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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $265.63M | $250.74M | $220.44M | $217.72M | $207.17M | $170.13M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $66.90M | $61.40M | $56.90M | $53.10M | $54.00M | $46.40M |
| Operating Income | $1.12B | $947.09M | $845.08M | $700.55M | $389.78M | $389.78M |
| Interest Expense | $1.50B | $1.52B | $1.06B | $252.08M | $150.53M | $253.11M |
| Income Tax | $294.56M | $252.04M | $222.46M | $190.87M | $171.65M | $96.79M |
| Net Income | $823.84M | $695.04M | $622.63M | $509.68M | $466.15M | $292.99M |
| EPS - Basic | $11.57 | $10.47 | $9.72 | $8.14 | $7.69 | $4.72 |
| EPS - Diluted | $11.40 | $10.31 | $9.58 | $8.02 | $7.58 | $4.68 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $467.94M | $458.54M | $423.46M | $490.97M | $411.20M | $322.47M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $71.14B | $64.88B | $56.26B | $52.95B | $50.14B | $45.08B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $63.88B | $58.54B | $50.86B | $48.15B | $45.64B | $40.96B |
| Stockholders' Equity | $7.26B | $6.34B | $5.40B | $4.80B | $4.50B | $4.12B |
| Retained Earnings | $4.54B | $3.90B | $3.35B | $2.85B | $2.45B | $2.08B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $910.35M | $721.56M | $744.38M | $1.38B | $1.13B | ($518.47M) |
| Investing Cash Flow | ($6.17B) | ($5.95B) | ($3.24B) | ($3.49B) | ($5.93B) | ($7.18B) |
| Financing Cash Flow | $5.27B | $5.26B | $2.43B | $2.20B | $4.89B | $7.74B |
| CapEx | $49.95M | $86.03M | $46.41M | $53.45M | $57.08M | $63.65M |
| Free Cash Flow | $860.40M | $635.52M | $697.97M | $1.32B | $1.07B | ($582.11M) |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 421.0% | 377.7% | 383.4% | 321.8% | 188.1% | 229.1% |
| EBITDA margin | 446.2% | 402.2% | 409.2% | 346.2% | 214.2% | 256.4% |
| Net margin | 310.1% | 277.2% | 282.4% | 234.1% | 225.0% | 172.2% |
| Free cash flow margin | 323.9% | 253.5% | 316.6% | 607.0% | 518.3% | -342.2% |
| FCF / Net income | 1.04 | 0.91 | 1.12 | 2.59 | 2.30 | -1.99 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 26.3% | 26.6% | 26.3% | 27.2% | 26.9% | 24.8% |
| Return on assets | 1.2% | 1.1% | 1.1% | 1.0% | 0.9% | 0.6% |
| Return on equity | 11.3% | 11.0% | 11.5% | 10.6% | 10.4% | 7.1% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 0.7x | 0.6x | 0.8x | 2.8x | 2.6x | 1.5x |
| Equity multiplier | 9.80 | 10.23 | 10.42 | 11.04 | 11.15 | 10.95 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.91 | 0.91 | 0.91 |
| Efficiency | ||||||
| Asset turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 12.3x | 12.1x | 9.7x | 10.5x | 12.0x | 13.1x |
| P / B | 1.3x | 1.3x | 1.1x | 1.1x | 1.2x | 0.9x |
| P / S | 35.7x | 32.2x | 26.1x | 23.3x | 25.3x | 20.8x |
| EV / EBITDA | 7.6x | 7.5x | 5.9x | 6.1x | 10.9x | 7.4x |
| Growth | ||||||
| Revenue growth (YoY) | 5.9% | 13.7% | 1.3% | 5.1% | 21.8% | 5.4% |
| Revenue CAGR (3y) | 6.9% | 6.6% | 9.0% | 10.5% | - | - |
| Revenue CAGR (5y) | 9.3% | 9.2% | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 18.1% | 12.1% | 20.6% | 79.7% | 0.0% | -18.8% |
| Net income growth (YoY) | 18.5% | 11.6% | 22.2% | 9.3% | 59.1% | -17.6% |
| EPS growth (YoY) | 10.6% | 7.6% | 19.5% | 5.8% | 62.0% | -22.4% |
| EPS CAGR (3y) | 12.4% | 10.8% | 27.0% | 10.0% | 9.0% | 2.1% |
| EPS CAGR (5y) | 19.5% | 11.3% | 10.3% | 12.8% | 15.7% | 9.8% |
| FCF growth (YoY) | 35.4% | -8.9% | -47.2% | 23.1% | - | - |
| FCF CAGR (5y) | - | 28.1% | 17.7% | 31.1% | 31.3% | - |
| Book value growth (YoY) | 14.4% | 17.5% | 12.6% | 6.6% | 9.3% | 11.5% |
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%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✗Asset turnover improved
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 |