow Less CapEx to Interest Expense		 0.23 0.71 0.18 0.48 -0.19 1.21 0.35 0.83 0.49 - 2.62
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 - 0.04
Fixed Asset Turnover		 2.98 3.00 3.07 3.18 3.14 3.21 3.27 3.43 3.43 - 3.60
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 8,677 9,063 9,380 9,871 10,770 10,582 10,833 11,554 11,328 - 11,722
Invested Capital Turnover		 0.27 0.26 0.26 0.26 0.25 0.25 0.25 0.24 0.24 - 0.25
Increase / (Decrease) in Invested Capital		 585 662 774 1,447 2,093 1,519 1,453 1,683 559 - 889
Enterprise Value (EV)		 5,726 7,128 8,180 7,565 7,596 8,042 7,292 8,199 9,553 - 10,520
Market Capitalization		 4,519 5,560 6,334 6,058 7,193 8,260 7,502 8,298 8,833 - 9,347
Book Value per Share		 $75.23 $81.44 $81.81 $83.07 $90.12 $89.30 $92.90 $95.58 $98.89 - $103.57
Tangible Book Value per Share		 $64.12 $70.34 $70.78 $72.11 $76.22 $75.49 $79.21 $82.01 $85.40 - $90.33
Total Capital		 8,677 9,063 9,380 9,871 10,770 10,582 10,833 11,554 11,328 - 11,722
Total Debt		 3,661 3,663 3,944 4,335 4,370 4,238 4,233 4,329 4,283 - 4,344
Total Long-Term Debt		 3,017 3,663 3,368 3,728 3,723 3,703 3,703 3,703 4,283 - 4,004
Net Debt		 795 1,156 1,433 1,095 -9.14 -630 -622 -936 295 - 749
Capital Expenditures (CapEx)		 20 17 11 39 17 20 -7.30 17 17 - 13
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 3,661 3,663 3,944 4,335 4,370 4,238 4,233 4,329 4,283 - 4,344
Total Depreciation and Amortization (D&A)		 24 18 18 20 20 21 23 25 21 - 36
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.57 $1.90 $2.93 $2.35 $2.51 $2.68 $2.73 $2.82 $2.82 $3.20 $3.26
Adjusted Weighted Average Basic Shares Outstanding		 61.21M 61.15M 61.48M 61.84M 64.89M 63.69M 66.73M 66.93M 66.95M 66.90M 67.25M
Adjusted Diluted Earnings per Share		 $2.53 $1.87 $2.89 $2.32 $2.47 $2.63 $2.69 $2.78 $2.78 $3.15 $3.22
Adjusted Weighted Average Diluted Shares Outstanding		 62.18M 62.09M 62.41M 62.77M 65.94M 64.70M 67.65M 67.82M 67.98M 67.89M 68.10M
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		 61.24M 61.47M 61.75M 66.50M 66.49M 66.71M 66.93M 66.95M 66.97M 67.27M 67.45M
Normalized Net Operating Profit after Tax (NOPAT)		 164 123 187 152 170 185 189 196 216 - 227
Normalized NOPAT Margin		 28.56% 21.63% 30.97% 25.75% 27.61% 29.03% 29.39% 29.15% 30.99% - 31.88%
Pre Tax Income Margin		 39.12% 28.95% 41.33% 35.71% 37.79% 39.63% 39.35% 39.82% 42.42% - 42.20%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.75 0.51 0.73 0.56 0.57 0.65 0.70 0.71 0.75 - 0.86
NOPAT to Interest Expense		 0.55 0.38 0.55 0.40 0.42 0.48 0.52 0.52 0.55 - 0.65
EBIT Less CapEx to Interest Expense		 0.68 0.46 0.70 0.45 0.53 0.60 0.72 0.67 0.70 - 0.83
NOPAT Less CapEx to Interest Expense		 0.48 0.33 0.52 0.30 0.38 0.43 0.54 0.48 0.50 - 0.61
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 18.93% 20.19% 20.41% 21.10% 21.76% 20.61% 21.44% 20.90% 20.92% - 20.23%
Augmented Payout Ratio		 18.93% 20.19% 20.41% 21.10% 21.76% 20.61% 21.44% 20.90% 20.92% - 20.23%

Financials Breakdown Chart

Key Financial Trends

Here is a concise, investor-focused trend snapshot for Wintrust Financial (WTFC) based on the latest quarterly results (through Q4 2025) and surrounding quarters.

  • Net income attributable to common shareholders rose to $214,657,000 in Q4 2025 from $188,913,000 in Q3 2025 (QoQ +$25.7M).
  • Diluted earnings per share (EPS) increased to $3.15 in Q4 2025 from $2.78 in Q3 2025.
  • Basic earnings per share (EPS) increased to $3.20 in Q4 2025 from $2.82 in Q3 2025.
  • Net interest income grew to $583,874,000 in Q4 2025 from $567,010,000 in Q3 2025.
  • Total revenue rose to $714,264,000 in Q4 2025 from $697,837,000 in Q3 2025.
  • Loans and leases, net of allowance (net loan balances) increased to $51,609,291,000 in Q4 2025 from $50,584,616,000 in Q3 2025.
  • Net cash from continuing operating activities climbed to $251,659,000 in Q4 2025 from $209,779,000 in Q3 2025.
  • Deposits totalled about $56.71B in Q4 2025 (non-interest bearing ~$10.95B; interest-bearing ~$45.76B), essentially flat versus Q3 2025.
  • Provision for credit losses rose to $27,588,000 in Q4 2025 from $21,768,000 in Q3 2025, signaling higher reserve needs.
  • Total non-interest expense increased to $384,453,000 in Q4 2025 from $380,028,000 in Q3 2025.
05/14/26 04:44 PM ETAI Generated. May Contain Errors.

Wintrust Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Wintrust Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Wintrust Financial's net income appears to be on an upward trend, with a most recent value of $823.84 million in 2025, rising from $156.75 million in 2015. The previous period was $695.05 million in 2024. Find out what analysts predict for Wintrust Financial in the coming months.

Over the last 10 years, Wintrust Financial's total revenue changed from $913.13 million in 2015 to $2.73 billion in 2025, a change of 198.5%.

Wintrust Financial's total liabilities were at $63.88 billion at the end of 2025, a 9.1% increase from 2024, and a 210.8% increase since 2015.

In the past 10 years, Wintrust Financial's cash and equivalents has ranged from $267.19 million in 2016 to $490.91 million in 2022, and is currently $467.87 million as of their latest financial filing in 2025.


Related Companies

Financial statements for NASDAQ:WTFC last updated on 5/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
Before you buy SpaceX shares, consider this alternative approach
SpaceX has confidentially filed for an IPO with the SEC, targeting a June 2026 listing at a valuation exceedin...
Weiss Ratings | Sponsoredtc pixel
I’m sounding the alarm
Meta is cutting 10% of its workforce. Microsoft offered voluntary retirement to 7% of U.S. employees. Oracle, ...
Porter & Company | Sponsoredtc pixel
Your book is inside
The "Sucker's Bet" Most New Options Traders Fall For Most people who try options lose money the same way. ...
Profits Run | Sponsoredtc pixel
Millionaire warns: Move your money now
Larry Benedict, the hedge fund trader who generated $274 million in profits for clients and beat the S&P 500 b...
Brownstone Research | Sponsoredtc pixel
Elon’s Biggest Launch Ever: 15x Bigger Than SpaceX
The Man Who Called Nvidia Before It Soared 1,000% Issues New Elon Musk BUY Alert Luke Lango was ranked Amer...
InvestorPlace | Sponsoredtc pixel
This is the worst news for stocks in 50 years
Goldman Sachs and Morgan Stanley are issuing a rare warning: what's ahead for U.S. stocks could be the worst e...
TradeSmith | Sponsoredtc pixel
You'll buy SpaceX at $1.75 trillion. Insiders bought at $20 billion.
Insiders bought SpaceX at $20 billion. Banks got in at $100 billion. By the time it hits your brokerage accoun...
Behind the Markets | Sponsoredtc pixel
The system holding the dollar together is gone…
Saudi Arabia has terminated its 1974 petrodollar agreement with the United States - the deal that forced every...
Golden Portfolio | Sponsoredtc pixel