WTFC

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Wintrust Financial Corp.

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Key Metrics

Previous Close: $153.41
52-Week Range: $119.61 – $167.22
Market Cap: $10.29B
P/E (TTM): 12.25
EPS (TTM): 12.46
Dividend Yield: 1.43%

Advanced Metrics

Price/Book: 1.45
PEG Ratio: 1.17
Return on Equity: 12.21%
Return on Assets: 1.25%
Gross Margin: 0.00%
Operating Margin: 46.09%
Profit Margin: 32.64%
Current Ratio: —
Debt/Equity: —
Total Debt: $4.51B
Free Cash Flow: —
Revenue Growth: 10.20%
Earnings Growth: 18.70%
Enterprise Value: $10.99B

WTFC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.96B	$2.27B	$2.45B	$2.73B
Selling, General & Admin	$784.16M	$849.82M	$919.88M	$981.52M
Pretax Income	$700.55M	$845.08M	$947.09M	$1.12B
Income Tax	$190.87M	$222.46M	$252.04M	$294.56M
Net Income	$509.68M	$622.63M	$695.04M	$823.84M
Diluted EPS	8.02	9.58	10.31	11.40
Diluted Shares	60.09M	62.09M	64.70M	67.89M

WTFC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$2.48B	$2.51B	$4.86B	$3.65B
Receivables	$938.10M	$701.31M	$18.10M	$835.27M
Total Assets	$52.95B	$56.26B	$64.88B	$71.14B
Long-Term Debt	$3.30B	$3.65B	$4.24B	$4.48B
Total Debt	$3.59B	$3.65B	$4.24B	$4.48B
Total Liabilities	$48.15B	$50.86B	$58.54B	$63.88B
Retained Earnings	$2.85B	$3.35B	$3.90B	$4.54B
Shareholders' Equity	$4.80B	$5.40B	$6.34B	$7.26B
Net Debt	$1.11B	$1.14B	—	$833.05M

WTFC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$1.38B	$744.38M	$721.56M	$910.35M
Capital Expenditure	-$53.45M	-$46.41M	-$86.03M	-$49.95M
Free Cash Flow	$1.32B	$697.97M	$635.52M	$860.40M
Depreciation & Amortisation	$82.07M	$84.76M	$100.08M	$118.78M
Stock-Based Compensation	$31.75M	$33.49M	$38.11M	$41.55M
Investing Cash Flow	-$3.49B	-$3.24B	-$5.95B	-$6.17B
Financing Cash Flow	$2.20B	$2.43B	$5.26B	$5.27B
Dividends Paid	-$108.21M	-$125.69M	-$143.28M	-$169.42M
Share Repurchases	-$304.00K	-$1.91M	-$3.94M	-$415.50M
Net Change in Cash	$79.76M	-$67.50M	$35.07M	$9.40M

WTFC Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$670.78M	$697.84M	$714.33M	$713.17M	—
Selling, General & Admin	$249.27M	$250.11M	$247.41M	$252.66M	—
Pretax Income	$267.09M	$296.04M	$302.22M	$300.94M	—
Income Tax	$71.56M	$79.79M	$79.20M	$73.55M	—
Net Income	$195.53M	$216.25M	$223.02M	$227.39M	—
Diluted EPS	2.78	2.78	3.15	3.22	3.30
Diluted Shares	67.82M	67.98M	68.11M	68.10M	68.29M

WTFC Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$4.85B	$5.27B	$3.99B	$3.65B	$3.60B
Receivables	$463.02M	$240.04M	$978.21M	$835.27M	$0.00
Total Assets	$65.87B	$68.98B	$69.63B	$71.14B	$72.16B
Long-Term Debt	$4.23B	$4.33B	$4.28B	$4.48B	$4.00B
Total Debt	$4.23B	$4.33B	$4.28B	$4.48B	$4.34B
Total Liabilities	$59.27B	$61.76B	$62.58B	$63.88B	$64.78B
Retained Earnings	$4.05B	$4.20B	$4.36B	$4.54B	$4.72B
Shareholders' Equity	$6.60B	$7.23B	$7.05B	$7.26B	$7.38B
Net Debt	—	—	$294.88M	$833.05M	$748.92M

WTFC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$119.75M	$329.16M	$209.78M	$251.66M	$927.18M
Capital Expenditure	—	—	-$17.21M	-$23.03M	-$13.21M
Free Cash Flow	$119.75M	$319.45M	$192.57M	$228.63M	$913.97M
Depreciation & Amortisation	$29.49M	$30.86M	$28.55M	$29.87M	$29.93M
Stock-Based Compensation	$10.41M	$10.16M	$10.07M	$10.90M	$11.32M
Investing Cash Flow	-$973.37M	-$2.95B	-$739.96M	-$1.51B	-$1.87B
Financing Cash Flow	$1.01B	$2.70B	$400.08M	$1.16B	$1.02B
Dividends Paid	-$40.35M	-$40.46M	-$46.76M	-$41.85M	-$45.37M
Share Repurchases	-$3.00M	$0.00	-$412.49M	-$6.00K	-$4.81M
Net Change in Cash	$157.74M	$79.28M	-$130.09M	-$97.53M	$75.78M

Market Snapshot

About

Wintrust Financial Corp. is a financial holding company operating community banks in the Chicago metropolitan area and southern Wisconsin. The company provides commercial banking, wealth management, and mortgage services through its network of locally branded banks.