NASDAQ : WTFC
Wintrust Financial Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 152.38 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 10.28B
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 3.32B | 3.24B | 3.06B | 2.56B | 1.53B | 1.17B |
| Interest Income on Investments | 529.34M | 487.56M | 412.81M | 335.37M | 218.52M | 109.79M |
| Total Interest Income | 3.85B | 3.73B | 3.48B | 2.89B | 1.75B | 1.28B |
| Interest Paid on Deposits | 1.31B | 1.34B | 1.34B | 906.47M | 175.20M | 88.12M |
| Interest Paid on Borrowings | 158.88M | 162.25M | 171.42M | 148.78M | 76.88M | 62.41M |
| Total Interest Expense | 1.47B | 1.50B | 1.52B | 1.06B | 252.08M | 150.53M |
| Net Interest Income | 2.38B | 2.22B | 1.96B | 1.84B | 1.50B | 1.12B |
| Trust Income | 162.27M | 147.42M | 146.23M | 130.61M | 126.61M | 124.02M |
| Mortgage Banking Activities | 98.99M | 90.78M | 93.21M | 83.07M | 155.17M | 273.01M |
| Income From Trading Activities | -129.00K | 2.00K | 504.00K | 1.14M | 3.75M | 245.00K |
| Gain (Loss) on Sale of Investments | 1.70M | 8.32M | -2.60M | 1.52M | -20.43M | -1.06M |
| Other Non-Interest Income | 190.71M | 174.06M | 183.46M | 161.32M | 136.67M | 135.14M |
| Total Non-Interest Income | 538.31M | 499.67M | 486.46M | 432.92M | 460.36M | 585.52M |
| Revenues Before Loan Losses | 2.92B | 2.72B | 2.45B | 2.27B | 1.96B | 1.71B |
| Provision for Loan Losses | 106.19M | 95.55M | 101.05M | 114.39M | 78.59M | -59.26M |
| Revenue | 2.81B | 2.63B | 2.35B | 2.16B | 1.88B | 1.77B |
| Salaries and Employee Benefits | 874.09M | 831.74M | 779.00M | 714.52M | 664.36M | 675.49M |
| Occupancy Expenses | 81.37M | 81.92M | 79.21M | 77.07M | 70.97M | 74.18M |
| Federal Deposit Insurance | 40.33M | 43.88M | 46.12M | 71.10M | 28.64M | 27.03M |
| Amortization of Goodwill & Intangibles | 19.56M | 21.39M | 12.10M | 5.50M | 6.12M | 7.73M |
| Selling, General & Administrative | 386.52M | 370.99M | 345.38M | 319.12M | 289.36M | 248.62M |
| Other Non-Interest Expense | 164.97M | 158.54M | 141.32M | 126.72M | 117.98M | 101.14M |
| Total Non-Interest Expense | 1.57B | 1.51B | 1.40B | 1.31B | 1.18B | 1.13B |
| EBT Excluding Unusual Items | 1.24B | 1.12B | 945.22M | 843.90M | 699.86M | 637.20M |
| Other Unusual Items | 3.76M | 2.27M | 1.87M | 1.18M | 694.00K | 601.00K |
| Pretax Income | 1.25B | 1.12B | 947.09M | 845.08M | 700.55M | 637.80M |
| Income Tax Expense | 324.30M | 294.56M | 252.04M | 222.46M | 190.87M | 171.65M |
| Net Income | 923.16M | 823.84M | 695.04M | 622.63M | 509.68M | 466.15M |
| Preferred Dividends & Other Adjustments | 33.47M | 49.69M | 27.96M | 27.96M | 27.96M | 27.96M |
| Net Income to Common | 889.69M | 774.15M | 667.08M | 594.66M | 481.72M | 438.19M |
| Basic Shares Outstanding | 67.28M | 66.90M | 63.69M | 61.15M | 59.20M | 56.99M |
| Diluted Shares Outstanding | 68.23M | 67.89M | 64.70M | 62.09M | 60.09M | 57.79M |
| EPS (Basic) | 13.22 | 11.57 | 10.47 | 9.72 | 8.14 | 7.69 |
| EPS (Diluted) | 13.04 | 11.40 | 10.31 | 9.58 | 8.02 | 7.58 |
| Dividend Per Share | 2.15 | 2.00 | 1.80 | 1.60 | 1.36 | 1.24 |
| Effective Tax Rate | 26.00% | 26.34% | 26.61% | 26.32% | 27.25% | 26.91% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 635.66M | 467.94M | 458.54M | 423.46M | 490.97M | 1.11B |
| Investment Securities | 6.74B | 6.95B | 8.65B | 6.41B | 6.13B | 8.76B |
| Trading Asset Securities | 179.67M | 204.10M | 280.43M | 297.98M | 166.07M | |
| Mortgage-Backed Securities | 7.57B | 5.94B | 3.79B | 3.23B | 2.90B | 2.01B |
| Total Investments | 14.31B | 13.07B | 12.65B | 9.92B | 9.32B | 10.94B |
| Gross Loans | 57.17B | 53.73B | 48.60B | 42.70B | 39.67B | 35.17B |
| Allowance for Loan Losses | -401.73M | -379.28M | -364.02M | -344.24M | -270.17M | -247.84M |
| Other Adjustments to Gross Loans | -268.60M | -267.70M | -285.40M | -224.50M | -135.50M | |
| Net Loans | 56.77B | 53.09B | 47.97B | 42.07B | 39.18B | 34.78B |
| Property, Plant & Equipment | 792.21M | 781.61M | 779.13M | 748.97M | 764.80M | 766.40M |
| Goodwill | 804.66M | 797.96M | 796.94M | 656.67M | 653.52M | 655.15M |
| Other Intangible Assets | 110.03M | 98.00M | 121.69M | 22.89M | 22.19M | 28.31M |
| Loans Held for Sale | 307.75M | 340.75M | 331.26M | 292.72M | 299.94M | 817.91M |
| Accrued Interest Receivable | 1.93B | 312.20M | 332.80M | 304.50M | 214.00M | 117.40M |
| Other Receivables | 849.83M | 31.57M | 716.48M | 948.62M | 38.88M | |
| Other Real Estate Owned & Foreclosed | 16.40M | 20.84M | 23.12M | 13.31M | 9.90M | 4.27M |
| Other Long-Term Assets | 1.02B | 1.10B | 883.20M | 816.28M | 747.13M | |
| Total Assets | 75.97B | 71.14B | 64.88B | 56.26B | 52.95B | 50.14B |
| Interest Bearing Deposits | 50.85B | 42.29B | 37.20B | 32.48B | 28.23B | 26.72B |
| Institutional Deposits | 4.00B | 3.90B | 2.50B | 2.00B | 1.20B | |
| Non-Interest Bearing Deposits | 11.58B | 11.42B | 11.41B | 10.42B | 12.67B | 14.18B |
| Total Deposits | 62.44B | 57.72B | 52.51B | 45.40B | 42.90B | 42.10B |
| Short-Term Borrowings | 123.77M | 241.75M | 281.13M | 645.69M | 207.20M | |
| Current Portion of Long-Term Debt | 408.00M | 25.00M | ||||
| Current Portion of Leases | 24.68M | |||||
| Accrued Interest Payable | 1.89B | 62.88M | 48.36M | 51.12M | 22.18M | 9.30M |
| Long-Term Debt | 654.46M | 368.60M | 833.09M | 1.07B | 1.02B | 921.88M |
| Federal Home Loan Bank Debt, Long-Term | 3.45B | 3.45B | 3.15B | 2.30B | 2.03B | 1.17B |
| Long-Term Leases | 118.06M | |||||
| Trust Preferred Securities | 253.57M | 253.57M | 253.57M | 253.57M | 253.57M | 253.57M |
| Long-Term Unearned Revenue | 2.63M | 1.33M | 665.00K | 1.28M | 1.59M | |
| Other Long-Term Liabilities | 1.35B | 1.49B | 1.48B | 1.29B | 988.27M | |
| Total Liabilities | 68.68B | 63.88B | 58.54B | 50.86B | 48.15B | 45.64B |
| Preferred Stock, Redeemable | 425.00M | 425.00M | 412.50M | 412.50M | 412.50M | 412.50M |
| Total Preferred Equity | 425.00M | 425.00M | 412.50M | 412.50M | 412.50M | 412.50M |
| Common Stock | 67.60M | 67.06M | 66.56M | 61.27M | 60.80M | 58.89M |
| Additional Paid-In Capital | 2.57B | 2.53B | 2.48B | 1.94B | 1.90B | 1.69B |
| Retained Earnings | 5.10B | 4.54B | 3.90B | 3.35B | 2.85B | 2.45B |
| Treasury Stock | -14.90M | -9.16M | -6.15M | -2.22M | -304.00K | -109.90M |
| Comprehensive Income & Other | -863.78M | -295.75M | -508.33M | -361.23M | -427.64M | 4.09M |
| Total Common Equity | 6.86B | 6.83B | 5.93B | 4.99B | 4.38B | 4.09B |
| Shareholders' Equity | 7.29B | 7.26B | 6.34B | 5.40B | 4.80B | 4.50B |
| Total Liabilities & Equity | 75.97B | 71.14B | 64.88B | 56.26B | 52.95B | 50.14B |
| Total Debt | 4.36B | 4.75B | 4.48B | 3.93B | 3.94B | 2.55B |
| Net Cash (Debt) | -165.36M | -919.83M | 592.68M | -1.14B | -1.16B | 4.10B |
| Net Cash Per Share | -2.42 | -13.55 | 9.16 | -18.40 | -19.37 | 70.97 |
| Filing Date Shares Outstanding | 67.47M | 67.27M | 66.71M | 61.47M | 61.02M | 57.24M |
| Total Common Shares Outstanding | 67.47M | 66.97M | 66.50M | 61.24M | 60.79M | 57.05M |
| Book Value Per Share | 101.74 | 102.03 | 89.21 | 81.43 | 72.12 | 71.62 |
| Tangible Book Value | 5.95B | 5.94B | 5.01B | 4.31B | 3.71B | 3.40B |
| Tangible Book Value Per Share | 88.18 | 88.66 | 75.39 | 70.33 | 61.00 | 59.64 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 823.84M | 695.04M | 622.63M | 509.68M | 466.15M | |
| Depreciation & Amortization | 76.11M | 57.78M | 42.40M | 44.06M | 60.92M | |
| Other Amortization | 42.67M | 42.30M | 42.36M | 38.01M | 40.88M | |
| Gain (Loss) on Sale of Assets | 3.02M | -1.61M | -366.00K | 2.05M | -6.41M | |
| Gain (Loss) on Sale of Investments | -18.91M | 469.00K | -289.00K | 22.84M | 7.45M | |
| Provision for Credit Losses | 95.55M | 101.05M | 114.39M | 78.59M | -59.26M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -30.85M | -38.86M | -24.95M | 427.60M | 638.02M | |
| Change in Trading Asset Securities | 4.07M | 635.00K | -3.58M | -66.00K | -390.00K | |
| Accrued Interest Receivable | -68.99M | -131.43M | -205.43M | -91.58M | 187.74M | |
| Change in Other Net Operating Assets | 18.10M | -7.51M | 5.79M | 9.68M | -8.63M | |
| Other Operating Activities | 66.89M | 84.93M | 8.88M | -12.05M | 7.27M | |
| Operating Cash Flow | 910.35M | 721.56M | 744.38M | 1.38B | 1.13B | |
| Capital Expenditures | -49.95M | -86.03M | -46.41M | -53.45M | -57.08M | |
| Cash Acquisitions | 531.31M | -5.15M | -585.40M | |||
| Investment in Securities | -1.07B | -1.56B | -313.90M | 967.37M | -3.20B | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -5.04B | -4.78B | -2.90B | -4.32B | -2.10B | |
| Other Investing Activities | -10.12M | -76.04M | 20.33M | -84.47M | 542.00K | |
| Investing Cash Flow | -6.17B | -5.95B | -3.24B | -3.49B | -5.93B | |
| Long-Term Debt Issued | 300.00M | 825.24M | 50.67M | 1.20B | 12.63M | |
| Long-Term Debt Repaid | -73.61M | -223.67M | -27.78M | |||
| Net Debt Issued (Repaid) | 226.39M | 601.56M | 50.67M | 1.20B | -15.15M | |
| Issuance of Common Stock | 7.22M | 6.69M | 8.31M | 296.96M | 19.82M | |
| Repurchase of Common Stock | -3.00M | -3.94M | -1.91M | -304.00K | -9.54M | |
| Preferred Stock Issued | 414.15M | |||||
| Preferred Share Repurchases | -412.50M | |||||
| Common Dividends Paid | -133.78M | -115.32M | -97.73M | -80.25M | -70.66M | |
| Preferred Dividends Paid | -35.64M | -27.96M | -27.96M | -27.96M | -27.97M | |
| Total Dividends Paid | -169.42M | -143.28M | -125.69M | -108.21M | -98.63M | |
| Net Increase (Decrease) in Deposit Accounts | 5.20B | 4.81B | 2.49B | 806.95M | 5.01B | |
| Other Financing Activities | -6.17M | -57.00K | -16.58M | |||
| Financing Cash Flow | 5.27B | 5.26B | 2.43B | 2.20B | 4.89B | |
| Net Cash Flow | 9.40M | 35.07M | -67.50M | 79.76M | 88.73M | |
| Free Cash Flow | 860.40M | 635.52M | 697.97M | 1.32B | 1.07B | |
| Free Cash Flow Margin | 32.74% | 27.07% | 32.37% | 70.40% | 60.68% | |
| Free Cash Flow Per Share | 12.67 | 9.82 | 11.24 | 21.99 | 18.58 | |
| Cash Interest Paid | 1.49B | 1.52B | 1.03B | 239.21M | 156.87M | |
| Cash Income Tax Paid | 222.41M | 252.85M | 231.65M | 153.50M | 178.57M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 10.28B | 9.36B | 8.29B | 5.68B | 5.14B | 5.18B |
| Last Close Price | 152.38 | 138.34 | 121.42 | 88.74 | 79.23 | 83.88 |
| PE Ratio | 11.69 | 12.10 | 12.43 | 9.55 | 10.66 | 11.82 |
| PS Ratio | 3.65 | 3.56 | 3.53 | 2.63 | 2.74 | 2.93 |
| PB Ratio | 1.50 | 1.29 | 1.31 | 1.05 | 1.07 | 1.15 |
| P/FCF Ratio | 6.54 | 10.88 | 13.05 | 8.14 | 3.89 | 4.82 |
| P/OCF Ratio | 6.25 | 10.29 | 11.49 | 7.63 | 3.73 | 4.58 |
| Debt / Equity Ratio | 0.60 | 0.65 | 0.71 | 0.73 | 0.82 | 0.57 |
| Debt / FCF Ratio | 5.52 | 7.05 | 5.63 | 2.98 | 2.37 | |
| Net Debt / Equity Ratio | 0.02 | 0.13 | -0.09 | 0.21 | 0.24 | -0.91 |
| Net Debt / FCF Ratio | 1.07 | -0.93 | 1.64 | 0.88 | -3.82 | |
| Return on Equity (ROE) | 12.88% | 12.11% | 11.84% | 12.21% | 10.97% | 10.82% |
| Return on Assets (ROA) | 1.27% | 1.21% | 1.15% | 1.14% | 0.99% | 0.98% |
| Earnings Yield | 8.56% | 8.80% | 8.38% | 10.96% | 9.92% | 9.00% |
| FCF Yield | 15.30% | 9.19% | 7.66% | 12.29% | 25.73% | 20.74% |
| Dividend Yield | 1.44% | 1.43% | 1.44% | 1.73% | 1.61% | 1.37% |
| Payout Ratio | 16.87% | 20.57% | 20.61% | 20.19% | 21.23% | 21.16% |
| Buyback Yield / Dilution | -0.62% | -4.93% | -4.21% | -3.32% | -3.99% | 0.40% |
| Total Shareholder Return | 0.82% | -3.50% | -2.77% | -1.60% | -2.38% | 1.77% |