WTFC · Wintrust Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | $615.73M | $591.76M | $604.77M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $300.94M | - | $296.04M | $267.09M | $253.06M | - | $232.71M | $211.34M | $249.96M | - |
| Interest Expense | $348.54M | - | $396.82M | $374.21M | $360.49M | - | $406.02M | $379.37M | $341.32M | - |
| Income Tax | $73.55M | - | $79.79M | $71.56M | $64.02M | - | $62.71M | $58.95M | $62.66M | - |
| Net Income | $227.39M | - | $216.25M | $195.53M | $189.04M | - | $170.00M | $152.39M | $187.29M | - |
| EPS - Basic | $3.26 | - | $2.82 | $2.82 | $2.73 | - | $2.51 | $2.35 | $2.93 | - |
| EPS - Diluted | $3.22 | - | $2.78 | $2.78 | $2.69 | - | $2.47 | $2.32 | $2.89 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $543.72M | $467.94M | $565.47M | $695.56M | $616.28M | $458.54M | $731.13M | $415.52M | $379.89M | $423.46M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $72.16B | $71.14B | $69.63B | $68.98B | $65.87B | $64.88B | $63.79B | $59.78B | $57.58B | $56.26B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $64.78B | $63.88B | $62.58B | $61.76B | $59.27B | $58.54B | $57.39B | $54.24B | $52.14B | $50.86B |
| Stockholders' Equity | $7.38B | $7.26B | $7.05B | $7.23B | $6.60B | $6.34B | $6.40B | $5.54B | $5.44B | $5.40B |
| Retained Earnings | $4.72B | $4.54B | $4.36B | $4.20B | $4.05B | $3.90B | $3.75B | $3.62B | $3.50B | $3.35B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $927.18M | - | - | - | $119.75M | - | - | - | $71.13M | - |
| Investing Cash Flow | ($1.87B) | - | - | - | ($973.37M) | - | - | - | ($1.42B) | - |
| Financing Cash Flow | $1.02B | - | - | - | $1.01B | - | - | - | $1.30B | - |
| CapEx | - | - | - | - | - | - | - | - | $10.60M | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | $60.53M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | 37.8% | 35.7% | 41.3% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | 27.6% | 25.8% | 31.0% | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | 10.0% | - |
| FCF / Net income | - | - | - | - | - | - | - | - | 0.32 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 24.4% | - | 27.0% | 26.8% | 25.3% | - | 26.9% | 27.9% | 25.1% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.3% | - | 0.3% | 0.3% | 0.3% | - |
| Return on equity | 3.1% | - | 3.1% | 2.7% | 2.9% | - | 2.7% | 2.8% | 3.4% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 0.9x | - | 0.7x | 0.7x | 0.7x | - | 0.6x | 0.6x | 0.7x | - |
| Equity multiplier | 9.78 | 9.80 | 9.88 | 9.55 | 9.98 | 10.23 | 9.97 | 10.80 | 10.59 | 10.42 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.91 | 0.91 | 0.90 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | 0.01 | 0.01 | 0.01 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 43.1x | - | 47.6x | 44.6x | 41.8x | - | 43.9x | 42.5x | 36.1x | - |
| P / B | 1.3x | - | 1.3x | 1.2x | 1.2x | - | 1.1x | 1.1x | 1.2x | - |
| P / S | - | - | - | - | - | - | 11.6x | 10.5x | 10.8x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | 7.1% | 5.6% | 6.9% | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | 13.2% | 13.1% | 10.5% | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | 10.1% | 10.2% | 12.0% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 18.9% | - | 27.2% | 26.4% | 1.2% | - | 3.5% | -0.0% | 2.6% | - |
| Net income growth (YoY) | 20.3% | - | 27.2% | 28.3% | 0.9% | - | 3.5% | -1.5% | 3.9% | - |
| EPS growth (YoY) | 19.7% | - | 12.6% | 19.8% | -6.9% | - | -2.4% | -2.5% | 3.2% | - |
| EPS CAGR (3y) | 4.8% | - | 7.9% | 23.1% | 9.1% | - | 11.7% | 10.9% | 4.4% | - |
| EPS CAGR (5y) | 4.9% | - | 10.7% | 52.2% | 20.9% | - | 7.9% | 10.9% | 13.7% | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | 2.1% | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | -4.0% | - |
| Book value growth (YoY) | 11.8% | 14.4% | 10.1% | 30.5% | 21.4% | 17.5% | 27.6% | 9.8% | 8.4% | 12.6% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$413.05M totalWealth Management$147.42M · 35.7%
Asset Management Revenue$99.58M · 24.1%
Service Charges On Deposit Accounts Revenue$79.09M · 19.1%
Trust Revenue$29.06M · 7.0%
Brokerage And Insurance Product Commissions$18.78M · 4.5%
Card Related Fee Revenue$15.97M · 3.9%
Other Deposit Related Fee Revenue$15.10M · 3.7%
Administrative Services Revenue$5.30M · 1.3%
Mortgage Broker Fees$2.76M · 0.7%
Peer comparison
Same SIC group: State Commercial Banks
Comparing WINTRUST FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$2.10/share trailing 12 months · +10.5% YoY
| Ex-date | Per share |
|---|---|
| May 14, 2026 | $0.5500 |
| Feb 5, 2026 | $0.5500 |
| Nov 6, 2025 | $0.5000 |
| Aug 7, 2025 | $0.5000 |
| May 8, 2025 | $0.5000 |
| Feb 6, 2025 | $0.5000 |
| Nov 7, 2024 | $0.4500 |
| Aug 8, 2024 | $0.4500 |
| May 8, 2024 | $0.4500 |
| Feb 7, 2024 | $0.4500 |
| Nov 8, 2023 | $0.4000 |
| Aug 9, 2023 | $0.4000 |
| May 10, 2023 | $0.4000 |
| Feb 8, 2023 | $0.4000 |
| Nov 9, 2022 | $0.3400 |
| Aug 10, 2022 | $0.3400 |
| May 11, 2022 | $0.3400 |
| Feb 9, 2022 | $0.3400 |
| Nov 9, 2021 | $0.3100 |
| Aug 4, 2021 | $0.3100 |
| May 5, 2021 | $0.3100 |
| Feb 10, 2021 | $0.3100 |
| Nov 10, 2020 | $0.2800 |
| Aug 5, 2020 | $0.2800 |