Wintrust Financial Corporation

Wintrust Financial Corporation

WTFCP
Wintrust Financial CorporationUS flagNASDAQ Global Select
25.00
USD
- -
- -
1.65BMarket Cap
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
TTM
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
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Sales/Revenue/Turnover
734
768
807
908
1,039
1,147
1,317
1,459
1,644
1,711
1,956
2,272
2,451
2,568
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
25
26
38
41
53
63
68
88
96
102
82
85
100
115
Net Income, GAAP
111
137
151
157
207
258
343
356
293
466
510
623
695
740
Effective Tax Rate (%)
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
Profit Margin (%)
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
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
717
687
1,270
1,037
710
857
1,160
1,756
2,363
2,342
3,296
3,650
4,238
4,329
Total Equity
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
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
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

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
- -
- -
- -
- -
- -

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
May 11, 2020
Business
Wintrust Financial Corporation Wintrust Financial Corporation (Nasdaq: WTFC), a financial holding company headquartered in Rosemont, Illinois, and founded in 1991, operates community-oriented personal and commercial banking services; specialty finance including premium financing for property, casualty, and life insurance premiums, accounts receivable financing, value-added outsourced administrative services, and equipment leasing; and wealth management encompassing investment management, financial planning, trust services, and separately managed accounts through Wintrust Investments, LLC (member FINRA/SIPC). The company conducts its operations across three primary segments—community banking, specialty finance, and wealth management—serving individuals, small- to mid-sized businesses, local governmental units, and institutional clients primarily in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and west Michigan. Its banking network includes over 200 locations following recent expansions, with residential lending provided through Wintrust Mortgage, a division of Barrington Bank & Trust Company, N.A. (NMLS #449042), alongside treasury management, digital banking, and customized business solutions such as C&I lending. In August 2024, Wintrust Financial Corporation completed its all-stock acquisition of Macatawa Bank Corporation for approximately $510.3 million, or $14.85 per share, integrating Macatawa Bank's 26 full-service branches and $2.7 billion in assets located in Kent, Ottawa, and northern Allegan counties, Michigan, thereby expanding its footprint into West Michigan and elevating total assets to about $62 billion. This transaction, the largest U.S. bank deal announced in 2024, aligns with Wintrust's community banking philosophy and enhances product offerings for customers through combined synergies in services and technology. In May 2025, the company executed a strategic refinancing initiative to optimize capital management, while Q3 2025 earnings reflected record net income of $216.3 million, driven by 11% year-to-date loan growth to $52 billion, deposit increases, and strong performance in premium finance and leasing segments. Ongoing organic growth initiatives include commercial banking expansions in markets like Denver, Colorado, with new hires and office relocations to support C&I and middle-market lending.