WINTRUST FINANCIAL CORP WTFC

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Wintrust Financial Corporation, an Illinois corporation ("we," "Wintrust" or "the Company"), which was incorporated in 1992, is a financial holding company based in Rosemont, Illinois, with total assets of approximately $71.1 billion as of December 31, 2025. We provide community-oriented, personal and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana and west Michigan ("our market area") through our sixteen wholly-owned-banking subsidiaries (collectively, the "banks"), as well as the origination of residential mortgages for sale into the secondary market through Wintrust Mortgage, a division of Barrington Bank & Trust Company, N.A. ("Barrington Bank"). In addition, we provide specialty finance services, including financing for the payment of property and casualty insurance premiums and life insurance premiums ("premium finance receivables") on a national basis through FIRST Insurance Funding, a division of our wholly-owned subsidiary Lake Forest Bank & Trust Company, N.A. ("Lake Forest Bank"), and Wintrust Life Finance, a division of Lake Forest Bank, and in Canada through our premium finance company, First Insurance Funding of Canada Inc. ("FIFC Canada"), an indirect subsidiary of Lake Forest Bank, lease financing and other direct leasing opportunities through our wholly-owned subsidiary, Wintrust Asset Finance, Inc. ("Wintrust Asset Finance"), and short-term accounts receivable financing and outsourced administrative services through our wholly-owned subsidiary, Tricom, Inc. of Milwaukee ("Tricom"). Further, we provide a full range of wealth management services primarily to customers in our market area through four separate subsidiaries, Wintrust Private Trust Company, N.A. ("WPT"), Wintrust Investments, LLC ("Wintrust Investments"), Great Lakes Advisors, LLC ("Great Lakes Advisors" or "GLA") and Chicago Deferred Exchange Company, LLC ("CDEC").

Last close 150.77 2026-10-23
Market cap $10.17B 2026-06-30 share count
52-week range 122.00 - 167.22

Valuation FY2025 figures against the last close

P/S38.3x
P/E13.2x
P/FCF11.8x
EV/EBITDA—
Dividend yield1.7%
Diluted EPS11.40

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $265.6M$250.7M$220.4M$217.7M$207.2M$170.1M$161.5M$152.5M$139.0M$812.5M
Interest expense $1.50B$1.52B$1.06B$252.1M$150.5M$253.1M$330.2M$205.9M$114.4M$90.3M
Pre-tax income $1.12B$947.1M$845.1M$700.6M$637.8M$389.8M$480.1M$460.1M$390.0M$331.9M
Income tax $294.6M$252.0M$222.5M$190.9M$171.6M$96.8M$124.4M$117.0M$132.3M$125.0M
Net income $824.0M$695.0M$623.0M$510.0M$466.0M$293.0M$355.7M$343.2M$257.7M$206.9M
EPS, basic 11.5710.479.728.147.694.726.115.954.533.83
EPS, diluted 11.4010.319.588.027.584.686.035.864.403.66
Shares, diluted (wtd. avg.) 67.9M64.7M62.1M60.1M57.8M58.0M57.6M57.2M56.7M54.3M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $467.9M$458.5M$423.5M$491.0M$411.2M$322.5M$286.5M$392.2M$277.6M$270.0M
Property, plant and equipment $781.6M$779.1M$749.0M$764.8M$766.4M$768.8M$754.3M$671.2M$621.9M$597.3M
Goodwill $798.0M$796.9M$656.7M$653.5M$655.1M$645.7M$645.2M$573.1M$501.9M$498.6M
Other intangibles $98.0M$121.7M$22.9M$22.2M$28.3M$36.0M$47.1M———
Total assets $71.14B$64.88B$56.26B$52.95B$50.14B$45.08B$36.62B$31.24B$27.92B$25.67B
Short-term debt —$0$13.4M$17.6M$9.2M$11.4M$20.5M$50.6M$17.2M$61.8M
Total liabilities $63.88B$58.54B$50.86B$48.15B$45.64B$40.96B$32.93B$27.98B$24.94B$22.97B
Retained earnings $4.54B$3.90B$3.35B$2.85B$2.45B$2.08B$1.90B$1.61B$1.31B$1.10B
Total equity $7.26B$6.34B$5.40B$4.80B$4.50B$4.12B$3.69B$3.27B$2.98B$2.70B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $910.3M$721.6M$744.4M$1.38B$1.13B-$518.5M$266.0M$377.2M$401.6M$311.0M
Depreciation and amortisation $66.9M$61.4M$56.9M$53.1M$54.0M$46.4M$38.0M$33.2M$31.5M$32.1M
Stock-based compensation $41.6M$38.1M$33.5M$31.7M$16.2M-$4.9M$11.3M$13.5M$12.9M$9.3M
Capital expenditure $50.0M$86.0M$46.4M$53.4M$57.1M$63.6M$82.0M$68.3M$59.2M$33.9M
Investing cash flow -$6.17B-$5.95B-$3.24B-$3.49B-$5.93B-$7.18B-$4.02B-$2.76B-$2.30B-$2.49B
Financing cash flow $5.27B$5.26B$2.43B$2.20B$4.89B$7.74B$3.65B$2.50B$1.91B$2.18B
Dividends paid $169.4M$143.3M$125.7M$108.2M$98.6M$85.9M$65.1M$51.0M$40.5M$38.6M
Buybacks ——$0$0$9.5M$92.1M$0$0$397.0K$616.0K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-041498.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 250M 500M 750M 1B Revenue, FY2016: 812.5M Net income, FY2016: 206.9M Revenue, FY2017: 139M Net income, FY2017: 257.7M Revenue, FY2018: 152.5M Net income, FY2018: 343.2M Revenue, FY2019: 161.5M Net income, FY2019: 355.7M Revenue, FY2020: 170.1M Net income, FY2020: 293M Revenue, FY2021: 207.2M Net income, FY2021: 466M Revenue, FY2022: 217.7M Net income, FY2022: 510M Revenue, FY2023: 220.4M Net income, FY2023: 623M Revenue, FY2024: 250.7M Net income, FY2024: 695M Revenue, FY2025: 265.6M Net income, FY2025: 824M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $812.5M $139.0M $152.5M $161.5M $170.1M $207.2M $217.7M $220.4M $250.7M $265.6M
Gross profit — — — — — — — — — —
Net income $206.9M $257.7M $343.2M $355.7M $293.0M $466.0M $510.0M $623.0M $695.0M $824.0M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Material agreement signed Item 1.01
  • New debt or obligation Item 2.03
  • Results announced Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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