WTFC
$145.02+1.02%
as of close, Oct 2, 2026
☾ AH $145.02 +1.02%
Wintrust Financial CorporationStock · FinanceNasdaq Composite 0.02%Russell 1000 0.02%US Stock Market 0.01%Russell 3000 0.01%
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.
As-reported fiscal years.
| Line item | Trend | 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+11.2% | 2.45B+7.9% | 2.27B+16.1% | 1.96B+14.3% | 1.71B+4.1% | ||
| Lease income | 62.3M+6.1% | 58.7M+10.2% | 53.3M-4.0% | 55.5M+3.4% | 53.7M+12.8% | |
| Noninterest income | 502M+2.8% | 488M+12.5% | 434M-5.8% | 461M-21.3% | 586M-3.0% | |
| Amortization of intangibles | 21.4M+76.9% | 12.1M+120.0% | 5.50M-10.1% | 6.12M-20.9% | 7.73M-29.8% | |
| Noninterest expense | 1.51B+7.8% | 1.40B+6.9% | 1.31B+11.5% | 1.18B+3.9% | 1.13B+8.9% | |
| Provision for credit losses | 95.6M-5.4% | 101M-11.7% | 114M+45.6% | 78.6M+232.6% | -59.3M-127.7% | |
| Interest expense | 1.50B-0.7% | 1.52B+43.6% | 1.06B+318.6% | 252M+67.5% | 151M-40.5% | |
| Interest & investment income | 3.73B+7.2% | 3.48B+20.2% | 2.89B+65.6% | 1.75B+37.0% | 1.28B-1.4% | |
| Net interest income | 2.22B+13.3% | 1.96B+6.8% | 1.84B+22.9% | 1.50B+32.9% | 1.12B+8.2% | |
| Gain (loss) on equity securities | 7.91M+708.1% | -1.30M-213.2% | 1.15M+113.2% | -8.71M-3243.7% | 277K-38.0% | |
| Pre-tax income | 1.12B+18.1% | 947M+12.1% | 845M+20.6% | 701M+9.8% | 638M+63.6% | |
| Income tax | 295M+16.9% | 252M+13.3% | 222M+16.5% | 191M+11.2% | 172M+77.3% | |
| 824M+18.5% | 695M+11.6% | 623M+22.2% | 510M+9.3% | 466M+59.1% | ||
| Preferred dividends | — | 28.0M+0.0% | 28.0M+0.0% | 28.0M+0.0% | 28.0M+30.8% | |
| Net income to common | 774M+16.1% | 667M+12.2% | 595M+23.4% | 482M+9.9% | 438M+61.3% | |
| $11.40+10.6% | $10.31+7.6% | $9.58+19.5% | $8.02+5.8% | $7.58+62.0% | ||
| EPS (basic) | $11.57+10.5% | $10.47+7.7% | $9.72+19.4% | $8.14+5.9% | $7.69+62.9% | |
| Weighted-avg shares (basic) | 66.9M+5.0% | 63.7M+4.1% | 61.1M+3.3% | 59.2M+3.9% | 57.0M-0.9% | |
| Weighted-avg shares (diluted) | 67.9M+4.9% | 64.7M+4.2% | 62.1M+3.3% | 60.1M+4.0% | 57.8M-0.4% | |
| Dividends per share | $2.00+11.1% | $1.80+12.5% | $1.60+17.6% | $1.36+9.7% | $1.24+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+2.1% | 459M+8.3% | 423M-13.7% | 491M+19.4% | 411M+27.5% | |
| 71.1B+9.7% | 64.9B+15.3% | 56.3B+6.3% | 52.9B+5.6% | 50.1B+11.2% | ||
| Property, plant & equipment | 782M+0.3% | 779M+4.0% | 749M-2.1% | 765M-0.2% | 766M-0.3% | |
| Goodwill | 798M+0.1% | 797M+21.4% | 657M+0.5% | 654M-0.2% | 655M+1.5% | |
| Intangible assets | 98.0M-19.5% | 122M+431.7% | 22.9M+3.2% | 22.2M-21.6% | 28.3M-21.5% | |
| Short-term & current debt | — | 0.00-100.0% | 13.4M-23.7% | 17.6M+91.5% | 9.20M-19.1% | |
| 63.9B+9.1% | 58.5B+15.1% | 50.9B+5.6% | 48.2B+5.5% | 45.6B+11.4% | ||
| Long-term debt | 0.00-100.0% | 143M-16.7% | 171M-14.3% | 200M+148.7% | 80.3M-21.0% | |
| Operating lease liability (total) | 143M-7.1% | 154M-7.6% | 166M-0.2% | 167M-6.3% | 178M | |
| Finance lease liability (total) | 143M-7.1% | 154M-7.6% | 166M-0.2% | 167M-6.3% | 178M | |
| 7.26B+14.4% | 6.34B+17.5% | 5.40B+12.6% | 4.80B+6.6% | 4.50B+9.3% | ||
| Common stock | 67.1M+0.8% | 66.6M+8.6% | 61.3M+0.8% | 60.8M+3.2% | 58.9M+0.7% | |
| Additional paid-in capital | 2.53B+2.1% | 2.48B+27.7% | 1.94B+2.2% | 1.90B+12.9% | 1.69B+2.2% | |
| Retained earnings | 4.54B+16.4% | 3.90B+16.5% | 3.35B+17.4% | 2.85B+16.4% | 2.45B+17.7% | |
| Treasury stock | 9.16M+48.8% | 6.15M+177.5% | 2.22M+629.3% | 304K-99.7% | 110M+9.5% | |
| Accumulated other comprehensive income | -296M+41.8% | -508M-40.7% | -361M+15.5% | -428M-10550.5% | 4.09M-73.4% | |
| Total liabilities & equity | 71.1B+9.7% | 64.9B+15.3% | 56.3B+6.3% | 52.9B+5.6% | 50.1B+11.2% | |
| Common shares issued | 67.1M+0.8% | 66.6M+8.6% | 61.3M+0.8% | 60.8M+3.2% | 58.9M+0.7% | |
| Common shares outstanding | 67.0M+0.7% | 66.5M+8.6% | 61.2M+0.7% | 60.8M+6.6% | 57.1M+0.5% | |
| Shares outstanding (cover) | 67.3M+0.8% | 66.7M+8.5% | 61.5M+0.7% | 61.0M+6.6% | 57.2M+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+26.2% | 722M-3.1% | 744M-45.9% | 1.38B+21.6% | 1.13B+318.1% | ||
| Depreciation & amortization | 66.9M+9.0% | 61.4M+7.9% | 56.9M+7.2% | 53.1M-1.7% | 54.0M+16.4% | |
| Intangible amortization | 21.4M+76.9% | 12.1M+120.0% | 5.50M-10.1% | 6.12M-20.9% | 7.73M-29.8% | |
| Share-based compensation | 41.6M+9.0% | 38.1M+13.8% | 33.5M+5.5% | 31.7M+96.3% | 16.2M+427.6% | |
| Deferred income taxes | 44.8M+307.2% | 11.0M+155.9% | -19.7M-189.3% | 22.1M+871.0% | -2.86M+29.5% | |
| -6.17B-3.7% | -5.95B-83.7% | -3.24B+7.2% | -3.49B+41.1% | -5.93B+17.5% | ||
| Capital expenditure | 50.0M-41.9% | 86.0M+85.4% | 46.4M-13.2% | 53.4M-6.4% | 57.1M-10.3% | |
| Free cash flow | 860M+35.4% | 636M-8.9% | 698M-47.2% | 1.32B+23.1% | 1.07B+284.5% | |
| Acquisitions | 0.00+100.0% | -531M-10422.7% | 5.15M | 0.00-100.0% | 585M | |
| Sales/maturities of investments | — | — | — | 386M-70.1% | 1.29B-20.0% | |
| 5.27B+0.1% | 5.26B+116.8% | 2.43B+10.5% | 2.20B-55.1% | 4.89B-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 | 0.00-100.0% | 286M | 0.00 | |
| Common stock repurchased | 0.00 | 0.00 | 0.00 | 0.00-100.0% | 9.54M-89.6% | |
| Dividends paid | 169M+18.2% | 143M+14.0% | 126M+16.2% | 108M+9.7% | 98.6M+14.8% | |
| Net change in cash | 9.40M-73.2% | 35.1M+152.0% | -67.5M-184.6% | 79.8M-10.1% | 88.7M+146.5% | |
| Interest paid | 1.49B-1.9% | 1.52B+47.9% | 1.03B+329.0% | 239M+52.5% | 157M-39.1% | |
| Income taxes paid | 222M-12.0% | 253M+9.2% | 232M+50.9% | 153M-14.0% | 179M+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+13.1% | 8.32B+46.5% | 5.68B+10.6% | 5.14B-1.2% | 5.20B+49.6% | |
| P/E | 11.4×-4.6% | 12.0×+35.7% | 8.8×-20.4% | 11.1×-0.7% | 11.2×-6.0% | |
| P/S | 3.5×+1.7% | 3.4×+34.6% | 2.5×-9.9% | 2.8×-7.9% | 3.0×+43.7% | |
| P/B | 1.3×-1.2% | 1.3×+15.8% | 1.1×+2.3% | 1.1×-4.2% | 1.2×+36.8% | |
| P/FCF | 10.9×-16.5% | 13.1×+77.7% | 7.4×+98.5% | 3.7×-23.3% | 4.8× | |
| Earnings yield | 8.8%+4.8% | 8.4%-26.3% | 11.3%+25.6% | 9.0%+0.7% | 9.0%+6.4% | |
| FCF yield | 9.1%+19.7% | 7.6%-43.7% | 13.6%-49.6% | 26.9%+30.4% | 20.7% | |
| Dividend yield | 1.4%-0.9% | 1.4%-16.3% | 1.7%+7.2% | 1.6%+17.9% | 1.4%-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.