WTFC financial statements

The full income statement, balance sheet, and cash-flow statement for Wintrust Financial Corporation (WTFC), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.

Shares outstanding (point-in-time)

2024-06 62.8M2024-09 66.5M2024-12 66.7M2025-03 66.9M2025-06 67.0M2025-09 67.0M2025-12 67.3M2026-03 67.4M2026-06 67.5M+7.5% over 8 periods

SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.

PeriodRangeOrderChangeYoYQoQFiguresAs-reported fiscal years.

Line item	FY2025	FY2024	FY2023	FY2022	FY2021
Income Statement	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
	2.73B YoY+11.2%	2.45B YoY+7.9%	2.27B YoY+16.1%	1.96B YoY+14.3%	1.71B YoY+4.1%
Lease income	62.3M YoY+6.1%	58.7M YoY+10.2%	53.3M YoY-4.0%	55.5M YoY+3.4%	53.7M YoY+12.8%
Noninterest income	502M YoY+2.8%	488M YoY+12.5%	434M YoY-5.8%	461M YoY-21.3%	586M YoY-3.0%
Amortization of intangibles	21.4M YoY+76.9%	12.1M YoY+120.0%	5.50M YoY-10.1%	6.12M YoY-20.9%	7.73M YoY-29.8%
Noninterest expense	1.51B YoY+7.8%	1.40B YoY+6.9%	1.31B YoY+11.5%	1.18B YoY+3.9%	1.13B YoY+8.9%
Provision for credit losses	95.6M YoY-5.4%	101M YoY-11.7%	114M YoY+45.6%	78.6M YoY+232.6%	-59.3M YoY-127.7%
Interest expense	1.50B YoY-0.7%	1.52B YoY+43.6%	1.06B YoY+318.6%	252M YoY+67.5%	151M YoY-40.5%
Interest & investment income	3.73B YoY+7.2%	3.48B YoY+20.2%	2.89B YoY+65.6%	1.75B YoY+37.0%	1.28B YoY-1.4%
Net interest income	2.22B YoY+13.3%	1.96B YoY+6.8%	1.84B YoY+22.9%	1.50B YoY+32.9%	1.12B YoY+8.2%
Gain (loss) on equity securities	7.91M YoY+708.1%	-1.30M YoY-213.2%	1.15M YoY+113.2%	-8.71M YoY-3243.7%	277K YoY-38.0%
Pre-tax income	1.12B YoY+18.1%	947M YoY+12.1%	845M YoY+20.6%	701M YoY+9.8%	638M YoY+63.6%
Income tax	295M YoY+16.9%	252M YoY+13.3%	222M YoY+16.5%	191M YoY+11.2%	172M YoY+77.3%
	824M YoY+18.5%	695M YoY+11.6%	623M YoY+22.2%	510M YoY+9.3%	466M YoY+59.1%
Preferred dividends	—	28.0M YoY+0.0%	28.0M YoY+0.0%	28.0M YoY+0.0%	28.0M YoY+30.8%
Net income to common	774M YoY+16.1%	667M YoY+12.2%	595M YoY+23.4%	482M YoY+9.9%	438M YoY+61.3%
	$11.40 YoY+10.6%	$10.31 YoY+7.6%	$9.58 YoY+19.5%	$8.02 YoY+5.8%	$7.58 YoY+62.0%
EPS (basic)	$11.57 YoY+10.5%	$10.47 YoY+7.7%	$9.72 YoY+19.4%	$8.14 YoY+5.9%	$7.69 YoY+62.9%
	66.9M YoY+5.0%	63.7M YoY+4.1%	61.1M YoY+3.3%	59.2M YoY+3.9%	57.0M YoY-0.9%
	67.9M YoY+4.9%	64.7M YoY+4.2%	62.1M YoY+3.3%	60.1M YoY+4.0%	57.8M YoY-0.4%
Dividends per share	$2.00 YoY+11.1%	$1.80 YoY+12.5%	$1.60 YoY+17.6%	$1.36 YoY+9.7%	$1.24 YoY+10.7%
Balance Sheet	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
Cash & equivalents	468M YoY+2.1%	459M YoY+8.3%	423M YoY-13.7%	491M YoY+19.4%	411M YoY+27.5%
	71.1B YoY+9.7%	64.9B YoY+15.3%	56.3B YoY+6.3%	52.9B YoY+5.6%	50.1B YoY+11.2%
Property, plant & equipment	782M YoY+0.3%	779M YoY+4.0%	749M YoY-2.1%	765M YoY-0.2%	766M YoY-0.3%
Goodwill	798M YoY+0.1%	797M YoY+21.4%	657M YoY+0.5%	654M YoY-0.2%	655M YoY+1.5%
Intangible assets	98.0M YoY-19.5%	122M YoY+431.7%	22.9M YoY+3.2%	22.2M YoY-21.6%	28.3M YoY-21.5%
Short-term & current debt	—	0.00 YoY-100.0%	13.4M YoY-23.7%	17.6M YoY+91.5%	9.20M YoY-19.1%
	63.9B YoY+9.1%	58.5B YoY+15.1%	50.9B YoY+5.6%	48.2B YoY+5.5%	45.6B YoY+11.4%
Long-term debt	0.00 YoY-100.0%	143M YoY-16.7%	171M YoY-14.3%	200M YoY+148.7%	80.3M YoY-21.0%
Operating lease liability (total)	143M YoY-7.1%	154M YoY-7.6%	166M YoY-0.2%	167M YoY-6.3%	178M
Finance lease liability (total)	143M YoY-7.1%	154M YoY-7.6%	166M YoY-0.2%	167M YoY-6.3%	178M
	7.26B YoY+14.4%	6.34B YoY+17.5%	5.40B YoY+12.6%	4.80B YoY+6.6%	4.50B YoY+9.3%
Common stock	67.1M YoY+0.8%	66.6M YoY+8.6%	61.3M YoY+0.8%	60.8M YoY+3.2%	58.9M YoY+0.7%
Additional paid-in capital	2.53B YoY+2.1%	2.48B YoY+27.7%	1.94B YoY+2.2%	1.90B YoY+12.9%	1.69B YoY+2.2%
Retained earnings	4.54B YoY+16.4%	3.90B YoY+16.5%	3.35B YoY+17.4%	2.85B YoY+16.4%	2.45B YoY+17.7%
Treasury stock	9.16M YoY+48.8%	6.15M YoY+177.5%	2.22M YoY+629.3%	304K YoY-99.7%	110M YoY+9.5%
Accumulated other comprehensive income	-296M YoY+41.8%	-508M YoY-40.7%	-361M YoY+15.5%	-428M YoY-10550.5%	4.09M YoY-73.4%
Total liabilities & equity	71.1B YoY+9.7%	64.9B YoY+15.3%	56.3B YoY+6.3%	52.9B YoY+5.6%	50.1B YoY+11.2%
	67.1M YoY+0.8%	66.6M YoY+8.6%	61.3M YoY+0.8%	60.8M YoY+3.2%	58.9M YoY+0.7%
	67.0M YoY+0.7%	66.5M YoY+8.6%	61.2M YoY+0.7%	60.8M YoY+6.6%	57.1M YoY+0.5%
	67.3M YoY+0.8%	66.7M YoY+8.5%	61.5M YoY+0.7%	61.0M YoY+6.6%	57.2M YoY+0.6%
Cash Flow	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
	910M YoY+26.2%	722M YoY-3.1%	744M YoY-45.9%	1.38B YoY+21.6%	1.13B YoY+318.1%
Depreciation & amortization	66.9M YoY+9.0%	61.4M YoY+7.9%	56.9M YoY+7.2%	53.1M YoY-1.7%	54.0M YoY+16.4%
Intangible amortization	21.4M YoY+76.9%	12.1M YoY+120.0%	5.50M YoY-10.1%	6.12M YoY-20.9%	7.73M YoY-29.8%
Share-based compensation	41.6M YoY+9.0%	38.1M YoY+13.8%	33.5M YoY+5.5%	31.7M YoY+96.3%	16.2M YoY+427.6%
Deferred income taxes	44.8M YoY+307.2%	11.0M YoY+155.9%	-19.7M YoY-189.3%	22.1M YoY+871.0%	-2.86M YoY+29.5%
	-6.17B YoY-3.7%	-5.95B YoY-83.7%	-3.24B YoY+7.2%	-3.49B YoY+41.1%	-5.93B YoY+17.5%
Capital expenditure	50.0M YoY-41.9%	86.0M YoY+85.4%	46.4M YoY-13.2%	53.4M YoY-6.4%	57.1M YoY-10.3%
Free cash flow	860M YoY+35.4%	636M YoY-8.9%	698M YoY-47.2%	1.32B YoY+23.1%	1.07B YoY+284.5%
Acquisitions	0.00 YoY+100.0%	-531M YoY-10422.7%	5.15M	0.00 YoY-100.0%	585M
Sales/maturities of investments	—	—	—	386M YoY-70.1%	1.29B YoY-20.0%
	5.27B YoY+0.1%	5.26B YoY+116.8%	2.43B YoY+10.5%	2.20B YoY-55.1%	4.89B YoY-36.8%
Long-term debt issued	0.00	0.00	0.00	0.00	0.00
Long-term debt repaid	0.00	0.00	0.00	0.00	0.00
Common stock issued	0.00	0.00	0.00 YoY-100.0%	286M	0.00
Common stock repurchased	0.00	0.00	0.00	0.00 YoY-100.0%	9.54M YoY-89.6%
Dividends paid	169M YoY+18.2%	143M YoY+14.0%	126M YoY+16.2%	108M YoY+9.7%	98.6M YoY+14.8%
Net change in cash	9.40M YoY-73.2%	35.1M YoY+152.0%	-67.5M YoY-184.6%	79.8M YoY-10.1%	88.7M YoY+146.5%
Interest paid	1.49B YoY-1.9%	1.52B YoY+47.9%	1.03B YoY+329.0%	239M YoY+52.5%	157M YoY-39.1%
Income taxes paid	222M YoY-12.0%	253M YoY+9.2%	232M YoY+50.9%	153M YoY-14.0%	179M YoY+69.6%
Valuation Ratios	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
Market cap	9.41B YoY+13.1%	8.32B YoY+46.5%	5.68B YoY+10.6%	5.14B YoY-1.2%	5.20B YoY+49.6%
P/E	11.4× YoY-4.6%	12.0× YoY+35.7%	8.8× YoY-20.4%	11.1× YoY-0.7%	11.2× YoY-6.0%
P/S	3.5× YoY+1.7%	3.4× YoY+34.6%	2.5× YoY-9.9%	2.8× YoY-7.9%	3.0× YoY+43.7%
P/B	1.3× YoY-1.2%	1.3× YoY+15.8%	1.1× YoY+2.3%	1.1× YoY-4.2%	1.2× YoY+36.8%
P/FCF	10.9× YoY-16.5%	13.1× YoY+77.7%	7.4× YoY+98.5%	3.7× YoY-23.3%	4.8×
	8.8% YoY+4.8%	8.4% YoY-26.3%	11.3% YoY+25.6%	9.0% YoY+0.7%	9.0% YoY+6.4%
	9.1% YoY+19.7%	7.6% YoY-43.7%	13.6% YoY-49.6%	26.9% YoY+30.4%	20.7%
	1.4% YoY-0.9%	1.4% YoY-16.3%	1.7% YoY+7.2%	1.6% YoY+17.9%	1.4% YoY-25.5%
Source filing	10-K	10-K	10-K	10-K	10-K

About this data

Source: WTFC's SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn't file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all WTFC filings on SEC EDGAR → Not investment advice.