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Wintrust Financial Corporation

Wintrust Financial Corporation

WTFCM
Wintrust Financial CorporationUS flagNASDAQ Global Select
25.00
USD
+0.01
- -
3.54BMarket Cap
Wintrust Financial Corporation
WTFCM
(NASDAQ Global Select)

Recent

price

25.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
TTM
FRC
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
470
560
609
734
768
807
908
1,039
1,147
1,317
1,459
1,644
1,711
1,956
2,272
2,451
2,568
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
21
18
19
25
26
38
41
53
63
68
88
96
102
82
85
100
115
Depreciation Expense
73
63
78
111
137
151
157
207
258
343
356
293
466
510
623
695
740
Net Income, GAAP
37.82
37.18
39.41
38.27
38.87
38.56
37.74
37.66
33.93
25.42
25.91
24.83
26.91
27.25
26.32
26.61
26.44
Effective Tax Rate (%)
15.53
11.31
12.73
15.15
17.87
18.75
17.27
19.92
22.47
26.06
24.38
17.82
27.24
26.05
27.4
28.36
28.81
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
989
1,585
1,856
717
687
1,270
1,037
710
857
1,160
1,756
2,363
2,342
3,296
3,650
4,238
4,329
LT Debt
1,139
1,437
1,544
1,805
1,901
2,070
2,352
2,696
2,977
3,268
3,691
4,116
4,499
4,797
5,400
6,344
7,226
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
14.49
7.88
15.92
18.78
19.59
18.44
15.97
18.1
19.69
22.06
19.17
13.26
18.87
17.79
18.83
18.1
17.92
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
4,238
4,233
4,329
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
412
412
838
Shares Outstanding
66
67
67
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,763
8,836
9,924
Accounts Receivable, Net
18
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
39
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.89%
11.5%
17.5%
Free Cash Flow
-712.93%
-146.79%
-8.95%
Net Income, GAAP
18.15%
16.92%
11.63%
Sales/Revenue/Turnover
11.8%
11.02%
7.87%
Total Cash Common Dividend
20.49%
15.25%
18%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
566
561
575
571
2,272
2024
605
592
616
639
2,451
2025
643
671
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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Business
Wintrust Financial Corporation functions as a financial holding enterprise, delivering a diverse range of banking and financial solutions across three main operational areas: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment provides a wide array of services including various deposit accounts, residential mortgages, consumer and real estate loans, and treasury management solutions. This segment serves individuals, small to mid-sized businesses, local government entities, and community associations. Offerings also extend to asset-based lending for middle-market companies, loans for restaurant franchisees, direct leasing, and Small Business Administration (SBA) loans. Wintrust differentiates itself by combining comprehensive financial resources with a strong community focus through its network of local banks, fostering personalized service and relationships. The Specialty Finance segment focuses on commercial and life insurance premium financing for both businesses and individuals. It also delivers accounts receivable financing, along with value-added and outsourced administrative services such, as payroll processing and cash management for the temporary staffing industry. This includes equipment financing through various loan and lease products. The Wealth Management segment offers comprehensive services including trust and investment management, asset management, tax-deferred exchange facilitation, securities brokerage, and retirement plan administration. Headquartered in Rosemont, Illinois, Wintrust Financial Corporation was established in 1991. The company operates through more than 175 community bank locations and numerous ATMs across the greater Chicago metropolitan area, southern Wisconsin, northwest Indiana, and southwest Florida. Wintrust aims to offer sophisticated resources typically found at larger institutions while maintaining a localized community banking experience. The company has demonstrated consistent financial performance, reporting record net income in recent quarters driven by solid loan and deposit growth.