Wintrust Financial Corporation

Wintrust Financial Corporation

WTFC
Wintrust Financial CorporationUS flagNASDAQ Global Select
150.10
USD
+3.02
- -
10.12BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
19.84
17.36
18.97
20.66
20.96
23.39
25.66
28.58
30.02
33.04
37.15
38.48
40.75
41.72
Basic EPS, GAAP
3.33
3.12
3.05
3.83
4.53
5.95
6.11
4.72
7.69
8.14
9.72
10.47
11.78
12.31
Free Cash Flow per Basic Share
6.45
3.62
-0.09
5.51
6.26
5.49
3.24
-10.12
18.84
22.32
11.41
9.98
12.86
25.03
Dividend per Share
0.36
0.54
0.62
0.77
0.74
0.91
1.15
1.49
1.73
1.83
2.06
2.25
2.53
2.6
Book Value per Share
18.69
18.28
20.42
22.84
25.04
29.61
34.43
37.18
43.98
49.15
55.71
62.24
68.83
71.42
Tangible Book Value per Share
35.67
32.65
33.55
38.27
42.64
44.76
50.55
52.53
59.7
62.64
70.44
78.72
88.76
90.45
Basic Weighted Avg Shares
39
47
48
50
55
56
57
58
57
59
61
64
67
67
Sales/Revenue/Turnover
768
807
908
1,039
1,147
1,317
1,459
1,644
1,711
1,956
2,272
2,451
2,726
2,796
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
26
38
41
53
63
68
88
96
102
82
85
100
119
119
Net Income, GAAP
137
151
157
207
258
343
356
293
466
510
623
695
824
862
Effective Tax Rate (%)
38.87
38.56
37.74
37.66
33.93
25.42
25.91
24.83
26.91
27.25
26.32
26.61
26.34
26.07
Profit Margin (%)
17.87
18.75
17.27
19.92
22.47
26.06
24.38
17.82
27.24
26.05
27.4
28.36
30.22
30.84
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
687
1,270
1,037
710
857
1,160
1,756
2,363
2,342
3,296
3,650
4,238
4,481
4,004
Total Equity
1,901
2,070
2,352
2,696
2,977
3,268
3,691
4,116
4,499
4,797
5,400
6,344
7,259
7,378
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
19.59
18.44
15.97
18.1
19.69
22.06
19.17
13.26
18.87
17.79
18.83
18.1
18.4
18.54

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
341
LT Borrowings
4,283
4,481
4,004
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
425
425
425
Shares Outstanding
67
67
67
Market Capitalization
8,844
9,353
9,312

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
9,036
9,686
10,630
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
341
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.97%
12.08%
14.41%
Free Cash Flow
-699.13%
-56.43%
35.38%
Net Income, GAAP
19.65%
24.15%
18.53%
Sales/Revenue/Turnover
11.68%
10.73%
11.23%
Total Cash Common Dividend
21.87%
15.78%
16.01%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
605
592
616
639
2,451
2025
643
671
698
714
2,726
2026
713
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.93
2.35
2.51
2.68
10.47
2025
2.73
2.82
3.03
3.21
11.78
2026
3.26
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.56
0.57
0.57
0.56
2.25
2025
0.6
0.6
0.7
0.62
2.53
2026
0.67
- -
- -
- -
- -

Company Description

APIChat
CEO
Timothy S. Crane
Full Time Employees
5,903
Sector
Financial Services
Industry
Banks - Regional
Address
9700 West Higgins Road Rosemont IL United States of America 60018
IPO Date
Apr 16, 1998
Business
Wintrust Financial Corporation (Nasdaq: WTFC) operates as a financial holding company engaged in community banking and commercial banking services; wealth management solutions; commercial and life insurance premium financing; and mortgage origination. The company provides community-oriented personal and business banking products including deposit accounts, loans, mortgages, treasury management services, online banking, foreign exchange, wire transfers, and specialized lending such as equipment financing and lines of credit through its network of over 175 community bank locations. Its wealth management divisions, comprising Wintrust Investments, Wintrust Private Trust Company, Great Lakes Advisors, and Chicago Deferred Exchange Company, deliver brokerage, insurance, investment management, fixed income strategies, trust and estate services, and portfolio management to individuals, business owners, and institutions. Wintrust conducts operations primarily in the greater Chicagoland area, northwest Indiana, southern Wisconsin, and Florida, with additional international services supporting business growth. Founded in 1991 and headquartered in Rosemont, Illinois, the company recently sold its Retirement Benefits Advisors division to OneDigital Investment Advisors in early 2025 while maintaining a referral partnership; acquired Macatawa Bank Corp. in Michigan for approximately $510 million to $512 million during 2024-2025; completed the acquisition of mortgage banking assets from Professional Mortgage Partners; and announced the redemption of its Series D and Series E preferred stocks on July 15, 2025, funded by a recent offering.

Company News

APIChat
  • Wintrust (WTFC) Moves to Buy: Rationale Behind the Upgrade

  • Wintrust Financial Corporation (WTFC) Q1 2026 Earnings Call Transcript

  • Wintrust (WTFC) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

  • Wintrust Financial (WTFC) Q1 Earnings and Revenues Beat Estimates

  • Wintrust Financial Corporation Reports Record Quarterly Net Income

  • Wintrust Financial Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call

  • Wintrust Financial Corporation Announces Cash Dividends

  • Seeking Clues to Wintrust (WTFC) Q1 Earnings? A Peek Into Wall Street Projections for Key Metrics

  • Wintrust Financial Corporation Announces Retirement of Board Members H. Patrick Hackett Jr. and William J.

  • Allspring Global Investments Holdings LLC Has $27.18 Million Position in Wintrust Financial Corporation $WTFC

  • Wintrust Financial: Premium Franchise, But Macro Concerns Keep Upside Capped

  • Wintrust (WTFC) Upgraded to Buy: Here's Why

  • Wintrust Financial Corporation (NASDAQ:WTFC) Receives Consensus Rating of “Moderate Buy” from Brokerages

  • Wintrust Financial Corporation Announces First Quarter 2026 Earnings Release Schedule

  • Wintrust Financial Can Keep Moving Higher

  • Wintrust Financial Corporation (WTFC) Presents at RBC Capital Markets Global Financial Institutions Conference 2026 Transcript

  • Intech Investment Management LLC Makes New $909,000 Investment in Wintrust Financial Corporation $WTFC

  • Wintrust Financial Corporation (WTFC) Presents at 47th Annual Raymond James Institutional Investor Conference Transcript

  • Wintrust Financial Corporation to Present at RBC Capital Markets Global Financial Institutions Conference on March 10, 2026

  • Wintrust Financial Corporation to Present at Raymond James 47th Annual Institutional Investors Conference